23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I opened a dispute on XX/XX/year>, with this bank on for a charge made on XXXX XXXX, for the amount of {$1000.00} for XXXX XXXX XXXX which was for an entered agreement for a funded investment account. Upon making payment to this scam company and reaching out to verify the status of my investment account, my messages were left unanswered. I accessed the account myself and funded it on my own, since it was supposed to be of my property. Once I reached out to Chase and opened the dispute, this so called merchant reached out to me, trying to trick me saying they had funded the account. Once I mentioned I had evidence that I funded the account, they threatened that they had a copy of my ID and personal information and that they would be visiting me because of what I reported. And explicitly said the funded account and profits made ( by me ) were his. He then proceeded to change the log in credentials, which I now dont have a way to recover the access. After some investigation of my own, I researched on this merchant and became aware I have not been the only victim and this individual has been able to get away with this practice due to tactics of disabling comments sections on his social media to avoid people reporting this criminal practice. On XX/XX/year>, I receive an email from stating that the dispute was not in my favor and the credit of {$1000.00} that had been applied on my account was reversed. To make matters worse along with the supporting documentation they included indicating this was the reason why it was decided the dispute was in the merchants favor, none of the documentation belonged to me. The signed agreement was in someone elses name, the Drivers license included which contains PII did not even come close to my name or address. This is a clear indication this case was brushed off and was automatically determined to be in merchants favor without proper and reasonable investigation. At all costs avoiding having to resolve this in a sensitive manner as it should have. If I mistakenly received someone else 's personal information, this makes me concerned on how my data is being managed without a guarantee it is not being exposed. Someone needs to take accountability for this deceptive practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave XXXX written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 :
Product: Credit reporting or other personal consumer reports

I believe thats these companies are stealing my personal information and running my credit abusing my credit report by allowed others to lets random peoples to using others peoples information thats dont belong to them I am affected by this disaster I ask u to removed and disputed all this negative things off my report immediately theses inquiries and accounts they are not mines I have not give none of these accounts ppls my information they have no live camera videos of me or documents signed by me in the build so yes my information have been stolen I ask for you wipe these things off my report XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

To whom it May Concern, Ive had the opportunity to view my credit Report and there are Multiple Inquiries that I Dont Recall I havent Signed any Documents requesting these inquiries.I would like an Investigation into the following inquiries as listedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.Please provide Signed Documents .
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions This company is reporting inaccurate information. This account is not mine.
Product: Vehicle loan or lease

This is a written notice to ceo XXXX XXXX, cfo XXXX XXXX XXXX, dba Drivetime that I am invoking my right to rescission 15 usc 1635. I rescind all signatures, endorsements, and consents there of. I was not disclosed certain information about the finance charge which is fraud. I demand my information be deleted, all payments, and money be returned. I also demand the cancelation of this contract and obligations set off for these goods and my title be mailed to the address of XXXX XXXX in good faith.
Product: Debt collection

the company name XXXX XXXX XXXX calling themselves the debt collector for my XXXX accounts calls me 3 times a day in my cell number, my girlfriends number and my work place number. I requested them not to call as i am having financial hardship and national debt relief is working on my behalf to help me debt free. but the person named XXXX won't listen. I told him i can not pay {$8700.00} and something they are asking all at once. he is just forcing me that its a one time deal and you dont get to pay this again. i told him the calls are disturbing me, its harassing me and making me depressed but he wont listen. the company and person named sudhirs calls me 3 times a day in 3 phone numbers which is 9 times everyday for straight 7 days. I would like to request them to stop harassment as i am already facing hardship and can barely manage to pay monthly to my debt relief program i am enrolled in. If the harassment wont stop, i will like to file a lawsuit against the company for XXXX, XXXX  and threat.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60-90 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Checking or savings account

Someone claiming to be from REGIONS BANK text me saying there was a fraud against my account and asked if I had spent {$63.00} at XXXX I text no it wasnt shortly afterwards they called me and I spoke with a man for over an hour and a half trying to get this fixed he claimed he was from REGIONS. He asked me all sorts of questions. He wanted my regions online banking pass word and me assuming it was REGIONS I gave it to him. He also asked for my husbands Social Security number, and my husband gave it to him and told me on several occasions to push. Yes on these amounts that did not look correct to me he said it would correct my account and my account would not be accessible for XXXX hours after we hung up for some reason that did not sit well with me and I checked it the next morning this all happened XXXX XX/XX/23 next morningXXXX I checked my bank account and there was {$220.00} and there was {$4400.00} taking out of my savings account plus another {$4000.00} out of my savings account we went to the bank as soon as they open at XXXX oclock. I had the lady to change our password, give us new debit cards and I have checked our checking account for the last XXXX weeks to make sure that nothing else has been taking out. We filed a Fraud alert against our account on all three of these went to the sheriffs department and made a claim still have not heard from the sheriffs department. We went to the Social Security office and put a block on my husbands Social Security number, so they dont try to take his Social Security check, the bank has informed us that they are not going to pay us back which I think is a XXXX XXXX XXXXXXXX because it was not our fault. I thought we were talking with REGIONS I have sent them a letter with all the information that I have this person took the money from XXXX Missouri, the phone number that they text and called from is XXXX. I also told REGIONS if they did not satisfy me in a timely manner that I would have to get an attorney because I dont work for a living to pay XXXX to rip me off. Is there anyway you can help me with our situation? Thank you. XXXX and XXXX XXXX my number is XXXX
Product: Credit reporting or other personal consumer reports

