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

My credit file was retrieved in XX/XX/XXXX and after further investigation, inaccurate information was discovered. The Fair Credit Reporting Act 15 U.S Code 1681 relating to Inaccurate details as follows : XXXX report date open XX/XX/XXXX, Last verified XX/XX/XXXX, Date of last activity XX/XX/XXXX, closed date XX/XX/XXXX, High balance {$64000.00}, and lasts payment XX/XX/XXXX. Creditor Remarks : Charged off as bad debt. Profit and loss write-off. Experian report date open XX/XX/XXXX, no closed date reported, high balance= {$64000.00}, Last activity dated XX/XX/XXXX, Last payment XX/XX/XXXX. Account Rating : Derogatory. Payment status : Collection/Charge off. Creditor Remarks : Unpaid Balance reported as a loss by the creditor grantor. XXXX reports date opened XX/XX/XXXX, date last activities XX/XX/XXXX, dated report XX/XX/XXXX, last payment XX/XX/XXXX. No closed date was reported. Account rating : Derogatory, Payment status : Collection/Charged off. Creditor Remarks ; Charged off account. According to the Federal law Fair Credit Reporting 15 U.S Code 1681s I have a right to privacy and no written consent to add information on my credit report 15 U.S Code 1681b. Derogatory marks are not allowed on your report by law 15 U.S Code 1681. Per Credit Law 15 U.S Code 1681c creditors agree to follow the law and have not done so in 15 U.S Code 1681 information is inaccurate and by law justifies immediate removal. XXXX, XXXX, and XXXX are our main credit bureaus, but all reports are not the same and inaccurate information from Toyota. Per Fair Credit Reporting Act 15 U.S.C 1681 which justifies the removal. Transaction history along with derogatory marks are a violation of the Fair Credit Reporting Act. Toyota reports this account to the three credit bureaus XXXX, XXXX, and XXXX as charged off which is treated as income and, therefore, eligible for removal from the records. IRS regulations Laws Topic no. 431, Canceled debt. If your debt is forgiven or discharged for the amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Income is considered money received, especially regularly for work or through investments. is not work or Toyota vehicle company is not an investment or my employers and by IRS law justifies removal. Toyota and XXXX insurance for the XXXX XXXX for justified as a total loss due to flood damage. The vehicle was covered by Gap insurance and Toyota was aware of and contacted on several occasions concerning this matter. Under the Fair Credit Reporting Act, this creditor Toyota Financial has violated my rights. Under 15usc1681 section 602 states, I have the right to privacy. 15usc1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15usc1666B.

Please review the attached evidence uploaded to the file. Credit reports that support inaccurate information from the three credit bureaus, Total loss statement, and Insurance payout.
Product: Debt collection

I am a victim of identity theft and I am receiving phone calls of harassment, profane, injurious and abuse language, death threats and threats of being arrested and sent jail and prison from Dynamic Recovery Solutions Representatives for a debt and credit card account from XXXX XXXX XXXX  for {$960.00}. The account and debt is a fraudulent account and debt, and not my account or debt. The account or debt dont belong to me. Its a fraudulent account and debt. Dynamic Recovery Solutions in is infringement and complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and Minnesota law.
Product: Debt collection

Hello I orginally was approved for these apartments back in the year of 2022. I sent in a request to cancel as I never moved into the address they have on file. I also notified the company via email as well as by phone yet they were still billing me when I never moved and no lease was signed. This debt needs to be cancelled and I have proof of them still trying to collect {$630.00}. If this is not removed I will contact my lawyer for further proceedings.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX In reviewing my credit report I noticed that in the last 24 months this company has requested a soft check 17 times without my permission Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX When calling the number listed on the credit report I was not able to get a person to answer the phone. Currently on 30 minutes of a recorded commercial for their best egg loan service.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX Subject : Request for Investigation and Removal of Negative Items Dear Equifax, XXXX, XXXX I am writing to formally dispute certain items that appear on my credit report dated [ XX/XX/year> ]. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reviewed my credit report, and I believe that the entries listed above contain inaccuracies or outdated information that do not accurately reflect my credit history. 

