23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On or around XX/XX/2020, I initiated a dispute with Discover regarding a transaction in the amount of {$3000.00} from XXXX XXXX as a result of receiving a defective product. Essentially, the merchant did not provide me with what I ordered - a defective free product ; specifically, a sectional sofa. Nonetheless, Discover apparently closed the dispute according to my online account, but did not send me any correspondence or consider the information that I mailed to their post office box in lateXX/XX/XXXX - illustrated by the Return Receipt attached. To date, Discover representatives allege that they did not receive the documentation despite the fact that I have the attached return receipt. 

I called on or around XX/XX/2020 to follow up on the dispute as my online account reflected the dispute was closed. I requested to speak with a supervisor and was told one would get back to me within 24-48 hours. To date, I have not received a call back from a supervisor. 

I again called on XX/XX/2020 to check on the status of my dispute. I was told to fax in the supporting documentation which I did. I followed up again on XX/XX/2020, and spoke with a representative ( XXXX ) who communicated that the charge was still in the dispute phase and it would not go back on my account ; however, the charge is now back on my account. XXXX alleged to be a supervisor and assured me that he would monitor my account and the charge would not go back on my account. 

Today, XX/XX/2020, I spoke with XXXX ( XXXX ) who alleged to be a supervisor who communicated that they don't have any of the documentation I submitted. Ultimately, she was ineffective at communicating and did not resolve the matter. When I asked to speak with a supervisor above her, she alleged that none were available and nothing can be done about the transaction in question with no documentation confirming that the merchant promised me a credit. 

Ultimately, with that logic - Discover should not have disputed the transaction.
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 accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts 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 : {$140.00} XXXX XXXX XXXXXXXX Balance : {$150.00} XXXX XXXX XXXXXXXX Balance : {$220.00} XXXX XXXX XXXXXXXX Balance : {$9400.00} XXXX XXXX XXXXXXXX Balance : {$150.00} XXXX XXXX XXXXXXXX Balance : {$5800.00} XXXX XXXX  XXXX Balance : {$780.00} XXXX XXXX XXXXXXXX Balance : {$140.00}
Product: Mortgage

In XX/XX/XXXX I purchased a home in XXXX XXXX, Florida the note was in my name and mother placed on the title to show ownership via her present XXXX. My lender was IndytMac to IndyMac XXXX, to XXXX to XXXX additional names. I was notify in XX/XX/XXXX that I was illegally placed in foreclosure. I attempted on XXXX occasions to modify my loan with XXXX acceptance stating document would be XXXX to me then a cancellation stating I did n't qualify for a modification program but completed a six month payment plan. I have payment history of making all my mortgage payments. communicated with my several lenders. All said and done hired a lawyer I filed bankruptcy, it was discharged via mother interest on the title and courts records shows shes not on the mortgage and to this day has XXXX Credit. This stop to auction sale briefly. Now just two weeks ago .another foreclosure went before the court but this time the lender request and era on their part and requested from the court to stop sale and the judge denied request and property was auction off. An appeal was filed to stop transfer of title. Please help I do n't know what else to do other than file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.
Product: Vehicle loan or lease

Toyota financial made my credit drop on a Sunday afternoon 165 pts Toyota financial claims they received a signed contract on XX/XX/2021 the account number is different from what I was given and the company was thru Toyota motor credit Corp that has a different address. He interest rates are different the amounts are different and the flash drive I was given for my copy was blank. The contract that Toyota financial sent consumer financial protection bureau on my first complaint on this was complete fraud. Saying they received signed contract on XX/XX/2021. When if you read the bottom. Of every page in fine print the contract was signed and completed on XX/XX/2021 @ XXXX. ( 14 days after they extended credit to someone I signed a contract with very different numbers ) I came to dealership pre approved with another lender and all of the numbers were different on My contract I signed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th attempt at trying to get this company to remove information that does not belong on my credit report. 

Per USC 15 6802. ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Also this item was charged off with 1099-C which means it is a certificate of indebtedness and has been claimed as income. It is against the law to be reporting on my credit report with a balance or at all anymore. 

Also consider the privacy act of 1974.
Product: Debt collection

Got a Call from Portfolio Recovery Services about a debt no longer owed the original creditor written it off years ago I texted them that the Statute Of Limitations for Consumer Debt in Tennessee is 6 Years and I know they ain't nothing but bottom feeding junk debt buyers that buys old debt for pennies to a dollar and asked them to cease and desist calling and cease and desist sending further letters and the money they scam out of people don't go to the original debt owed but instead into their own pockets and that they pose as fake debt collectors and have very shady business practices told them also any further phone calls will be reported to the FTC for harassment also told them they're violating the Fair Debt Collection Practices Act by calling multiple times a day because that's what they do is harass people calling them all day til people loses their sanity and I've read consumer reviews about their shady practices how they call harass people all day because they along with other bottom feeders count on the consumers ignorance of their rights
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$590.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX  days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I had a chance to review my credit report and noticed one missed/late payment for XXXX XXXX XXXX in XXXX of XX/XX/2017. I advised the company that this missed payment is an error due to an auto-bill issue. It is stated on my credit report that the bill was late, later than 30 days which is incorrect. Every payment before and after XX/XX/2017 has been paid on time. All payments on my credit report states 100 % on time payments. XXXX also didn't provide proof of the missed payment. The missed payment on my credit report is hindering me from obtaining credit and has to be resolved as soon as possible. I have had a great experience with the company and plan to acquire a loan again in the future, just wish this was handled better. 

