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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$16000.00}, {$9300.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Product: Checking or savings account

XX/XX/XXXX my Citibank checking account was closed without warning. They are not giving me any access to my remaining funds that were available in the account prior to it being closed. Ive reached out every day since and they are not giving me access to my funds. They are abusing their power, refusing to problem solve and failing to take action.
Product: Credit reporting or other personal consumer reports

Please note that my information was used without my consent. 

An account under collection is reported as : XXXX XXXX Also inquiries which I did not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Chase has not followed the laws in investigating this. I reported in XXXX of XXXX have not received any documentation in writing as of XX/XX/XXXX. I was provided no documentation of their findings, nothing was done in the required law time frame, they reported to the credit agency late fees during investigation, the interest rates they put back on my card are incorrect and these are just the laws I know of. In XXXX of XXXX, I received several fraud alert texts from my credit card company. I reached out to Chase Credit card and start the disputes. I asked since it was so much and for multiple months did I need to file a police report or what else should I do. I was told by Chase " rest assure Chase will remove these charges. '' In XXXX of XXXX, all the fraudulent charges that were in person were put back on my card by Chase, stating I am responsible due to the chip being used. Basically, Chase picks and chooses what is fraud. The card was lost/stolen so of course the chip would be used, and the information they received stating chip is used could EMV cloning, shimmer or EMV bypass cloning. Mind you my other credit card company had no problem reversing these charges for the same stores.
Product: Mortgage

I have been working with Loan Care loan servicing regarding my past due and default payments because of XXXX. They referred me to Texas assistance program for help which I did and qualified for assistance .Loan Care gave THAF . The AMOUNT of funds needed to bring me out of default, and also secured my following three payments for XXXX XXXX and XX/XX/2023. My first payment was to begin again on XX/XX/2023. I just received a default letter from Loan Care stating that they had not received payments For XXXX and XXXX I have called them so many times and had Conversations regarding this very issue. I was assured that THAF was making the XXXX XXXX and XXXX payments. I called THAF and they told me TODAY that the outstanding XXXX and XXXX payments are sitting in an a approval pause portal AT LOANCARE!!!!! Loan Care has not confirmed the payment amount sitting in their own portal of communication.!!!! I am furious, and want to file a formal complaint and lawsuit for their negligence!!! I told them today to check their portal and approve the payments that are literally pending for them!! this process has cost me so much mentally and emotionally and financially I would like to sue them for harassment and negligence AND also this very day I got a certified letter in the mail that I was in default and asking to call to schedule some kind of person to come out and do INSPECTIONS & estimates on my property??? IN CASE of default????? XXXX!!!!! I will sue them and be on the news about this if that happens GUARANTEED.!! I want my loan servicer removed. I do not want to do business with Loan Care anymore. I have absolutely no trust in how they do business and I demand to be transferred to another loan servicing entity for the remainder of this FHA loan. 
thank you XXXX XXXX XXXX.
Product: Vehicle loan or lease

XXXX XXXXe keep calling and trying to get money from clients other then car loans my car was repo I had got the vehicle back but they trying to charge me for a repo fee when I had to pay a repo fee in order to get the car back. They always calling in my consumer laws it states 15 U.S. Code 1692g - Validation of debts and as well as 15 U.S. Code 1692d - Harassment or abuse. Violates are rights in regards to the company and not only that 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). Notice that Pursuant to 15 U.S. Code 1635 ( b ). In addition, I was given false and deceptive information ( violation of 1692e ) as I was told that a down payment of { {$3500.00} } was needed in order to drive off of the lot. Pursuant to 15 usc 1605 a finance charge is the sum of all charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX have been given dispute letters contesting Bankruptcies reporting on to the credit report. 
XXXX/Experian are reporting a false address as current address.
Product: Credit reporting or other personal consumer reports

Notice of Dispute I XXXX XXXX XXXX, am a Consumer as defined by law and have the Right to privacy and the right to Opt out of reporting information about my personal, family, and households private affairs. 
I am currently going through a private arbitration through the XXXX XXXX XXXX, with XXXX XXXX XXXX XXXX XXXX. The account has been reported inaccurately and has never been Validated by the Oringinal Creditor, XXXX XXXX XXXX as defined in 15 USC 1602 definition of Creditor when using and open end credit plan ( XXXX XXXX ) the card issuer is the Original Creditor. Until my right to opt out has been presented along with a validation request, the reporting of this account is unauthorized and inaccurate, and must be deleted from my consumer reports. From the time of receipt of this notice, submitted through the CFPB, any further reporting of this account will be considered willful misconduct and willfully causing injury to a consumer for the financial gain of the Credit Reporting agency, with malicious intent.
Product: Student loan

