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

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$800.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$3200.00}.
Product: Credit card or prepaid card

I bought Vanilla Gift card from XXXX XXXX XXXX on XX/XX/2021 and loaded it with {$500.00}. 
I used the card on XX/XX/2021 at XXXX XXXX for {$25.00} Today on XX/XX/2021 I checked the balance on the Vanilla Gift card and it has only {$1.00} left. Remaining money is removed from the account through fraudulent transactions. 

There are 94 transactions of {$5.00} each on XX/XX/2021 from XXXX to XXXX i.e. within 1 minute using XXXX XXXX. There are 2 pending transaction of {$1.00} each on XX/XX/2021 and XX/XX/2021 using XXXX XXXX XXXX 

Please ensure i get my money returned back at the earliest.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to follow up on my previous communication regarding the removal of charge-off accounts from my credit report. This marks the XXXX formal attempt to address this matter. 

Despite my initial request and subsequent efforts, the charge-off accounts remain unresolved, adversely impacting my creditworthiness and financial standing. It is imperative that these accounts are promptly removed from my credit report to ensure its accuracy and integrity. 

I urge you to take immediate action to rectify this matter and provide me with confirmation once the charge-off accounts have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I received a credit card thru XXXX, and transferred a balance from a XXXX XXXX account to the new XXXX card. However, in my EquiFax credit report, they show the new XXXX balanxe, but did not deduct the transfer amount from my XXXX XXXX account. So it appears as though I owe apx {$3800.00} more than I actually owe.
Product: Credit card

Company closed account for inactivity after transactions made to keep account active. Would not provide access to account activity or statements when requested.
Product: Debt collection

This debt has been paid in full since XXXX 2012. There is a zero balance for this paid collection. Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I have carefully reviewed my report and found several accounts marked as negative that I neither opened nor authorized. In accordance with the Fair Credit Reporting Act the following accounts has violated my rights : Disputed Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

My private student loans were refinanced with Sofi, away from XXXX XXXX who have begun programs to discharge debts acquired from both school misconduct and XXXX 's business practices. 

XXXX has refused me application to this program due to refinancing, which is discriminatory against myself and others who have made their best efforts to be current on payments. If I had simply allowed these debts to fall into default and live comfortably, they will have forgiven this debt. 

Additionally, I have an approved Borrower to Defense application through the Sweet vs. Cardona lawsuit. The US government has found debts accrued from my school to be egregious and deserving of loan forgiveness.
Product: Credit reporting or other personal consumer reports

I DID NOT RECEIVE ANY GOODS OR SERVICES FROM THESE INQUIRES. ALL INQUIRES WERE NOT APPROVE OR AUTHORIZED FROM ME.
Product: Credit card or prepaid card

I had several charges from the east coast and submitted a dispute with the credit card company. These charges were definitely not consistent with previous charges on my account ( This is the reason the credit card company rejected my dispute ) as I have not been to the east coast in a long time. Some of these charges included XXXX NY LOCAL as well as XXXX XXXX  orders in NY for which it would make no sense for me to order from California. I also do not know anyone in NY. 

I called and was told nothing could be done and proceeded to cancel the card. Although the person I talked to was surprised that my claims were denied, he reiterated that he could do nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I Submitted a complaint to you all regarding XXXX XXXX reporting my XXXX  XXXX bankruptcy on my credit report and illegally sharing/selling this information to third party credit reporting agencies ( Transunion, XXXX, XXXX ). XXXX XXXX followed up by sending me a response stating that they needed to verify my identity please see exhibit. I called in and spoke with 2 separate representatives on XX/XX/2023 and verified my information. The representative stated that the XXXX  XXXX bankruptcy information was not removed and XXXX XXXX did not complete the demands stated. They actually did nothing. I am at Witts end with XXXX XXXX. XXXX XXXX has committed identity theft by furnishing and housing damaging personal and private information in their systems without my consent and selling this information to third parties without my permission and knowledge. XXXX XXXX, or any other credit reporting agency, has NO lawful authority nor are they operating under ANY LAW that allows them to collect and share damaging information about me, a living and breathing soul. This is identity theft. This is defamation of character and I am not taking this lightly. This is the second time Ive had to file a complaint about these companies and I will not sit back and allow this to continue. The bankruptcy court clerk of Florida stated that they do NOT report this information to any credit reporting agencies, they only report this information to XXXX. XXXX WEBSITE STATES THAT THEY DO NOT GIVE, SELL, OR TRANSFER INFORMATION TO THIRD PARTIES. XXXX, Transunion, and XXXX all obtained this information illegally from XXXX XXXX under FALSE pretenses and furnished this information on my credit reports. All of these agencies have no lawful authority to report any of my personal information without my consent or permission! This is IDENTITY THEFT. You do not have permission to make decisions for me or freely damage my character!!
Product: Checking or savings account

