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

FederalTrade Commission has been contacted with reports. 
reference number is : XXXX I am writing to dispute a fraudulent account in the amount of {$140.00} XXXX. I am a victim of identity theft, and I did not originate or authorize this account. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). 

I am writing to dispute a fraudulent account in the amount of {$200.00}, XXXX XXXX XXXX I am a victim of identity theft, and I did not originate or authorize this account. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). 


I am writing to dispute a fraudulent account in the amount of {$500.00} XXXX XXXX I am a victim of identity theft, and I did not originate or authorize this account. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ).
Product: Debt collection

I regret to inform you that I can not accept your decision to dismiss my identity theft claim by attributing it to an error or a misrepresentation of material fact. It raises serious concerns as to how and why you possess the authority to determine what constitutes a material fact. It's worth noting that your role does not grant you the powers of a judge or jury, nor any inherent right to make such determinations. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

XXXX XXXX XXXX XXXX has already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX has already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

According to the guidelines set forth by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the protocol is to adhere to the law and investigate accordingly. 

I am willing to grant you one final opportunity to process my request concerning my identity theft. Failure to do so will compel me to seek legal recourse through the judicial system. In such a scenario, you will be held accountable for the damage caused to my reputation, credit, and the emotional distress I have endured throughout this ordeal. It is highly likely that what constitutes a material fact will become abundantly clear during legal proceedings, and you may be required to compensate me for your negligence. 

I implore you to take immediate action to resolve this matter within the five-day timeframe mandated by law. 

Please manage your responsibilities accordingly.
Product: Payday loan, title loan, personal loan, or advance loan

See Prior Complaint # XXXX, filed XX/XX/2024, that was closed but is still unresolved. GoodLeap responded on XX/XX/XXXX that a small number of Loans were " affected by a systematic error '' and 'a representative will be in contact with you until resolved " I have never received verbal communication only a canned email. I have called and left messages to contact me, attempting to have this corrected before my account was drafted for the incorrect amount again. I have received no calls or follow up. On XX/XX/XXXX my account was again drafted the incorrect amount. I placed more phone calls and sent emails and have received no further communication. On XX/XX/XXXX I received notification of the amount of the upcoming draft for XX/XX/XXXX, and again GoodLeap is showing that they will again draft the incorrect amount. I have called numerous times and requested to speak to XXXX XXXX, compliance escalation specialist and XXXX XXXX, XXXXXXXX XXXX representative. I have left messages with the call center representatives to have both contact me, as I have been told repeatedly that they can not transfer me to anyone. My only option is to email them. I have done this repeatedly. On XX/XX/XXXX they will again draft the incorrect amount for the XXXX time. I have been attempting to have GoodLeap correct these drafting errors since XXXX  when I was notified of the incorrect draft amount. As a Customer, I should not have to wait several months while Goodleap figures out how to correct their systematic computer error.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX, XXXX Bank, and Client Services has been reporting fraudulent activities on my credit report. I reached out to each XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. I also reached out to each bureau those months as well. 
XXXX, XXXX XXXX XXXX XXXX XXXX have been reporting debt on my credit report thats isnt mines. I have sent the collections agencies letters and the bureaus letters. I have spoken with the collections agencies & bureaus. I have not received any results. Each credit bureau said over the phone that I dont own the debt but until the collection agencies send an electronic authorization number for it to be remove it will not fall off until XXXX. This fraudulent debt has been on my credit report since XXXX. Each bureau keep illegally updating these fraudulent accounts. Ive asked numerous of time for them to validate the debt. They wont prove its mines. XXXX XXXX or XXXX has not responded back. XXXX, XXXX, XXXX, XXXX bank XXXX XXXX Client Services has not responded back either. XXXX responded but did not validate or verify any debt. They updated the report as if its mines and dropped my points by XXXX.
Product: Credit reporting

TRANSUNION is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) IFAXFederal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( XXXX ) prospectus, ( c ) Federal Reserve form FR XXXX balance sheet ( s ), ( d ) Federal Reserve form FR XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from TRANSUNION in accordance with g.a.a.p, I.f.r.s. in accordance with basel XXXX accord and u.n.c.i.t.r.a.l. conventions. I also asked them to present these documents from the following vendors/creditors : XXXX XXXX acct : XXXX
Product: Payday loan, title loan, or personal loan

on XX/XX/2014 you went online applied for loan with XXXX XXXX was approved for the loan amount of {$5000.00} XXXX XXXX dollars, was not payments would be taken each time was paid this created a big problem because it made it difficult other bills scheduled for the month.Tried to resolve this initial problem by requesting that payments to be taken only once monthly this never got resolved.XXXX XXXX never changed there position based upon my call for change in the payment structure.we restricted payment on the account by sending moneys via certified certified however moneys were never applied for some reason.funds never transferred out of my account showing payment made, again problem never resolved.When i decided to put a halt to this whole matter by by going to a family member to borrow the money to just pay this loan back minus the payments made totaling {$3500.00} already paid i was told that none of this money paid was applied to principal and my total amount due was over 10,000 I was floored and felt trapped
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year> and noticed some things were incomplete and not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
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. 

