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

I am submitting this without any influence and this is not a third party. XXXX 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 719XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 XXXX. 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 XXXX more than 21 times. XXXX 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 n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am notifying you about my identity theft in my letter of complaint since I was a victim of it. I've discovered that some of the accounts included on my credit report are either not mine or were opened without my knowledge. I need your help to remove these accounts from my report. Any accounts referenced in an identity theft report must be blocked by the credit bureau, according to FCRA section 605b. I've included a few documents to help in the effort to stop the submission of false information on my report. 
XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$42000.00}
Product: Credit card or prepaid card

In XXXX, this year, I made a purchase on my XXXX XXXX XXXX XXXX credit card that was sent to me to REPLACE the XXXX AND XXXX XXXX separate cards. I destroyed those cards as I was asked to in the mailing of the new XXXXXXXX XXXX XXXX XXXX card sent. I have had trouble with this bank in the past for taking so long to post or not posting to correct account. AGAIN, since I knew of this trouble, I sent payment for my purchase on the XXXX of XXXX, this year. They applied it to the old account even though I had it directed to the NEW CARD NUMBER sent to me. This was only DAYS after my purchase so they would have time to POST IT to my account well within the time limit for making payment. To this date, XXXX, I have written to them in secure message, twice, I spent 45 minutes on the phone with a representative explaining the situation as they had sent me a notice that my payment was past due but is SHOWING A CREDIT BALANCE for the {$31.00} purchase I made, but they posted to THE WRONG ACCOUNT number. After speaking with the representative for the 45 minutes, he told me he understood and would fix this. That was on XX/XX/XXXX. Today I sent another message requesting my account be updated to show I am NOT PAST DUE BUT IN FACT PAID WELL BEFORE TIME. I do not plan to let this go months and months again like last time I need this corrected by them NOW. Please provide whatever assistance you can in this regard. Thank you
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I applied for a loan modification in latter part of XX/XX/XXXX with Wells Fargo Bank. I received a letter dated XXXX/XXXX/2015 from Wells Fargo stating that they have received my application for a loan modification and to keep in mind additional documents may be needed. 
In a letter dated XX/XX/XXXX from Wells Fargo Bank were a list of conditions they had received and conditions which were still outstanding, all due by XX/XX/XXXX. How then do I have a Foreclosure Sale date for XX/XX/XXXX? This is clearly blatant dual tracking and Wells Fargo should be called on this violation of the California Homeowners Bill of Rights.
Product: Debt collection

Hello and Good Day I reached out to Transunion credit bureau through certified mail to dispute this matter which I am unaware of. I have also submitted a copy of my Fraud police report to them. When I realized this account was on my credit report I took action right away, since I didn't recognize it. I wanted them to verify through the physical verification of the original signed consumer contract under the fair credit reporting act section 609 ( a ) ( 1 ) ( A ) Which they are required by federal law to verify. 

The account is XXXX XXXX XXXX XXXX XXXX XXXX ) {$3100.00} Transunion has not XXXX Attached are copies of disputes letters that I have sent out as well as a copies of my fraud report ( I have sent XXXX rounds of copies and I'm not sure why they have not properly verified the account ). Each round of dispute letters were signed and notarized before being sent out, totaling XXXX letters. Because of this grave error it has cost me dearly with trying to buy a home as well as my job. None of the reporting agencies have done their job under the Fair Credit Report act ( all they responded saying was that XXXX XXXX XXXX XXXX XXXX XXXX ) {$3100.00} was verified either by a data agency or data furnisher which is against federal law, they are not following the FCRA, I have not seen the original consumer contract ). Please let me know. Thank you for your time in this matter. 

kind Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   has been removing positive credit accounts from my credit report for the past several months and has been refusing to reinstate those accounts back onto my credit report. With this negligence it has co st my credit score t o plummet substantially. They have as of today  XXXX    XXXX ,2017  removed my  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , Capital One,    XXXX   XXXX   ,   XXXX   XXXX  is reporting as a defaulted student loan even though it is a credit card account that is open and not closed. I am also an authorized user on  XXXX   Capital One cr edit cards that they have removed and I am also an authorized user on a  XXXX   XXXX   XXXX  credit card that they have also removed. I have contacted all t he Data Furnishers and they have all re-reported the accounts and  XXXX  has yet to re-insert the information. This is wrong on so many fronts. This has cost me to my house that I was trying to purchase and has put everything on hold. This has to be taken car of ASAP.
Product: Credit card or prepaid card

I was sent a XXXX XXXX prepaid card that I did not request. My last name was wrong on the card as well ( it was my formerly-married name that was changed in 2011 ). There are a lot of fees associated with the card, and could really mess someone up if they didn't read the paperwork. This offer is very shady.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Company name : XXXX XXXX XXXX XXXX, PA XXXX Account # XXXX Dispute of Civil Liability for Negligence Section 1681o I am writing to formally dispute the claim of civil liability for negligence under section 1681o of the Fair Credit Reporting Act ( FCRA ) that has been filed against me. I believe the claim is erroneous and does not reflect a valid complaint under the provisions of the FCRA.