Windham Professionals placed me on a payment plan to pay down my student loans in XX/XX/2010. They claimed that The Department of Education placed my student loans with them to be paid and that I could pay off my arrears, taxes and fees within a 9 month time frame. I finished my payment plan within the 9 month time frame. But this week after searching for that information on my XXXX loans the payments do not appear in their system. While XXXX no longer services my student loan, neither their office or Windham Professionals has any history of the loan repayments Ive made. I am seeking information as to where the money is or how it was allocated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the company a certified letter dated XXXX XXXX,2017 stating '' This letter is regarding Act. # XXXX, which is listed Discharged in Bankruptcy. This is a formal notice that your claim is disputed. '' I never received any response back from the company about my dispute nor was it ever listed that I was disputing this account on any of my credit reports.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX 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 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 months that are reported late 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to properly investigate Bankruptcy claims being reported on my credit report. This company reported XXXX to be the data provider. Documentations from The Court in question and the data provider XXXX we sent to this company. They ignore all correspondence. XXXX has submitted a dispute on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon! I XXXX XXXX I am trying to dispute these closed account on my credit report because I sent them a letter regarding my dispute XXXX and XXXX. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protect consumer rights to privacy and confidentiality under XXXX XXXX XXXX contacted the collection agency during XXXX and XXXX for all these closed accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX Account # XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to be removed off my credit report.

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 of has a reasonable cause to believe that the information is inaccurate.

They sent me this letter stated that this has been verified.Therefore I would like these account to be removed off my XXXX, Equifax and XXXX account. This company is violating my consumer right to privacy pursuant to 15 U.S.C 1681b 2. Company has also No permission to report anything using my info pursuant to 15 USC 1681 4.
Product: Credit reporting or other personal consumer reports

Relevant Tax Law Codes : 15 U.S.C 1692 ( c ) : States Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ~I gave no consent for a debt collector to contact me. 

15 U.S.C 1681 ( a ) States : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

~ Meaning XXXX Violated U.S.C 15 1681 ( a ) 4, Which states : 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.C 1681 ( e ) States : A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report ~ This was violated. 


15 U.S.C 1681s-2 ( a ) 1 ( a ) States : 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. 

~Which means XXXX violated tax law codes 15 U.S.C 1681s-2 ( b ), Which states : 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. 

~Information was sold before I had any knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent all three credit bureaus a certified letter requesting that this closed account from XXXX XX/XX/14 be deleted from my credit reports. It's been over 90 days and they have yet to respond or delete this request. This violates the FCRA law that States that the bureaus must respond to consumer disputes in a timely manner.
Product: Credit card or prepaid card

I have tried to resolve multiple transactions disputes with Mastercard ( MC ) and the credit card issuer, Citibank ( Citi ). The resolution processes of both MC and Citi are inadequate - investigations are incomplete, do not address the correct issues nor consider relevant facts, and are designed to protect the merchants, banks and credit card issuers. I have pursued dispute resolution for more than 2 years, from XX/XX/2016 to the present. In XX/XX/2016, I conducted business with a merchant who conducted fraudulent sales, falsely representing his goods and breaching his own sales contract. Appraisal of merchandise has proved merchandise is not as represented. Merchant assured me merchandise could be returned, but then refused to accept a return of goods. Sales contract stated Certificates of Origin would be provided for goods purchased. These were never provided, despite multiple requests. Merchant intentionally contracted with customer under false pretenses.
Product: Credit reporting

After several phone calls and letters, requesting that they correct my address so I Can receive my free credit report with no success. I get the same run away. I have sent Mail Copies of Dl, power bill, SS card, cancel check. And still same thing ask me to send more. XXXX rep said there was no zip code on my power bill. Which you can Clearly see on the copy. Address and zip name ect ect
Product: Money transfer, virtual currency, or money service

Iam writting to formally express my concerns regarding zelles handling of disputes, particularly in light of the 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 my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users Vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety. I was victim of a scam XX/XX/2024. And although all evidence was provided. Zelle failed to recover my lost funds. XXXX checks were deposited verified and money was sent through zelle. The next day checks bounced back all my account was left negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

N. 1- Personal information is, real name is XXXX XXXX as it appears on social security, correct address since XXXX is XXXX XXXX XXXX XXXX , fl XXXX. 

N. 2- The inquieres were not authorized only XXXX XXXX XXXX 

N. 3- Account N.2. That purchase was disputed at the Florida Deparment Agriculture and they did not comply with what they agreed with this department. XXXX / XXXX XXXX XXXX XXXX. 