Provide a brief explanation of why these items are inaccurate ( e.g., paid off, incorrect balance, identity theft, etc. ). Be sure to include any relevant evidence you might have, such as payment receipts, correspondence with the creditors, or identity theft reports. ] According to the 15 U.S. Code 1681 Fair Credit Reporting Act, I am entitled to dispute inaccurate information contained in my credit report. I kindly request that you investigate these accounts and confirm their accuracy. If you find that these accounts are indeed inaccurate, I ask that you remove them from my credit report as soon as possible. 

Please find enclosed copies of any supporting documentation that substantiate my claims. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your help in resolving this issue. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Signed up with Skrill. Had no issues for the first week. Next week, visited local XXXX XXXX  store like usual, let the cashier scan my Skrill generated barcode for adding cash, I wanted {$10.00} loaded, there was a {$2.00} fee which brought my total to {$12.00}. I took my receipt after I paid, that was XX/XX/23, & my money still hasnt been put on my account. Ive been emailing Skrill since XX/XX/23, I provided proof, my account showed the transaction as pending. Skrill replied it could take up to 5 business days. Now, theyve stopped communicating with me, & wont let me access the contact support option any longer. {$10.00} may not be a lot to some but Im homeless & needed that for a payment due.
Product: Credit reporting, credit repair services, or other personal consumer reports

This card was opened to put out of pocket XXXX costs on for my daughter in the amount of {$1200.00}. I went online and created an account when the first statement arrived in late XX/XX/2019 for ease of first payment that was due on or before XX/XX/2019. I first tried paying online thru my account and the option was not available. The chat was unavailable and the option to send a secure message was not working either. I then tried making a payment over the phone and it was not accepting debit card payments nor was anyone able to take a phone payment. I would call and sit on hold for 20+ minutes multiple times daily/weekly. This went on for a while and ultimately I got frustrated waiting to pay overdue balance. I have never had worse issues with making a payment to a credit card company as I did with Care Credit. I finally was able to get account current and made a few payments and the account was closed for new purchases by the creditor. This which was fine as I did not want to deal with this nonsense and the ability for them to impact my credit negatively. After numerous attempts weekly online, via phone I was finally able to get a payment made. Care Credit made it virtually impossible to make a payment and now I am being penalized which I think is a poor business practice. I am expecting that they retract the late payments that are showing on my credit report as this is of no fault of my own.
Product: Credit reporting or other personal consumer reports

This information is totally bad for my credit. It is wrong information. It has to be deleted now. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

To Whom It Concerns : Barclays Bank is fraudulently trying to charge me for an apparent XXXX XXXX subscription that I neither requested nor authorized. The charge was put through on a previously closed card number ( which I reported lost/stolen ). Barclays themselves wrote me a letter ( twice ) acknowledging the fraud/error, and said they would be crediting my account. They have since backtracked on this agreement without providing me any further information though I have called them multiple times. I therefore closed the account after paying all valid charges. But they have decided to report me delinquent and are attempting to collect the fraudulent charge and fees.
Product: Debt collection

I was served court papers before receiving anything stating the account was transferred to the collection agency, before receiving anything stating what my rights are, before receiving anything at all. I then called the collection agency and they admitted they did not send me any of this info. I submitted a complaint to CFPB. After the complaint I received a document in the mail asking for more information my status for financial hardship from the debt collector. I sent letter stating they violated my rights and I would not be sending anything and stated the reasons why. I also ordered a cease and desist. The debt collector then cancelled the lawsuit they filed against me. The phone calls didn't stopXXXX XXXX XXXX XXXX later I am served with yet another court document stating I am being sued from the same debt collector for the same account. Still, they never sent me anything as before. It doesn't matter if they did anyway because the first ever communication I ever received from them is documents for lawsuit which violates the Fair Debt Collections Practices Act. In fact all of their actions have violated my rights under that act. They messed up and they know they messed up. The process doesn't start over just because they were caught in their XXXX up. I am XXXX XXXX XXXX XXXX. This is taking a toll on me and needs to be stopped now.
Product: Credit reporting or other personal consumer reports