As per 15 U.S.C. 1681o, individuals or entities may be held liable for negligent violations of the FCRA. However, I contend that the circumstances surrounding this claim do not warrant such liability, and no negligence or violation has occurred on my part. 

I request that the matter be reviewed and the claim be dismissed. In addition, I ask that you provide clear documentation supporting the claim of negligence, including the specific incident, evidence, and a clear explanation of how the alleged violation occurred. Furthermore, please outline how this alleged negligence caused harm to the complainant and why this should lead to liability under the FCRA. 

Please respond to this dispute promptly in accordance with the legal timeframes set forth in the FCRA. I would appreciate a written response addressing my concerns, as well as confirmation that this dispute is being properly handled and that no further actions or claims will be made against me. 

Thank you for your attention to this matter. I look forward to your response and the resolution of this dispute. 

Sincerely, XXXX XXXX
Product: Debt collection

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
XXXX XXXX
Product: Debt collection

I sent out a Debt verification letter to the collection agency and it was delivered on XX/XX/2023 but Im still receiving phone calls from this collection agency. I have not received a Debt verification letter yet from XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a dispute with Transunion on XX/XX/2020 and dispute was to be completed by XX/XX/XXXX. Received an e-mail that there was a error and I need to re-dispute on XX/XX/2020. The dispute is that I paid XXXX XXXX off and I received a letter stating this .My report is supposed to read XXXX balance account closed paid/settled. Transunion is reporting account is still open and reporting an incorrect balance. They also lowered my score for disputing this. Trans union is refusing to look into this as if they are angry that I paid the account off. To ask me to file a dispuste again has reset the date to XX/XX/2020. If they would have done the first dispute the end time would have been XX/XX/XXXX. The other two bureaus XXXX  and XXXX are reporting correctly why aren't they. I feel they should finish this investigation by the original date. Which is XX/XX/2020. I know they make money this way but please report correctly. Original amount XXXX paid to XXXX amount and closed and settled on XX/XX/2020. Originally Disputed XX/XX/2020. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX RAN ALL MY CREDIT REPORTS XXXX IN ERROR I AUTHORIZED ONLY XXXX AND SOLFT ONLY
Product: Vehicle loan or lease

Dear CFPB Team, I am writing to file a formal complaint against Tesla , Inc. regarding their violation of the Truth in Lending Act ( TILA ) and related statutes, specifically 15 U.S.C. 1605 and 15 U.S.C. 1611. My name is XXXX XXXX, and I believe that Tesla failed to adequately disclose essential information regarding my financing options and my rights under the Act. 

1. Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) The Truth in Lending Act is designed to promote informed consumer decision-making by requiring clear and accurate disclosure of the costs and terms of consumer credit. Tesla has failed in its obligations under this law in the following ways : - Right to Rescind ( 15 U.S.C. 1635 ) : According to TILA, I am entitled to the right of rescission for certain transactions, allowing me to cancel a credit transaction within three business days when relying on credit. Tesla did not inform me of my right to rescind the contract, depriving me of this important legal right. 

- Disclosure of Terms ( 15 U.S.C. 1605 ) : This provision requires all lenders to clearly disclose credit terms, including the required down payment. Tesla pressured me into making a down payment of {$5000.00} without providing a full disclosure that I had the option to buy the vehicle for cash or credit as stated in the contract. This lack of clear communication misled me regarding my contractual obligations. 

- Insurance Requirement : Before I was allowed to drive the vehicle off the lot, I was coerced into purchasing insurance, which I believe is not only a breach of my rights but also an unreasonable condition placed upon the transaction. 

2. Inadequate Disclosure of Fees and Terms ( 15 U.S.C. 1611 ) This statute reinforces requirements for additional disclosures about consumer credit transactions, including the effective interest rates and total costs involved in financing. Tesla has seemingly neglected to provide an accurate and complete account of all fees and terms related to the transaction, which should have been clearly outlined, thereby violating my rights under this statute. 

The culmination of these failures has resulted in significant confusion and financial strain on my part. It is essential that Tesla be held accountable for these violations to protect consumers like myself from misleading practices that contravene federal law. 

I request that the CFPB investigate this matter thoroughly and take appropriate actions against Tesla to ensure compliance with the Truth in Lending Act and related statutes. I appreciate your attention to this serious matter and look forward to your response. 

