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

On XX/XX/year> it's been 60 days and they haven't responded, this affects according to the law section 611 they must remove evrything that is not verified from my credit and i am a victim of XXXX data breach. on XX/XX/year>XXXX  i sent a letter regarding inaccurate and unknown things on my report its been more than 60 Days they havent responded yet, i feel like they are taking their time and taken avantage of me by ignoring me. iwant these accounts to be removed. from my report as per FCRA section 611A. 
Isurely a victim of the XXXX date breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

The summary of my present and past credit status including open and closed accounts and balance information is fraudulent. All three credit bureaus are reporting erroneous information. None of the information reported is correct. 
Total Accounts Reported - XXXX  ( 16 ) XXXX ( 14 ) Equifax ( 12 ) Open Accounts Reported - XXXX  ( 14 ) XXXX  ( 2 ) Equifax ( 4 ) Closed Accounts Reported - XXXX  ( 2 ) XXXX ( 12 ) Equifax ( 8 ) Delinquent Accounts Reported - XXXX  ( 1 ) XXXX  ( 1 ) Equifax ( 1 ) Derogatory Accounts Reported - XXXX ( 12 ) XXXX ( 11 ) Equifax ( 8 ) Collections Accounts Reported - XXXX ( 11 ) XXXX ( 10 ) Equifax ( 6 ) Balances Reported - XXXX  ( {$27000.00} ) XXXX ( {$26000.00} ) Equifax ( {$22000.00} ) Payments Reported - XXXX  ( {$38.00} ) XXXX ( {$13.00} ) Equifax ( {$38.00} ) Inquiries Reported - XXXX  ( 4 ) XXXX  ( 3 ) Equifax ( 7 )
Product: Debt collection

XXXX, loan originated from Affirm is making repeated attempts to collect on a debt from an order, ID XXXX, placed on XX/XX/XXXX. The order was refused via XXXX, tracking id XXXX. Package was returned back on XX/XX/XXXX. I've been calling the merchant, XXXX for several days, was able to reach a rep on XXXX I believe, was told the item ordered is final sale and discounted which is not stated in advertisement. I've been calling back to attempt to speak with a manager, no one answers phone. Most recently, I've been receiving emails requesting payment which according to payment schedule is now overdue. I've been replying to emails stating item returned, final sale not disclosed in add, no resolution to date.. The form reply received back shows Affirm as the company attempting to collect debt
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 XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX # XXXX, has violated my rights. 

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

15U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency 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 antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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

Equifax continues to report the XXXX XXXX XXXX partial account number XXXX as account not disputed. I have contacted the bureau on multiple occasions to in fact dispute the validity of this account. The bureau has not even bothered to investigate this and report the status correctly that this account, is in fact in dispute. It is a violation of the Fair Credit Reporting act to not report accurate information on a credit report. I respectfully request that Equifax do their job and either remove this line item and/or update the status to report account in dispute. The false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed.
Product: Credit reporting or other personal consumer reports

on XXXX of XXXX, I contacted Bank of America to set up auto payments for my account ending in XXXX. When I called they said it may take 2 months for the auto payments to take place so I have started to do manual payment for a few months but in XXXX & XXXX I have travelled to XXXX for a family emergency and I have thought the auto payments would take care of the monthly payment in XXXX but system did not trigger auto payments, causing a 30- day late mark for month of XXXX. Also, my credit card has expired in XXXX XXXX  and have not received a new card from Bank of America and this could have also caused for the auto payment issues due to the card expiration. 

I have a reached out to Bank of America to dispute this and they have said they have sent this information to the credit Bureaus but have not gotten any resolution yet. 

I have worked so hard to keep my score above XXXX and because of this error my score has dropped from XXXX to XXXX on XX/XX/XXXX. This is impacting our plans to secure a mortgage. I have a strong payment history and ask for understanding to restore my credit report and to remove the XXXX - day late mark caused by auto payments issue.
Product: Vehicle loan or lease

Southeast Toyota Finance ( SETF ) XXXX XXXX XXXX XXXX XXXX  Lease Term : XXXX mo / XXXX mile per year Lease start : XX/XX/2019 SETF has recently enacted the inability for 3rd party dealers to buyout XXXX  vehicles from lessees, citing the pandemic shortage of vehicles for their network dealers and forcing us lessees to only work with same network of XXXX dealers for a buyback or early termination if we are unsatisfied with the XXXX dealer buyback offer. Early termination would result in a penalty, too. 

Unfortunately, I am finding myself in a hardship where I can not continue to make the lease payments for the vehicle, and as a result, did begin my search with dealers like XXXX, XXXX, XXXX, XXXX, for a 3rd party buyout and was pretty happy with the offerings received as it would make me whole given the circumstances I'm seeing now financially - however, this was only to be met with my initial info above from SETF during processing of the buyout where it can not be completed due to their recent restrictions. 