I sent in letters to update my personal information on XX/XX/2024 and have not removed the addresses or my name
Product: Checking or savings account

I called my bank Wells Fargo after noticing that my bank was being charged for multiple locations when I was at work. During my break I went to a XXXX XXXX  and by mistake left my card in the card holder. The man who wad standing behind me was a little to close when I was paying, so I feel like it was him who saw. I went back to work and didn't notice I had left my card there. While I'm working I noticed a charge for almost {$300.00} at a XXXX XXXX XXXX XXXX XXXX, and then I notice that {$200.00} was taken out from an atm and then another {$200.00} and {$10.00} dollars from the gas station were the atm was, I immediately locked the card and put it as fraudulent but the person who stole the card still kept buying at other locations even if the card was locked. I called the bank and they said they can't do anything about it since the pin was put in, but it was not me I was working. Yet the bank still charged me {$35.00} dollars 4 times for being negative on my account, when it wasn't even me. My complaint is that the bank does not want to run an investigation, or give me my money back for the {$850.00} dollar charges that were not made by me. I was robbed of that money by a person who committed the fraud. It is unfair to me that the bank does not care.
Product: Debt collection

A representative from National Credit Systems Inc. informed me that I would be sent verification documents ( XXXX  ) in the mail along with settlement offers. When I called in XXXX of 2020, I was told that I had a settlement on file that was mailed to me, per the representative. Which I never received. I tried to see if I could take advantage of the 55 % settlement offer that was on file. The representative stated that the system was down on the final date of the offer letter. To take advantage of the settlement, the representative would honor the settlement but not give me 30 days to pay off the debt but only 24 hours. I once again ask for settlement offers to be mailed to review. As of today 's date, I am checking my USPS informed delivery. I have yet to receive any documents via mail in the year I have been paying this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I

n 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. has violated my rights. Or list of inquiries 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 seven 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: Debt collection

I do n't want them to contact me any more as I do n't have an account, a sign contract or any kind of debt with this company. 
I told them to stop contacting me and they just keep sending me collection letters and ignoring me 100 %.
Product: Credit reporting or other personal consumer reports

I called the credit bureaus and ask them to remove some personal information off of my credit report they removed some but some personal information is still not off. I also sent letters on XXXX separate occasions and some personal information is not off as I requested. I want my personal information removed and updated.
Product: Student loan

I signed up for a medical transcription editor course, was promised help in getting a job, receiving proper education and a certificate of completion. They led me to believe this was an accredited school. XXXX XXXX and their loan provider Climb Credit. Pressured me into signing a loan I was told I could cancel. Was not told that there was a time limit for the refund which passed before I received the login information for the course. So I decided to complete the course which is just stuff you can XXXX  and then could not receive any further help in job hunting or refunds. I am on the hook for a {$4000.00} loan that I cant pay off and now might loose my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXhas decreased my credit score 52 points in 2 months. The XXXX score update was decreased 26 points after simply settling an old charge-off account. The score update on XX/XX/2021 has also decreased 26 points after XXXX  recently completed a dispute investigation I filed a months ago. The account in question is Chrysler Capital for an auto loan. XXXX  credit report states that the reason for the decrease was a RECENT late payment. I have not had a late payment reported in nearly 4/5 years. It is very concerning that XXXX  can continue to post inaccurate information on my credit report, and nothing is done to make them stop, or at least correct the issue. There is no justifiable reason that Paying and settling an account should result in the 52 point decrease in my credit score. Consequently, I am more concerned with the inaccurate information they are reporting. I simply do not have any recent late or derogatory accounts. 