XXXX XXXX  XXXX XXXX XXXX- under Balance and Amounts- Date of First Delinquency- " {$13.00} '' This is inaccurate information. This account is not accurate XXXX XXXX XXXX XXXX- under Balance and Amounts- Date of First Delinquency- " $ XXXX '' This is inaccurate information. This account is not accurate XXXX XXXXr XXXX XXXX - under Balance and Amounts- Date of First Delinquency - " {$53.00} '' This is inaccurate information. This account is not accurate XXXX  XXXX XXXX XXXX - under Balance and Amounts- Date of First Delinquency- " $ XXXX '' This is inaccurate information. This account is not accurate XXXX XXXX XXXX - under Balance and Amounts- Date of First Delinquency- " {$1300.00} '' This is inaccurate information. This account is not accurate XXXX XXXX XXXX XXXX XXXX XXXX- under Balance and Amounts- Date of First Delinquency- " $ XXXX '' This is inaccurate information. This account is not accurate XXXX XXXX XXXX XXXX- under Balance and Amounts- Date of First Delinquency- " {$700.00} '' This is inaccurate information. This account is not accurate Improper use of credit I was never late nor authorized the accounts listed below. Please provide documentation showing proof of transaction showing I was ever late to support the inaccurate reporting on my account. If this can not be supplied, please delete these off of my credit report. These are invalid late payments. 
The FCRA allows 30 days for this to be rectified. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I XXXXX XXXX XXXX XXXX XXXX, I XXXX # # XXXX XXXX XXXX XXXXXX XXXX
Product: Credit reporting

I have disputed this account with the Credit Bureaus as well as Phoenix Financial. I disputed this account with Phoenix Financial on 2 occasions and on each occasion, they were unable to provide me a summary of all account activities, payments made, copies of charge slips, invoices, copies of documents sent to me regarding my account and any papers that bear my original signature that reflect that I agreed to pay what they say I owe. See attached letter I sent them as recent as XX/XX/XXXX of this year responding again to their letters. How is it that they sent me a letter dated XX/XX/XXXX and XX/XX/XXXX, and both were the second notice? I have never heard of this company nor have I ever did business with them. I have never signed any contracts nor had any obligation to them. This item is not 100 % accurate ( Collection accounts have no terms, so why are they reporting a term of 1 month if I never signed any contract or agreement with them, nor is it verifiable ; therefore, this items should be deleted from my report immediately.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of the disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my right as a consumer.
Product: Credit card

Complaint Regarding Discover Credit Card Application Process To Whom It May Concern, I am writing to file a complaint regarding my experience with the Discover credit card application process. As a new resident in the United States, I applied for a credit card on XX/XX/year> through the Discover website since I had no credit history. However, the entire application process was inefficient and stagnant. Despite numerous reminders, the customer service representative requested additional documentation such as ID, address proof, and bank statements which I provided. The application was finally approved in early XXXX after more than a month of waiting. Nevertheless, upon receiving the card, I discovered it was frozen, and I had to contact customer service for further assistance. 

The customer service representative informed me that the card was frozen, and I needed to provide additional documentation for the card to be activated. They demanded notarized bank statements and threatened to close my account and report me to credit bureaus if I did not comply. After providing them with the additional information, they did not respond for nearly 10 days. I followed up with them, and they said my documents were unacceptable since they required three months of bank statements, and I had only provided two months. As a new resident in the US, I only had two months ' bank statements, and it was impossible for me to provide three months ' worth. I felt helpless as their customer service support was unproductive and repetitive, and they did not wish to solve the problem. 

I asked them why they approved my application and sent me the card if my documentation was insufficient. Why didn't they reject it in the application process? I am a new resident in the US here only two months and could only provide what was available to me. The customer representative was unresponsive to these inquiries and continually demanded that I provide three months ' worth of bank statements. They were unprofessional and showed no willingness to help me solve the issue. Furthermore, they threatened to close my account and negatively impact my credit score. 

