23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XX/XX/XXXX I was forced into a contract by XXXX XXXX XXXX. They mislead me on countless details and drafted a contract with inflated numbers which they refused to explain or remove. They would not give me my keys so that I could leave. With all the lies and deceit they forced me into signing a contract with World Omni Financial Corp. which is doing business as Southeast Toyota Finance. I was unable to contact them at first because the dealership refused to give me any information about this company. By the time I received the information for Southeast Toyota Finance, I was informed it was too late to do anything about being forced into a contract with them. The amount I was charged is {$58000.00} not including any interest that has and will accrue on this amount.
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 COLLECTIONS, Account number : XXXX ; Account name : XXXX COLLECTIONS, Account number : XXXX ; Account name : XXXX XXXX XXXX XXXX XXXX, Account number : XXXX XXXX ; Account name : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX has violated my rights. 

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 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I made a purchase on XXXX, payment collected by XXXX, with my Discover card in XX/XX/2023. The item was for my wedding and was in my area after I left for my wedding. The package had to be signed for and I obviously wasn't home to get the package. The post office was supposed to send it back the beginning of XXXX and still has not. The XXXX seller refuses to refund me even though they're aware I never got the package, no longer need it and the post office hasn't sent it back. The post office has nothing to do with me so I don't understand why I'm being punished and stolen from. I filed a dispute with Discover and they decided the charge was valid even though there's proof it wasn't delivered. I have zero need for the item now and it's not my fault that the post office still hasn't sent the item back. Discover 's customer service was beyond useless. Discover is the worst when it comes to disputes and refuses to take the customer 's side. I had another dispute with them for nearly 4 months and they refused to be of any help even though I returned the items that I had to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Discovered Trans Union had billed my credit card {$24.00} for service I never requested. 
Tried to contact the Trans Union Office listed on my credit card account. XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX XXXX. XXXX. The phone is disconnected. The latest try was this morning Via information from XXXX XXXX contacted Trans Union on XX/XX/XXXX. They had no record of a request but wanted the credit card # that was billed. I declined because I would no longer have a way of proving that they were not voluntarily given the credit card number in XX/XX/XXXX. I offered the last 4 digits but they insisted on the full card number. 
I had the credit card company reverse the charge, and after investigating they did so XXXX/XXXX/XXXX Trans Union billed my credit card again. Although I had a new card the credit card company put the charge through not realizing it was reoccurring from the month before. 
Although the credit card company has sent the third card I will not activate the third card. 
Upon checking my XXXX XXXX account I discovered that on XX/XX/XXXX Trans Union had downgraded my XXXX XXXX by 41 points. Giving me a credit score of XXXX. 
Upon looking to see why there were 8 changes listed responsible for the change.

6 changes were a decrease in amounts due to timely payments. 1 was the removal of a bankruptcy public record. The 8th change was an increase of {$22.00} on a credit balance. 
I believe that Trans Union 's actions are retaliatory for not accepting the fraudulent charge of {$24.00}. 
The 2nd Reporting Agency on my XXXX  account is XXXX. That score is XXXX and rising.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding an inaccurate collection account that has negatively impacted my ability to start a real estate business. I am seeking full compensation for the potential money lost, as provided under U.S. Code 1692k and 1640.

As per the Fair Debt Collection Practices Act ( FDCPA ), codified under U.S. Code 1692 et seq., I have identified several inaccuracies in the collection account reported by [ Name of Collection Agency ]. The inaccuracies include incorrect dates, amounts, and other details that are not reflective of my actual financial history. These inaccuracies have had severe repercussions on my credit score and have prevented me from obtaining financing and pursuing my entrepreneurial aspirations.