XXXX  will not let me dispute this error because they just updated the information incorrectly.
Product: Credit card or prepaid card

AMERICAN EXPRESS XXXX. XXXX  XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX RE : Account # XXXX Hey guys, I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX Please provide the following :
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  needs to delete and block this account immediately because it is fraudulent, State Farm Bank Account # : XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I discovered fraudulent charges on my XXXX XXXX XXXX XXXX card totaling {$1600.00}. I contacted the number on the back of the card, and they provided me with the forms I needed to dispute each of the charges. 
XX/XX/XXXX, the completed forms were emailed to the address provided. 

XX/XX/XXXX I requested a confirmation receipt that the forms had been received. 

In XXXX, I received a response that my claims were being denied because it was determined that I had approved of the transactions. 

XX/XX/XXXX email to XXXX, follow-up to a phone conversation in which he asked me to email a summary of the situation I have been seeking restitution regarding this since XX/XX/XXXX. 
My initial claims submitted were denied, stating that based on their review I authorized these transactions. 
I can assure you I DID NOT authorize ANY of the attached transactions totally {$1600.00} The letter also states that I have the right to request the documentation they relied on in making the decision to deny my claim. I have contacted the number they referenced in their letter to me, XXXX, on numerous occasions to no avail. 

XX/XX/XXXX reply from XXXX thanking me for the information. Told the documents have been sent to the bank for a review and to expect a delayed response due to the holiday season. 

XX/XX/XXXX reached out to XXXX via email to request any updates XX/XX/XXXX email response from XXXX, there has been no response on the banks end, he was escalated the matter to his superior. 

XX/XX/XXXX email from XXXX, the team members finally managed to get a hold with the bank, they are now reviewing the case. 

XX/XX/XXXX reached out via email to XXXX to request any updates XX/XX/XXXX reached out to the bank via chat, chatted with XXXX in customer support. 

XX/XX/XXXX XXXX send email summarizing our chat, he made a follow up to the dispute team in order for a final resolution to be issued in my case. He will be in touch once updates are received from the team. 

XX/XX/XXXX reached out via email to XXXX requested the status. Requested a name of a person that I could speak to. 

XX/XX/XXXX XXXX replied via email that there was not any new information on the result of my case, as the last note on the file says that we will need to abide by the disputes teams original decision of the dispute. Another follow up to the team was make. He suggested I attempt to make a police report regarding this matter. 

XX/XX/XXXX reached out to XXXX via email that police directed me to work with the issuing bank, which I have been attempting for 7 month. Once again requested to have the information on what basis they made the decision that I approved of these purchases as the letter I received stated I had the right to request this information. It has been requested repeatedly and never received. Once again, I requested the name and contact information of whom this matter has been elevated to. 
XX/XX/XXXX email from XXXX, once again suggesting a police report as he was still awaiting communication back from the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested a proper documentation about the unauthorized inquiries to prove that the unauthorized inquiries are accurate. However, they did not respond to my request on the given specific days. Under 15 U.S. Code 1692e. False or misleading representations- ( 8 ) they failed to notate these unauthorized inquiries and it was in dispute within 30 days now. This unauthorized inquiries are in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because someone fraudulently used one of my credit cards in XX/XX/2020, I got a credit report from one of the major credit reporting companies. I think this was the first time in my life I had ever requested a credit report because I had always heard that doing so could lower one 's credit score : besides, I had no need for further credit. However, I did discover that there was an account for a credit card from USAA Savings Bank that wasn't mine. The number for USAA was listed on the report so I called them. This was around XX/XX/2020. When I called I told the person answering that I thought someone had created a credit card account with my identity. They asked me a series of questions and, yes, my identity was used to open an account. I was then transferred to the fraud department and they asked me more questions to determine my identity, They got to a point where they asked if I was in a particular branch of military service. I have never been in the service at all so at that point they said that was a " big red flag '' and they could see that the account was opened with my stolen identity. They said they would take care of it and get back to me. They didn't. I've called them three or four more times and written them a certified letter, but they are giving me no help or information.