Throughout the process, the customer service was unresponsive and lacked professionalism. They made false statements and threatened me. From the beginning to the end, I had to prompt them continually to make any progress regarding my application process. They never took the initiative to contact me or solve the problem, which exposed the company as arrogant and inconsiderate towards their customers. 

I believe that the application process was unreasonable, redundant, and inefficient. Additionally, I believe that the company was unprofessional and showed no regard for their customers ' time and money. I respectfully request that you investigate my case and take appropriate action to ensure that Discover improves its application process to prevent future clients from experiencing the same treatment. 

Thank you. 

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

In accordance with fair credit reporting act XX/XX/XXXXaccount # XXXX, XXXX XXXX XX/XX/XXXXhas 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 an account without my written instructions.
Product: Debt collection

I was contacted by Genesis Credit Management by a woman whose name I dont care to remember. She supposedly ran the debt collection section for the company whose apartments I was living in. The first time we spoke she informed me of a past due balance. I informed her that the additional charge of early cancellation should be waived per their rental agreement because I gave them advance notice that I was leaving on military orders. I had turned in a letter with the appropriate verbiage as it was explained to me by office staff. The letter was turned in through the mail slot on the office door. I explained this to the woman who called me, and that I would speak with her after I have talked to military jag. She responded with Their not going to help you, they dont help with these things. I thanked her for her advice and told her I would still be talking to them. 

While at XXXX and XXXX School, I left my personal phone with my uncle, she called again and he answered and told her wrong number, she replied with oh, if this is how you want to do business, watch what I do. I was informed of the conversation and told my uncle to block her. A week later she reported the debt to the credit bureau. 

If this is the attitude of a person who threatens and lashes out at service members and discourages them from taking the proper legal means to protect our rights then she should not be working where she does. Having a bad attitude and then deciding to report on someones credit is egregious and she needs a reality check.
Product: Debt collection

On XX/XX/2024 I received a letter from Jenkins & Young, P.C dated XX/XX/2024. It Is stating an old debt from XXXX XXXX XXXX. That is no longer on my credit report Jenkins & Young, P.C. is not the original collector. I want the original copy stating where my debt is to Jenkins Young, P. C. They're relentless, pursuit and aggressive tactics have caused significant distress and anxiety in my life. Despite my repeated attempts to inform them of the invalid of the debt and request that they ceases all communication. They have continued their harassment unabated. I believe Jenkins & Young, P.C. actions are in clear violation of the FDCPA, which stimulates that debt collectors must adhere to certain standards of conduct when attempting to collect a debts.
Product: Debt collection

Auto loans or leases Total balance : {$6000.00} XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$6000.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX  Original creditor XXXX  Balance {$1400.00} Balance updated XXXX XXXX, XXXX XXXX These lenders have accessed your credit file : XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX FACTUAL DATA Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX XXXX XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXXXXXX 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 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. I want the CFPB to publish this description on consumerfinance.gov so that others can learn
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 XXXX sent me the results of an investigation into my CFPB complaints cases XXXX and XXXX. In the letter detailing the results, it stated that payments were made on various dates and one XXXX payment was returned. It also stated that the correction to my credit reports for a 30 day late payment could not be adjusted/removed UNLESS a banking error had occurred. THIS is exactly what happened. A payroll direct deposit was suppose to be automatically made XXXX. And it was, but the bank didnt deduct the payment due to it being a new direct deposit account. The funds were in the account. The bank acknowledges that pending payment should have been processed. No insufficient funds fee was charged to me. Also my overdraft protection should have covered the amount. So there was actually two banking errors. 
The returned item should not have been. This was a banking error and falls within the parameters set by XXXX XXXX  that would reverse the 30 day late payment. XXXX needs to abide by its own statements. Their investigation results letter is enclosed. Proof of banking error is also enclosed.
Product: Debt collection

Contacted Mariner Finance to resolve the amount and was advised to contact the collection agency XXXX XXXX XXXX XXXX. Contacted XXXX XXXX XXXX to resolve balance owed from Mariner Finance in XX/XX/2021. 

During my conversation with Agent, we agreed on a settlement payment to clear account for deletion on Credit Report. Payment was made and resolved on XX/XX/2021 and I was advised that details would be submitted to Credit Bureaus to have account removed from credit report. Report was sent to credit bureaus on XX/XX/2021. 

I called Credit Bureaus to request account from Mariner Finance to be removed as account was paid and no longer owed. Credit Bureaus agents advised that account can not be removed as it shows its still owed to Mariner. I submitted supporting documents to advise of payment for deletion and items still remain. 

The items should be removed as the debit is no longer owed and agreement was a pay for deletion.
Product: Credit reporting or other personal consumer reports

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.