The data provided in this document does not pertain to me.
Product: Money transfer, virtual currency, or money service

Cashapp has lied about having staff to help when calling XXXX number however they were fake employees. Could have taken my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item are being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATED all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please update this account : XXXX XXXX XXXX XXXX Open Date XX/XX/ Balance : {$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to remove an unauthorized account from my consumer report. They refuse to follow the fair credit reporting act. My rights are continually violated. Pursuant to 15 usc 1681i, they have not conducted a proper investigation. Instead, they allow the fraudulent creditor to make the decision of whether they want to delete the fraudulent account or keep reporting. 15 usc 1681i states that the credit reporting agency is required to conduct an investigation with consideration to the information I provide, and make an impartial decision. Equifax is not acting fairly towards me nor are they protecting my privacy.

Equifax is reporting two different credit scores as on XX/XX/2022. They are reporting a XXXX as well as a XXXX. This is a violation of the Fair Credit Reporting Act. Equifax recently lost a lawsuit for this same practice and continue to violate consumers with this illegal practice. Equifax is also allowing an unauthorized creditor to report two accounts with the same information, on to my credit report. This is another violation against my consumer rights. Equifax obtained no permissible purpose for these unauthorized accounts, and are allowing companies to pay them and cause harm to me and with no regards for my life or future.
Product: Credit reporting or other personal consumer reports

I am writing to address a serious issue regarding my credit report. Despite my recent requests to remove fraudulent accounts and inquiries, as referenced in reports XXXX, XXXX, and XXXX, new fraudulent entries continue to appear. This ongoing problem is extremely concerning and requires immediate resolution. New Fraudulent Inquiries : 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 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XXXX XXXX, XXXX Please take immediate action to remove these fraudulent inquiries from my credit report. Additional Fraudulent Account : XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX. This account does not belong to me. Kindly review and remove it from my records. Your prompt assistance in addressing this matter is greatly appreciated. Please confirm once these fraudulent entries have been removed and provide any necessary documentation or updates regarding this request. Thank you for your attention to this urgent issue. I have attached my FTC report, ID, and proof of address.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : Be advised this is not a refusal to pay, but notice that your claim is disputed, and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you XXXX XXXX XXXX. NOT who you have been paid by a third party. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. ex I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you ( XXXX XXXX XXXX ). Please validate that this debt belongs to me and please also show me the original contract. 
At this time, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, TransUnion ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious trouble with the FTC and other state or federal agencies
Product: Credit card

I think the decision by Synchrony Bank to lower my credit limit for no apparent reason was inappropriate. I have several credit cards with them and consistently made at least my minimum payments. I have been in good standing with them, as far as I am aware. It seems like the bank is acting irrationally, and I want to find out why they are treating me this way. Does this happen often? What recourse do consumers have to fight back against arbitrary credit reductions?
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights as a consumer are being violated with this inaccurate information. I have the right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance! The one thing I won't tolerate is negative information. It doesnt matter if it's certified or not, what matters to me are the facts and truths of anything that may be going on with your company and the data you have concerning my credit profile.The credit report I received is not accurate which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards.Here 's my challenge for you : Make a document that shows all of the evidence for each claim and send it to me. It should be verified, complete and true! The 2020 XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. I'm unsure if the reporting process was done correctly or whether it's in proper format, so we can't say that your claims are accurate either way. The following claims are controversial and have not been independently verified as true.Please remove any false accounts from my credit report. I am requesting that you take care of this as soon as possible so it does not affect me financially in the future. My credit report is my life. I want only factually accurate, verified and compliant data documented on it!
Product: Debt collection

This debt should have been deleted from my credit years ago and once I tried to get verification that I owed them they couldn't show proof. 

Citi Financial Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with an account and inquires I did not authorize, please delete
Product: Checking or savings account

They claim my account was involved with illegal XXXX however my account shows no transactions of the sort. This is my account linked to XXXX email address and phone number XXXX. I have had other cash app account two which were I was locked out of because someone change the number and passwords and I never followed through however this account is the one I used
Product: Credit reporting or other personal consumer reports

I checked my credit report and saw that there were unauthorized inquiries on my credit report and I do not have any idea why it's there. I didn't wan na believe it at first so I tried refreshing the page but I was disappointed because it did not get removed so please thoroughly check the documents I've sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law.

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. Validate/inaccurate reported late payments. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. Validate/inaccurate reported late payments. 
XXXX Account XXXX : XXXX Validate this inaccurate report 3. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. Validate/inaccurate reported late payments. 
XXXX XXXX XXXX, XXXX. 
Account XXXX : XXXX Validate this inaccurate report. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Product: Debt collection

XXXX XXXX XXXX and XXXX, XXXX XXXX XXXX are both trying to collect the same dollar amount from an old debt that has already reached its statute of limitations. So not only is the debt past the timeframe but two companies are reporting the same debt as if its two different debts.