Furthermore, the Fair Credit Reporting Act ( FCRA ), codified under U.S. Code 1681 et seq., requires that information reported by credit agencies, including collection accounts, be accurate and verifiable. The inaccurate collection account has violated my rights under FCRA, causing significant harm to my creditworthiness and financial prospects.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I filed a dispute with XXXX regarding a trade line reported by Specialized Loan Servicing, due to inaccurate balance and payment history data reported. On XX/XX/XXXX,  the balance of the trade line was updated to the correct amount ( {$0.00} ), yet the paid history continues to show a charge off date of XX/XX/XXXX when the date of first delinquency was XX/XX/XXXX ( in  violation of the FDIC 's Uniform Retail Credit Classification and Account Management Policy ).
Product: Debt collection

In XXXX or XXXX a company by the name of Dynamic recovery solutions add a collection account to my credit report. The amount of the collection is XXXX. I had no idea the debt existed and I have never received any communication from the original holder of the account or the collection agency prior to the hit on my credit report. Upon receiving the negative hit i reached out to the number that is listed on my credit report but i have yet to receive any communication from the debt collection agency. XXXX XXXX percent sure this debt is a result of fraud. A few years ago my information was stolen and as a result of that theft Ive suffered some identity theft as well. Just a little back ground information, someone bought a house in Texas in my name, bought three cars, maxed out XXXX credit card, and attended Dr offices in my name. Rectifying this issue has proven to be stressful and mind boggling. I have filed numerous police reports and filed a report with the FTC. Also, i have disputed this account as fraud several times
Product: Credit reporting or other personal consumer reports

Dear TRANSUNION I am writing to formally request the permanent removal of incorrect information from my credit report pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ). The information in question resulted from identity theft, and I am providing this affidavit to support my request. 

Enclosed, please find the following supporting documentation : 1. A copy of my identity theft report filed with the Federal Trade Commission ( FTC ) XXXX XXXX. A COPY OF MY CREDIT REPORT I request that you block and remove the fraudulent accounts and any associated negative information as mandated by law. The accounts in question are as follows : INCORRECT ADRESSES : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNT : XXXX opened on XX/XX/XXXX Inquiries : XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX Please provide written confirmation that the fraudulent information has been permanently removed from my credit file, as required under FCRA 605B. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I received a letter that was forwarded to me from my old address in the mail from a company called " Radius Global Solutions LLC ''. The letter claims that RGSLLC is a debt collections agency who are looking to collect {$1700.00} that I allegedly owe to a former university I attended in XXXX. I requested further information in the form of a detailed itemized bill that would explain exactly where this " debt '' is outstanding in addition to a statement from the university on their letterhead with a handwritten signature further explaining how and why this " debt '' came about. On XX/XX/XXXX, I received a letter that RGSLLC sent me containing an unofficial photo copied student bill that had incorrect personal information and no detailed explanation of the outstanding " debt ''. Upon doing further research on " Radius Global Solutions LLC '', I was met with numerous articles and testimonies that stated the agency is fraudulent and illegitimate. According to the Better Business Bureau, " Radius Global Solutions LLC '' has over XXXX customer complaints in recent history. I then checked my credit score ( which has all of my correct and updated personal information/history ) and my credit report explicitly states that I have no accounts in collections as well as no student loan accounts in bad standing.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, XXXX Credit Bureaus needs to update credit profile accounts. In regards to each IRS filed 1099-C.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of XXXX XXXX XXXX stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX 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 XXXXXX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries appearing on my credit report, as I am a victim of a recent data breach. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these accounts be blocked and removed from my credit file. 
The following accounts are fraudulent and were not opened by me : XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3000.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$21000.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Additionally, the following inquiries were made without my authorization. Please remove these inquiries from my credit report : 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

XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT AND COLLECTIONS WILL NOT REMOVE FROM XXXX AND EQUIFAX. XXXX HAS BEEN REMOVED AS FRAUD. SENT THE COMPANY IDENTITY THEFT REPORT, POLICE REPORT, AND PROOF OF RESIDENCY, AND STILL WILL NOT REMOVE IT. PLEASE ASSIST.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate removal of certain accounts from my credit report, as I am a victim of identity theft following a recent data breach. As outlined under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be blocked and deleted from my credit report.