N. 3- Account N.3 XXXX  XXXX N.3- Account collentions XXXX XXXX  that account has already been claimed by the licensed XXXX XXXX and they are placing it with another name ... XXXX XXXX I do not XXXX it .... XXXX XXXX XXXX was claimed in the three companies by lawyer XXXX XXXX. XXXX XXXX XXXX {$1700.00}. 

N.4-XXXX XXXX is the company with which I have the house loan. The company XXXX  reported me late payments in XXXX, XXXX and XX/XX/XXXX and I was protected for three months under federal law for people who were victims of Hurricane Irma and I was a victim of Hurricane Irma. I want to change the status that appears on my credit for payments made on time. 
In XX/XX/XXXX I applied for a foruobance program with XXXX XXXX and was eligible for the program and the house mortgage payments were different and authorized by XXXX XXXX, this program with the coronavirus spread. I have reported with the XXXX  credit bureau late payments from XX/XX/XXXX and continuing. I want to change the status of payments for payments made on time N.5- The XXXX student loans appear divided into four, it seems to me incorrect, only one total should appear and they are still not authorized to charge me, therefore I want them not to be until they are authorized. 

Very Thank for helpmy
Product: Credit reporting or other personal consumer reports

Hello, I filed a CFPB complaint XX/XX/year> notifying Experian of incorrect personal information reporting to my consumer file and demanding removal of the incorrect personal information and an updated consumer report displaying the removal of the incorrect information. I have multiple incorrect addresses reporting to my consumer file that are not mine nor do they have any affiliation with me, I have also noted to Experian my current and only address that I ask to be housed and shared. 

Experian mailed dispute results to me XX/XX/year> as noted on the correspondence, with me receiving it XX/XX/year>. The dispute results reflected no changes nor validation. Having been notified by me ( XXXX XXXX XXXX, the owner/consumer of the consumer file that the information is incorrect and continuing to house and share the incorrect information while refusing to remove it is a direct violation of FCRA and my consumer rights. Consumer reports are required to be accurate by law. This is my second attempt to inform EXPERIAN they are breaking the law sharing incorrect personal information onto my consumer file, placing my personal/private information at higher risk to be compromised. Incorrect data being shared to my file puts me at great risk for fraud, identity, and hackers. With all of these data breaches Experian and data furnishers are having I am trying to have my information and consumer file as accurate as possible. Please remove the XXXX incorrect addresses that have been highlighted from my consumer report.
Product: Debt collection

My Identity was stolen and someone went Online and obtained a Payday Loan in My name with all my information. A civil Division for UHG I, LLC is going through the XXXX XXXX Magistrate Court to Collect from me. I have never obtained a Pay Day Loan in the amount of the {$1900.00} on XX/XX/XXXX. A complaint was filed C/A : XXXX UHG I, LLC, V.S. XXXX XXXX XXXX. I have consulted with two Attorney 's and was advised to contact this agency to Report Fraud to the FTC. On XX/XX/XXXX a Hearing was scheduled, and I requested to Mrs. XXXX XXXX, XXXX XXXX, receptionist to reschedule a week prior. On XX/XX/XXXX I was involved in an XXXX XXXX and my vehicle was totaled. I received a call from the Courts that I expected to be there the court Date was never changed, and from the looks of the evidence of UHGI, LLC The Loan was Mind. This Loan was opened Online, and I feel I am under XXXX to be accused of a Loan I am not Responsible for VIA NETWORK OF A COMPUTOR. A request for this Loan was made using an account on XXXX XXXX with account number XXXX. I have researched all my Closed Bank Accounts do to my Identity being compromised, and Have can not obtain any information linking me to this Account number.
Product: Money transfer, virtual currency, or money service

I created a Coinbase account on XX/XX/2021 and invested {$1500.00} since XX/XX/2021 I have been unable to access my account or money. 
I have submitted several tickets for help which have only been responded by an automated system. My account remains suspended without any communication as to why. Besides the initial investment, I did not attempt any withdrawals or any other transactions on this account. The app is showing a connection issue but the website says it has been temporarily disabled.
Product: Credit reporting or other personal consumer reports

I have disputed this with the XXXX credit bureaus Equifax, XXXX and Equifax. 
All XXXX credit reporting agents are reporting a balance on accounts that have been charged off. The balance should report as XXXX.
Product: Money transfer, virtual currency, or money service

My order number : XXXX current order contains XXXX bitcoins, worth $ XXXXTransaction hash address XXXX I asked for a refund, but Coinbase Commerce ignored my refund, I was told to continue to make the payment, that I had made the payment, and that my merchant had confirmed that I had made the payment, but Coinbase did not acknowledge their error, that they had committed fraud, infringed on my legitimate assets, and wanted to encroach on it