Warmly, XXXX XXXX
Product: Debt collection

I am XXXX XXXX. I am writing the complaint to you again. On the XXXX of XXXX Truist bank closed my account without explanation. Both debit card and credit card were blocked. So I could not go on line to the account. Some payments were pending on credit card. It was a dispute about the flight with XXXX XXXX, they must return my money of XXXX dollars but I bought the ticket in the company XXXX XXXX. On the XXXX of XXXX I received the letter from Truist, that XXXX cents were received on the Truist account. I thought that the rest of money will be paid later. I never get any bills from Truist credit card and I could not get on the account online. I knew that some money was also pending on the card because XXXX gave me the {$20.00} refund issued on XX/XX/2023. 
XXXX received on : XX/XX/2023 on credit card account, also I had the rewards of XXXX dollars on the credit card. Yesterday I received email from Truist : '' Your credit card payment has not been processed. 
This is an automated message. Please do not reply directly to this email. 
We ran into an unexpected error. 
Hello XXXX, We were unable to complete your requested transaction due to an error during processing. Please initiate a new transaction request. XXXX From account : Truist Checking XXXX To account : Truist Consumer Credit Card XXXX Transaction date : XX/XX/2023 Amount : {$20.00} Confirmation : XXXX '' So, they began to charge interest to my credit card even without sending any bills to me, I called them yesterday and today I was talking to supervisor, she told me that they began to charge interest on my credit card before when the case was still pending. The credit card is not working since XXXX of XXXX, they did not send me any bills or any statements. Supervisor told me that I owe them XXXX dollars. So I want your help to stop their fraudulent activity. Supervisor told me on the phone that only today she will send me the statement on my credit card. Before there were no bills and no statements and the card was blocked. I ask your help to take off that interest payments on my closed credit card. Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXXXXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX **Subject : ** Formal Dispute Demand for Immediate Action Under 15 USC 1681c-1 ( 605B ) Due to Data Breach and Identity Theft To Whom It May Concern, I am writing to formally dispute several inaccuracies on my credit report and to invoke my rights under **15 USC 1681c-1 ( Section 605B ) **, which grants consumers the right to block any information that is the result of identity theft or fraudulent accounts. This letter also serves to inform you that I believe my personal information may have been compromised in a data breach, resulting in unauthorized accounts appearing on my credit report. 

According to 15 USC 1681c-1 ( 605B ), you are required by law to block any information resulting from identity theft or unauthorized activity within **four business days** of receiving a request from the consumer, along with the necessary documentation. I have already provided you with the required information, including a police report and an identity theft affidavit. Nevertheless, you have failed to remove the fraudulent items from my credit report. This non-compliance is a direct violation of federal law. 

The following accounts must be **immediately** removed from my credit report under **15 USC 1681c-1 ( 605B ) ** : XXXX. XXXX XXXX Account XXXX : XXXX *Action Required* : Immediate removal due to unauthorized activity. 

XXXX. XXXX Account XXXX : XXXX *Action Required* : This account reflects inaccurate late payments, which can not be validated. As I did not authorize this account, it should be removed under XXXX. 

XXXX. XXXX XXXX Account XXXX : XXXX *Action Required* : This account is unauthorized and a direct result of identity theft. Immediate removal is required. 

XXXX. XXXX XXXX Account Number : XXXX *Action Required* : Remove this account immediately, as I have no relationship with this entity and it appears due to fraudulent activity. 

Under **Section 605B**, the law is clear : once you have been informed of the unauthorized nature of these accounts and fraudulent entries, you must take swift action to block them from my credit report. You have failed to adhere to this legal requirement, and your continued reporting of these accounts not only violates my rights under **15 USC 1681c-1**, but also subjects you to legal consequences for noncompliance. 

I demand that these accounts be permanently removed within XXXX business days of receiving this letter. If you do not comply, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), file a complaint with the Federal Trade Commission ( FTC ), and pursue legal action under the Fair Credit Reporting Act ( FCRA ). 

Enclosed is a copy of my original dispute letter, and any other supporting documentation necessary to process this request. Failure to act within the required timeframe will force me to take immediate legal steps. 

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

I am writing to express my deep concern regarding the inaccuracies present in my credit report. Despite multiple attempts to address this issue and request thorough investigations into the disputed accounts, I have yet to receive any resolution or corrective action. The presence of these erroneous accounts is severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, impacting my financial well-being and daily life. I am left with no choice but to urgently plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial standing. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit card or prepaid card

On XX/XX/XXXX I took a cash advance out for XXXX with fees, the credit card company charged an additional XXXX for cash advance. I made a payment onXX/XX/XXXX for XXXX ( minimum payment due was XXXX ), I then made a payment for XXXX on XX/XX/XXXX, they did not apply the over and above payments correctly, they are still showing a cash advance balance of XXXX ( I have other charges on the card for goods and services totaling XXXX ) and the extra payment I made should have been applied to the higher interest cash advance balance per the CARD Act. The companies response was " cash advance does not fall under the regulations of the CARD Act ".
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Experian XXXX XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX. ( Please see page attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

US DEP ED XXXX {$12000.00} DPT EDXXXX XXXX {$2200.00} XXXX   XXXX {$2400.00} XXXX  XXXX {$280.00} XXXX XXXX XXXX {$50.00} XXXX XXXX XXXXXXXX {$550.00} XXXX  XXXX {$7000.00} XXXX XXXX  XXXX {$460.00} XXXX XXXX   XXXX {$760.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Experian I request verification of XXXXXXXX  they sent it to a fraud dept I never asked for never said fraud .In the letter their was nothing No contract nothing no verification validation NOTHING enclosed their letter
Product: Credit reporting or other personal consumer reports

The Credit bureaus stated my account was properly investigation but how is that possible if the balance, status of account, the date last active is inaccurate, and date last reported is not accurate or belongs to me. This ground for removal they also violated my rights under 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