Fraudulent Accounts : 1. Creditor Name : Achieve Personal Loans o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} XXXX. Creditor Name : XXXX  XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3100.00} XXXX. Creditor Name : Capital XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$9400.00} XXXX. Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$14000.00} XXXX. Creditor Name : XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$35000.00} XXXX. Creditor Name : XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$12000.00} XXXX. Creditor Name : XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00}
Product: Credit card or prepaid card

Comenity systems have been down for weeks. I havent been able to make any payment with them because of this mess. Their phone lines dont work, easy pay doesnt work, their regular payment system doesnt work. They hit me with a late fee and have started blowing up my phone with suspicious phone numbers.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance Owed : {$7100.00} XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as the did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Info Reference Number XXXX Court US BKPT CT DE XXXX i disputed this account requesting THE VALIDATION to this account and all document that the CREDIT BUREAUS have to send me to validated this account. i never received any document from the credit bureaus. they just VERIFIED without sending any VALIDATION letter to prove me this account is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in all proper documents to XXXX  and Equifax to dispute items on my credit THAT ARE NOT BEING REPORTED CORRECTLY AND THE ISSUE 'S ARE NOT BEING CORRECTED ... XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX..
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

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

XXXX XXXX XXXX Balance : {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, You are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

XXXX  XXXX XXXX Balance : {$500.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX  XXXX XXXX Balance : {$460.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX XXXX Balance : {$790.00} - Balance and payment history is Incorrect please remove immediately. 

XXXX XXXX Balance : {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete immediately. 

XXXX XXXX Balance : {$0.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX Balance : {$2300.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX XXXX Balance : {$0.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this. 

XXXX XXXX Balance : {$0.00} - You are reporting inaccurate information as the past due balance is wrong. Update or rather deletes this erroneous account. 

XXXX XXXX Balance : {$0.00} - This account is reporting twice and the original creditor has not reported it as transferred or sold. Please remove. 

Chapter XXXX Bankruptcy XXXX This was filed in my name by someone else and was fraud please remove immediately.
Product: Credit card

My Account at Citi Bank has always been a mess. They closed it when the market dropped since I paid a little late here and there. Then when I went on short term XXXX I was not getting paid on time from the State so I started to get behind and Citi would n't let me pay online. anymore. At that point I sent a check to get up to date and they misapplied the check so I decided I was not paying by check anyone. I would call in but their hours are awful and made it hard for me to pay since I work long hours. Even if I paid on the due date if it was after their cut off I still had to pay their late charge. so in XXXX I decided to sign up for ACH payments it was going fine for a couple of months then just stopped. I called no one at Citi would take the time to help but one man he saw it was set up but did n't know why it just stop pulling. I paid for that month and the next and he set me up for ACH again starting on XXXX/XXXX/XXXX for XXXX So here I think its coming out but when I was trying to see why my checking account was off balance in the Month of XXXX. I called in to Citi asking why they are not taking my payments. Everyone I talked to said I was never set up and I explained I have a letter from Citi Bank Confirming this. The Reps stated they could not help me and my account was sent to XXXX. I talked with them and they also said something seemed off on my account and put a claim in. They said my account is on hold not to make a payment that Citi has 60days to look at the account. I call back they said Citi have never replied to them so they sent in another claim telling me not to make payment that if I did then that 's admitting Fault. I tried calling them again and still nothing from Citi. Now its end of XXXX so I fax a claim in my self. Still Nothing from Citi. I mail in a payment since I keep getting billed writing a letter with my claim that I still want my late charges back and my credit fixed and my account sent up for ACH. It is now XXXX and I have still not heard anything from anyone. I tried calling and everyone tells me they can not help me. All I want to do is pay my bills on-time and if I am couple day late then I will pay the Late fee however if my account is set up on ACH and you do n't pull it when its no fault on my end then no I am not going to pay their Late fee. I am started to feel like this is a scam since companies live off fees and that 's why Citi has not responded to claim. I and XXXX have sent several claims in and Citi never responds. This is the only account I have payment issues with and can not pay by phone, online or ACH. My account is up to date I tried calling to make my payment and they refused it. I never heard of a company refuse payments I tired several times and different departments. I am sure I am not the only one. All I want is the late charges refunded a letter to fix the Late payments and my account set up for ACH. I have all forms to show you.