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

there is a fraudulent application for an credit card at XXXX  in my name. it was declined due to incomplete information
Product: Money transfer, virtual currency, or money service

Purchased XXXX  cryptocurrency for a list price of {$0.00}, spent {$2300.00} USD. This price was listed higher than other exchanges but since its what many of us have access to. Paying higher was acceptable as the price would grow and wed sell for higher. However Coinbase pulled the rug out and later decided to manually adjust their price to match other exchanges so those of us who paid more on their platform were now selling for less. The price was now {$0.00}! This was NOT standard market movement, it was manipulation by CB. This was illegal, immoral and absolutely recirculate. In seconds my balance dropped from {$2300.00} to under {$300.00}! 

again we all know stocks and coins move, price fluctuates etc. this is NOT marked fluctuation - see the picture its straight manipulation and they have a lot of unhappy customers right now. I either want my {$2000.00} difference imbalance back or an adjustment to my amount of XXXX so I can sell it and retain my total of {$2300.00}. Im not selling in the meantime as I would only get {$280.00}!
Product: Debt collection

Someone used my information to apply for an apartment without my knowledge or permission. They pretended to be me. Now Im being harassed for a debt that doesnt belong to me. 
National credit system XXXX Original creditorXXXX XXXX XXXX for {$4500.00}
Product: Debt collection

I attempted to resolved this debt with this company and they wanted the whole amount which I could not afford at the time. The lady that spoke to me was very rude and told me that if I did n't settled this right away with her that she would not accept any other offer. I since called back on XX/XX/XXXX and I was told by XXXX at XXXX XXXX that I had to pay {$900.00} today in order for them to accept my payments for six months. When I left my apartment in XX/XX/XXXX I was being harassed by neighbors and also given a written notice to vacate the premises because my rent was 2 weeks late. i left the apartment before being served and now they are coming after me with the collection agency that is charging me interest every month. I need to be able to pay them and also maintain my current bills. The Collection company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX i owed he apartment complex were I previously lived {$3800.00} now my bill is {$4500.00}. and climbing. Please five me some advise. Thank you
Product: Credit reporting or other personal consumer reports

It seems FCRA 605B necessitates the exclusion of any flawed accounts from my credit dossier. Could you verify the documents? Some of the listed accounts exhibit inaccuracies regarding reporting, amounts, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX XXXX account near the end of XXXX and used it to buy a couch. I paid it off almost immediately and completely forgot about the card, until I received an email in early XXXX saying I owed hundreds of dollars in late fees and interest because of an obviously fraudulent charge ( it literally took a 3 second XXXX search to see that I'm not the only one to experience this particular fraud ). 

After letting the company know of the fraudulent charge and letting them know I was not going to pay anything under any circumstances, they called me almost daily until I blocked their number. I repeatedly informed them I would not be calling them, as I did not have time to waste solving a problem that wasn't mine because they couldn't type something into XXXX. They reversed the fraudulent charge but kept all the late fees and interest for some inscrutable reason and ended up closing my account after some time. I requested they correct my credit report, which they have still failed to do.
Product: Credit card or prepaid card

I defaulted on the credit card in 2018 and they closed my account and wrote it off. They sold the debt to a collection company. Not knowing any better, I paid the collector. They still claim that I owe them money. They continue re-opening and closing my account every other month, and adding remarks to my account. Ive tried clearing this up with them and they claim that they never received the money from the collections company. They will not address why they keep re-opening and closing my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XX/XX/year> XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX Washington, PA XXXX Re : Reference No : XXXX, Dear XXXX XXXX XXXX, I am writing in response to a notice received regarding the above-referenced account. As I have no knowledge of this debt, I request that you provide validation of this debt and furnish proof that I owe this debt, that you have the legal right to collect it, and that it is within the statute of limitations for collection. 
Please provide me with the following information : - The amount of the debt ; - The name of the original creditor ; - Documentation that shows you have the right to collect this debt ; - Proof that the statute of limitations for collecting this debt has not expired ; - A statement of the payments made along with the dates each payment was posted to this account. 
-All original documentation related to the debt, including proof of my identity and the full application form submitted for the original account. 
Additionally, for my records and to ensure compliance with Ohio state regulations, please provide the following : - Your agency 's license number. 
- The name and address of the bonding agent you are registered within Ohio. 
This information will help confirm your legal authority to collect debts within this state. 
Please cease all communication with me by telephone and limit communication to writing only. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX Sent from my XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I explained a while ago that my car was broken into and the thief took all my identification information and is now trying to open accounts in my name. I did not request anything from these companies. It has been weeks and Transunion states that they never got the FTC report but responded to the complaint. I am hoping that they review the attached information & remove these inquries.
Product: Money transfer, virtual currency, or money service

I used Wells Fargo XXXX to send money to a company to purchase XXXX glasses but the company was a scam and did not send the product. I sent Wells Fargo my emails between me and the company but they claimed they could do nothing about me being scammed. So I basically just lost {$3000.00} with little to no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX to XXXX I had adverse financial difficulties and I was not able to pay off my obligation to two debts those debts were adquired by another and anothe and posibly another company that bought those debs Now I need to refinance a car I purchased and they pay no attention to how I have been paying my debts for the pass 5 years instead they look only to those unpaid debts of years pass I believe that's an unfair practice that this financial institutions look at 8 years pass and not at how a person is financially performing at present and in the pass 5 years.