In doing my due diligence, I met with the local XXXX XXXX dealer and was offered substantially less than the 3rd party offers, placing me in a negative/upside down stance versus the current lease payoff amount, and where I'd ultimately end up in collections if I were to agree to the XXXX dealer buyback as I simply can not afford to pay it over other necessary means at the time. 

I personally feel I am being forced into collections and a negative credit reporting transaction, all due to a recent stance XXXX has taken on their agreements with their lessees, but ironically enough does not apply to XXXX vehicles which SETF oversees, as well. Also, this stance they are taking is well beyond our lease agreement beginning XX/XX/2019. 

SETF refuses to work with me and/or the 3rd party to sort this through continuing to cite the pandemic and in a lack for words, not blatantly saying their choosing profit with XXXX dealer only buybacks for their then resale, over a struggling consumer now just trying to stay afloat and keeping a longstanding customer. We're all impacted by this pandemic, and there's no reason for a corporation to flip the script and take advantage of current lessees for their own profiting at my despair, when we all can win-out in the lease payoff satisfied in full by the 3rd party and me not going into collections/repo/adverse credit reporting. 


thanks in advance!
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$21000.00}, and XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request to Experian to deleted items off my credit report, because of identity theft. I received an updated on  XXXX   XXXX ,  2017 . I have the report number and on the copy of my report it is showing that Experian deleted items off my credit report, but the items reappear on my account. I had  XXXX  account items deleted and  XXXX  inquiries deleted, that was input back on my credit report. I have sent disputing letters to Experian about deleting items on my report. I just need for Experian to deleted the items back off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit report shows collection account with XXXX XXXX with a status of paid for a XXXX XXXX bill. I never had any contact or transactions with XXXX XXXX and I never received or paid any bill from them. I received a bill from XXXX for an overdue bill that was sent to my old address after I moved even though I continued to have service with them at my new address and the accounts were supposed to be linked. I contacted customer service and they fixed the linkage of my accounts and corrected the late payment.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I noticed fraudulent accounts on my credit report ( XXXX XXXX XXXX XXXX ). Please remove these accounts from my report they are hurting my ability to obtain credit. I have never had an account with the creditor on this collection. This is a result of fraud and is to be removed from my credit report.
Product: Checking or savings account

On XX/XX/XXXX I had my computer taken over by a scammer without my knowledge and through XXXX, money was taken from my account - one time {$500.00} and another time {$490.00} for a total of {$990.00}. I have tried to get it back into my account and have disputed the bank 3 times and they will not refund my money because it was with a third party XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute the accuracy of the information currently reflected on my credit report, and I request immediate action in line with the Fair Credit Reporting Act ( FCRA ). As you are aware, under 15 U.S.C. 1681i and 15 U.S.C. 1681e ( b ), credit bureaus are required to ensure the accuracy and completeness of all information reported to them. 
I recently learned that XXXX is under investigation by the Consumer Financial Protection Bureau ( CFPB ) for failure to conduct proper investigations of credit disputes, including failing to remove or reinsert inaccurate information. Given the findings in this lawsuit, I am concerned that similar errors may be present in my credit report and request an immediate review and correction. 
Disputed Information Account Name : U.S. Bank, XXXX XXXX XXXX Account Number : XX/XX/year> XX/XX/year>, Disputed Item ( XXXX ) : [ Late payments, collections, charge-offs, etc. ] I am requesting that XXXX immediately correct or remove the disputed information from my credit report, as it does not comply with FCRA guidelines for accuracy. 
Request for Immediate Action Under 15 U.S.C. 1681i, I request that this dispute be processed and resolved within 3 to 4 business days, as I need the issue addressed promptly to avoid further negative impact on my financial situation. Please ensure the dispute is properly investigated and any inaccuracies are corrected without delay. 
Supporting Documentation A copy of my credit report with the disputed items highlighted. 
Documentation to support my dispute and the accuracy of my claim. 
Please send me written confirmation of the actions taken and an updated copy of my credit report reflecting the changes. 
I expect to hear from you within 3 to 4 business days, as required by the FCRA, regarding the resolution of this dispute. 
Thank you for your immediate attention to this urgent matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This version makes it clear that you are requesting a response within 3 to 4 business days. Let me know if you need any further changes! 
You said :
Product: Debt collection

I LOOKED ON MY CREDIT REPORT AND I SAW THAT THERE IS AN ALLEGED DEBT BEING PLACED ON MY CREDIT REPORT THAT I DID NOT AUTHOURIZE OR HAVE ANY KNOWLEGE ABOUT ITS FRAUDULENT PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT. I HAVE TRIED TO GET THIS ISSUE RESOLVED MULTIPLE TIMES I NEVER GOT THE RIGHT DOCUMENTS TO VALIDATE THIS ALLEGED DEBT SENDING AN INVOICE AND A COPY OF A LEASE IS NOT VALIDATION. I HAVE ATTACHED AN FTC REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number ****XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Product: Student loan