On XXXX XXXXXXXX XXXX, 2023 my Chase account showed suspicious activity of someone using my XXXX account. At this time a {$390.00} transaction was pending to someone I never heard of. I immediately contacted my bank and filed a complaint. They stated at that time it would be taken care of. 
On XXXX XXXXXXXX XXXX, 2023 my account showed it was no longer pending but had gone through and the money was taken out of my account. I once again contacted Chase and they stated it takes 2-5 business days for them to clear it up. I do have a reference # for this claim if needed. 
On XXXX  XXXX XXXX, 2023 I received an alert from Chase stating they would not refund my money that there was no suspicious activity seen in my account. I once again contacted them stating I would be changing banks if they didn't get this cleared up. They stated the only other thing to do was to contact XXXX. Which I did, to no avail. They sent me right back to Chase stating they needed to deal with it. 
I feel the fair resolution is for Chase to reimburse my account the {$390.00}. Especially since I caught it while pending. 
Respectfully, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Nelnet Attn : Claims XXXX  XXXX : XXXX XXXX, NE XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 

These item late payments from XX/XX/XXXX has been inaccurately been reported to the credit bureau. When I last spoke to Nelnet as soon as XX/XX/XXXX to be place in a Miltatry Forbearance. Nelnet failed to complete the necessary documentation to complete this process, thus making the current credit report inaccurate and incomplete because. I am requesting that the item be removed to correct the information. 

Enclosed is an attachment supporting my position. Please reinvestigate these matters and correct the disputed item as soon as possible. 

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

My name is XXXX XXXX, and no third party is involved with submitting my complaint. On XXXX XXXX I entered into a consumer credit transaction with Toyota Financial Services when I filled out an application to use my right to extend credit. Since Toyota Financial Services operates under Truth in Lending, I was surprised to see that they required a " down payment '' from me per 15 US Code 1605 as it is illegal to mix consumer credit transactions and cash down. I have made payments without a late payment the last year. However, I was reviewing my contract and realized I have over paid my contract and that the contract has been paid in full. Per US Code 1605 the finance charge is the sum of ALL charges in any consumer credit transaction and I have paid well above the finance charge listed in my contract. I have talked to Toyota Financial Services customer service line multiple times to try to resolve this issue and they have hung up or failed to help. I have recorded these phone calls and many of their representatives have willfully and knowingly given me false and inaccurate information regarding the existence of their " required '' down payment and finance charge. Toyota Financial Services is now in violation of 15 USC 1611 and can be held criminally liable for willfully and knowingly giving me this false and inaccurate information and for failing to comply with any of the other requirements under TILA. Furthermore, they have caused me emotional turmoil and distress with repetitive phone calls on a balance I do not owe as well as reporting my late payments to all three credit reporting agencies ( XXXX, XXXX, XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom  this may concern, I am a victim of identity theft and I have previously reported this to Chexsystems, the FTC, Local Police, and others, however despite multiple attempts Chexsystems continues to report th e inaccurate information. I have received reports, but the information they claim they have remove, continues to report. More generally, Chexsystems has given me the " run around '' and has refused to assist in the understanding, disputing, or management of their consumer files. Given this situation, I am requesting Chexsystems promptly remove all previously disputed information and send a response. I have attached reports received from ChexSystems and if examined, you can clearly see a whole different name and DL number attached to my  ChexSystem report.  I have also taken steps to freeze my report, but have yet to receive a pin number to be able to access my report in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been contacting Equifax since XX/XX/2018 regarding a fraudulent inquiry from XXXX XXXX that was placed on my credit. They wouldn't remove it, now I have a charge off/collections account from the same XXXX XXXX company on my credit. I have contacted all 3 credit bureaus and XXXX XXXX and it was in fact deemed fraud. A letter from XXXX was received & sent to all parties involved stating it needs to be removed from my credit report. Equifax is still not removing this item and it is preventing me from buying a home as it has dropped my credit score over 70 points. My data was part of the Equifax data breach and I believe that is how this occurred.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MDXXXX XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to clear account errors on my report! These accounts are not mine. Under the 605 B act These accounts should not be reporting. It is illegal! I have submitted this information already and I have informed all three credit reporting agencies that these accounts are not mine. Please Remove them immediately!! XXXX XXXX No knowledge of this account! XXXX XXXX XXXX! No knowledge of this account! XXXX XXXX XXXX No knowledge of this debt! XXXX XXXX-No knowledge of this account! The following inquiries were not authorized! XXXX XXXX XXXX XXXX XXXX Please Remove this information immediately!!
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on XXXX. 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 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 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 or other personal consumer reports

i recently reviewed my credit report and noticed a recent 1 late payment reporting on my account for XXXX XXXX. I as never late for. 

I have been doing research on consumer laws and FCRA law 1681 states that the consumer reporting agencies have a duty to report 100 % accuracy. I have never been late. 

please investigate & provide proof with statements showing this late payment was late. If proof can not be provided I demand this late late be UPDATED TO PAID AND ON TIME which is right since I wasn't late.
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have ask the CRA 's for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the info i am not familiar with. 

Please find attached a copy of My ID, The FTC complaint, a copy of the NPD report showing my information being exposed in a national data breach and Validation of debt Letter.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX Bankruptcy XXXX, INQUIRY - XX/XX/year>
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly 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 unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety
Product: Debt collection

On XX/XX/XXXX sent me a letter alleging I owe {$23000.00}. Exhibit 1 On XX/XX/XXXX, I responded to the letter requesting certain information. Exhibit 2 On XX/XX/XXXX, XXXX sent documents that further misrepresented the amount of the debt by adding attorney fees, move out fees, and other fees not legally owed or permitted to collect because the amount was incorrect. Exhibit 3 Attached to the verification of debt was {$1800.00} in alleged damages that were added without a court order and in violation of 765 ILCS 710/1. See Exhibit 6 that states may not withhold any part of that deposit as reimbursement for property damage unless the lessor has, within 30 days of the date that the lessee vacated the leased premises, furnished to the lessee, by personal delivery, by postmarked mail directed to his or her last known address, or by electronic mail to a verified electronic mail address provided by the lessee, an itemized statement of the damage allegedly caused to the leased premises and the estimated or actual cost for repairing or replacing each item on that statement, attaching the paid receipts, or copies thereof, for the repair or replacement. Exhibit 4 ) ( This notice was never sent in violation of 765 ILCS 710/1 ) The amount FCO was incorrect because the order granting damages was {$11000.00} that was good through XX/XX/XXXX. Exhibit 4. I moved on XX/XX/XXXX and even with the prorated rent the total amount owed would be approximately {$13.00}, XXXX. XXXX and its client intentionally tried to defraud me and have put this information on my credit which has cause my insurance rate to go up, made me have anxiety and fear that my credit is ruined and I will now be delayed in getting a house or being able to move in the future.
Product: Credit reporting or other personal consumer reports

disputed a fraud account that result do to idenity theft, the account was deleted but they added it back account is not mine. 

XXXX XXXX XXXX ACCT # XXXX