Hello. I am submitting this complaint in order to help the CFPB identify a systemic problem with student loans. In this regard, the use of penalties by student loan companies are predatory and excessive. I recently had a student loan payment due on XX/XX/XXXX for the amount of {$200.00}. I fully admit I was late on this payment by a duration of approximately two hours. My loan servicor, XXXX, immediately penalized me for being late. I fully acknowledge the responsibility of paying my loans and the fines that may come with a late payment. However, the fine placed another {$200.00} which brought my actual payment to {$410.00}. This penalty, in my view, is completely excessive and obscene. It follows a disheartening trend of student loan companies taking advantage of young graduates and students who simply want to gain an education to better their lives and the world around them. Millenials on average have starting salaries 20 % lower than preceding generations, while saddled with more debt as well. This is a systemic issue. I understand if I get no reprieve from Nelnet over this. However, I would like the CFPB to at least investigate the extreme level of punishment that is levied on post-graduates such as myself, for being even an a couple hours late. There is no logical reasoning, for doubling my payment for paying my debt two hours past the deadline. I do what I can to make sure I can meet my financial  needs each month and this has put a serious strain on my ability to stay financially solvent as I prepare my budget for bills going into XX/XX/XXXX, when I will inevitably have to pay another {$200.00} payment on the XX/XX/XXXX. I hope you can look into this and ultimately resolve the issue of loan servicors preying on post-graduates such as myself.
Product: Money transfer, virtual currency, or money service

The money that I send., seh did not load into my online acct. and after she received my money through direct bank transfer, she didnt reply to my chat. 

I used Moneygram to transfer money l
Product: Credit reporting or other personal consumer reports

I went to check my report because Ive been working on building credit for my business and so I can get a car when I graduate and was XXXX  by this false information.
Product: Checking or savings account

On XX/XX/2023 I checked my account and seen I had unauthorized charges I immediately contacted the bank and now Ive received notice my claim was denied and closed with no explanation.
Product: Debt collection

XX/XX/year> sent debt verification letter asking for contract and any information associated with this account... .I was sent a letter saying they didn't have to send said information because I didn't ask within 60 days ( attached )... 
And no information was added to my credit report saying that account was disputed by consumer. 

Debt is charged off with a balance still showing
Product: Credit reporting or other personal consumer reports

Violation is misdemeanor of town ordinance of XXXX XXXX, SC, not traffic violation, with XXXX points. XXXX is reporting this as a traffic violation and refuses to change report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up 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. Please remove the following : XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name : XXXX : # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX # XXXX Account Name : XXXX  # XXXX, Account Name : XXXX # XXXX I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

I have been disputing a collection with the FTC an transunion I followed all procedures explaining that the debt is not mine and was opened by someone else with my social security number transunion has failed to remove this from my credit report XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX balance showing owed {$3700.00} this debt was never mine and is not mine the following collections agency has failed to provide documentation or proof of ownership as per FDCPA guidelines I have requested all collection attempts stop and I have requested that transunion remove this from my report and they have failed
Product: Debt collection

On or about XXXX XXXX 2015, I noticed while checking a copy of my credit report, a charge for a line of credit that I did not request. The company was " XXXX XXXX '' financed by " XXXX XXXX XXXX XXXX '' and the amount was {$1300.00}. I immediately contacted XXXX XXXX and all three credit reporting bureaus and informed them in writing via certified mail of this error. It is important to mention that up until this time, they did not have my mailing address and therefore had not been able to contact me. I also should mention that I have never been in a " XXXX XXXX '' store. I clearly informed them that this was a fraudulent activity or a mistake and I requested documented proof which is my right and which they are obligated to provide at my written request according to the Federal law which is governed by the " Fair Credit Collections Act '' and the " Fair Credit Reporting Act '' as enforced by the Federal Trade Commission. They failed to provide any documents and continued to harass me for this debt eventually selling the debt to " XXXX XXXX XXXX '' a collections agency. Similar written requests were made with this collection agency with similar results. They have violated my rights as well by failing to show proof of the validity of this debt. 
They continue to harass me for this debt and are negatively effecting my credit report and FICO score, again violating my legal rights. 
It should be clear to them of the following facts that they continue to ignore. First, the name on the original XXXX XXXX charge is " XXXX ''. My name is " XXXX ''. Second, I reside at XXXX XXXX XXXX XXXX NOT XXXX XXXX. And lastly, they have refused to send me a document that I signed with my social security number and signature. Why? because no such document exists.
Product: Credit reporting 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. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX Balance Owed : {$230.00} XXXX  XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$6600.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$220.00} XXXX XX/XX/2023 XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to have these collection accounts removed from my credit report. The balances on these collection accounts are inaccurate and they are damaging my credit. 

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX