23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I do not owe XXXX anything I returned the equipment and got a confirmation number.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple accounts on my credit report that do not belong to me I have been disputing these with the bureaus for 4 months now but no one is getting back to me or replying back to my letters and calls. I have not applied or used or know of these accounts I need help to remove them from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Product: Debt collection

I recently called and submitted a letter to XXXX XXXX XXXX asking them to validate a debt. I never received information on the stated amount or that it be reported on my credit report. I asked them to provide the following information : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in Georgia ; and 7. Your license numbers and Registered Agent finally I ask XXXX XXXX XXXX to remove the collection from my credit report until the debt is validated.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX- {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$6700.00}
Product: Checking or savings account

I requested hsbc to close my account. now i would like to dispute some item on it. every time i'm calling, they said a specialist will call me, no one ever call.
Product: Debt collection

I received a call from phone number XXXX on XX/XX/XXXX at XXXX CST. I did not answer. The person calling left me a voicemail stating his name was XXXX XXXX with XXXX XXXX XXXXXXXX and that he was calling about a pending judgment against me that was going to be filed with my county court clerk. 

I called back at XXXX and XXXX immediately answered. He tried to verify me by both my married name and my maiden name. I have not gone by my married name since XXXX. I asked him what this was concerning and he proceeded to tell me that there was a judgment against me for a credit card. I told him that I have never had a credit card with the company he mentioned. 

He proceeded to tell me that I did have a credit card with that company. I told him I did not and that I wanted proof that I owed this debt. He said he didn't have to prove anything to me and that all they had to do was prove it to the courts. I told him ( again ) that I wanted him to provide me with proof that I owed this debt and he said he would provide it to my lawyer. He then asked me if I had a lawyer. I told him no I did not have a lawyer because I believed XXXX was making false and bogus claims. He told me that he hoped I was right because I was going to get sued. I asked him when the card was supposedly opened and he said he didn't know. He again said that the county court clerk was going to get the judgment today ( XX/XX/XXXX ). I told him I would call the credit card company directly to find out what the debt was about to which he responded " good luck '' and hung up. 

I do not owe this debt. I have never had a card with the company he was referencing. When I asked for proof, I was denied. I looked up XXXX XXXX  XXXX. They have a website : https : /XXXX/ On the website there is no address for them. No description of who they are. 

I HAVE NEVER HAD A CREDIT CARD WITH THE COMPANY MENTIONED AND I DO NOT KNOW WHY I WAS THREATENED IN THE MANNER THAT XXXX XXXX WITH XXXX XXXX XXXX THREATENED ME. I WAS TRYING TO BE FAIR AND HONEST BY ASKING FOR MORE INFORMATION ABOUT THIS DEBT. I WAS REFUSED ANY TYPE OF INFORMATION, WRITTEN OR VERBALLY. HE DID NOT HAVE ANY INFORMATION TO PROVIDE ME. HE COULD NOT TELL ME WHEN THIS CARD WAS SUPPOSEDLY OPENED. AND HE WOULD NOT PROVIDE WRITTEN PROOF. HE THREATENED ME. ALSO, DEBT COLLECTORS ALWAYS STATE IN THEIR PHONE CALL " This is an attempt to collect a debt, and any information obtained will be used for that purpose. '' MINI-MIRANDA. THIS WAS NEVER STATED IN OUR COMMUNICATION.
Product: Vehicle loan or lease

XX/XX/22 XXXX XXXX XXXX  I received email from Toyota Financial Services with a verification code and instructions to call them at XXXX if I did not request the code. I called them and reached a rep who said they have no record of this. She submitted a request to have it looked into and transferred me to fraud dept. I was put on hold and i hung up after so long. 

Called again, got another rep who was not friendly and tried to transfer me to Fraud dept but she disconnected the call in process. 

Called again and asked for this to be escalated and to speak with manager and the request to do so was declined. Rep said she would put in request to IT department to have this looked into. 

XXXX XXXX XXXX and spoke with rep. She contacted Toyota Finance and then provided me with same information that they did. Said she will submit request to have looked into. 

I am frustrated that Toyota company sent me this verification code email and has no record of it and refused to connect me to a manager or to escalate. 

For the record, this comes on the heels of my having a payoff request sent from Toyota Finance to my credit union ( yesterday ) as I am working to refinance this loan with the credit union. I contacted credit union to ask if they may have contacted Toyota to access my account and they responded saying that they did not and never would do so. 

This protocol-based, merry-go-round lack of accountability is exactly why consumers have problems resolving identity theft issues. The companies themselves use protocols that are designed to get the case closed asap and not necessarily resolved for the consumer.
Product: Credit reporting or other personal consumer reports

Hello, I am contacting the CFPB because Im having a problem with Ava finance I will label them out in exact order of how this happened 1. I realized by looking at my consumer reports, that they were not reporting correctly to all XXXX agencies 2. I contacted and spoke with a man named XXXX from customer service through email and explained the situation and that they were not doing their jobs 3. Now magically my auto payment was not taken out even though it is taken out every month for over a year 4. So I go on my app and pay it manually so that I dont occur any late payments you know like a person should do 5. Payment says being processed on their app 6. Now theyre emailing me repeatedly saying my payment is XXXX days late even though I paid it manually and it says processing on their app 7. Now I am emailing them to fix this problem theyre main support email and the man XXXX again and my husband has called for me and now no one can help us So heres why I am contacting you to do the job our great government has given you to uphold I have perfect credit and if they do something to tarnish my credit they themselves will be the target of legal action So I am asking you to have them fix their wrong doings Now that I have contacted you about this situation you are just as liable as they are seeing as though it is your job to govern these companies Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX are currently reporting negative information as a violation to federal laws. The U.S. Bankruptcy Court for the Northern District of Georgia stated that they did not provide information to XXXX or XXXX and neither did I XXXX XXXX provide information or give them permission to report information. I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract. Until such time as you provide verification of the debt, I am exercising my right to cease and desist all reporting activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all reporting activities on this debt. Failure to comply with this request will result in further legal action.
Product: Debt collection

I am a Victim of identity theft and this is my official complaint statement of crime. These reporting items are not mine and need to be removed and blocked from my report. I have filed an official complaint with the creditors. Other legal and government agencies have been notified under the FCFIA and the fraud needs to be removed immediately, or further legal action against the credit bureaus. Many thanks for considering my request.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX are violating my rights pursuant to 15 USC 1681s-2 ( a ) ( 1 ) ( A ) ; 1681s-2 ( 6 ) ( B ) ; and 1681c-2. I am a victim of identity theft, which occurred at my current address by someone associated with my address, in my fathers name XXXX XXXX, in which i am his XXXX. Namely, regarding a credit card, XXXX  XXXX XXXX account # XXXX in amount of {$4300.00}. I noticed on XXXX, Experian, and XXXX 's credit reports about me, this inaccuracy listed. I filed an identity theft report, FTC # XXXX. I provided the reporting agencies proof of my identity ; a copy of my FTC identity theft report ; identity of the inaccurate information listed on my report ; and a statement from myself that the information listed is not information relating to any transaction by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a copy of my updated and correct credit report since several things have changed and I need to confirm the corrections were made. Equifax has denied my request.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have filed the correct paperwork according to the FCRA. The FTC report is not being field correctly and attached to my disputes. I am not getting copies of the verification process. The reps on the phone do not speak English correctly and do not do what they are supposed to do.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I just recently looked at my Experian credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. 

XXXX. [ XXXX XXXX XXXX XXXX ] This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 2. [ XXXX XXXX XXXX XXXX ] This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 3. [ XXXX XXXX XXXX XXXX ] This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 4. [ XXXX XXXX XXXX ] This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 5. [ XXXX XXXX. XXXX ] This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 6. [ XXXX XXXX XXXX fin XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. [ XXXX XXXX XXXX ] This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 8. [ XXXX XXXX XXXX ] This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 9. [ XXXX XXXX XXXX fin. XXXX ] This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act Bank XXXX XXXX account # XXXX and XXXX XXXX Bank account # XXXX, have violated my rights. 

15 USC 1681 Section 602 state I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Checking or savings account

Hi, My name is XXXX and I have filed multiple unsuccessful disputes with Chime. On XXXX, XXXX 2023 my account was fraudulently access from an unknown location. Once I receive the emails stating my phone never had been changed as well as someone logged in. I immediately called Chime. At that point, I was informed a transaction of {$2500.00} was made to someone by the name of XXXX XXXX, whom I have never done business or came in contact with. I did the necessary protocol to gain access to my account by providing my ID and additional documentation that was needed. My phone number had been changed so I had to update my email as well as my phone number with Chime. Now three disputes later, my claim in constantly being denied although it shows this transaction was not made from my device, my location, or using and my phone number. The chime claim IDs are XXXX, XXXX, and XXXX. I will also be attaching the documents I received showing my account was fraudulent accessed on that date and time of this transaction. Ive requested documents from chime to justify why my claims are being denied and I am being told my account have been accessed earlier that day, so therefore, that makes the transaction valid. Im very disappointed in Chime as a merchant because this is clearly not a valid transaction and whoever this person is must have looked into my account and saw I had funds.
Product: Credit card

I PAID OFF THE CREDIT CARD AND INTREST THE NEXT MO.LATER THEY INSIST I STILL OWE THE SAME INTREST AMOUNT ON A ZERO BALANCE! LANGUAGE BARRIER XXXX VERY BIG PROBLEM.COULDNT MAKE THEM UNDERSTAND! ..HAVE HAD THEM OVER 20 YEARS WANT IT PD! I WILL NOT BE USING THIS CARD AGAIN.AND TOLD THEM ON MY TAPED PHONE CALL I WAS GOING TO SHREAD THIS CARD.THE AMOUNT OF THE CHARGE IS SMALL.ITS THE PRINCIPLE OF IT ALL
Product: Vehicle loan or lease

Unbeknownst to me, my wife bought a truck at a used car dealer 's tent sale and when she brought it home I questioned her actions and made her understand that she could not afford the truck or the loan payments. She is a XXXX elderly person with a multitude of ailments and takes an incredible amount of prescription medications which renders her XXXX  XXXX quite XXXX. 
I do not understand how she could get a loan of this magnitude when her only income is {$1000.00} a month and the monthly payments would be {$630.00}. 
We went back to the dealer and I asked them to take the truck back and cancel the contract. The tent manager told me " She owns the truck - deal with the bank '' I contacted a local branch of the bank and they told me there as nothing they could do, if there was an alternative she could do a voluntary repossession. The legal consequences of this are quite disturbing. 
I believe this contract is voidable as she did not have the XXXX XXXX to understand what was involved here.
Product: Money transfer, virtual currency, or money service

The company is Jpay. I typically send money to inmate through their services via online method. A few weeks ago, an unathorized individual sent money via phone, using my account. During the investigation, Jpay blocked my account but did not take steps to properly secure my account from unauthorized users. Instead they blocked my account from me. I escalated the issue multiple times before it was reviewed. Then they unblocked by ability to send messages but still blocked my ability to send payments to the inmate. I am the authorized account user. They have the poorest customer treatment, poorest communication skills both verbally and written, and do not quickly resolve matters. I am still unable to send funds to my loved one. An incompetent organization.
Product: Debt collection

I was sued by Providian National. I do not know when. I talked to XXXX about this, they collected the debt. Providian says we opened a account in XX/XX/XXXX. We were in a repayment bankruptcy. We do not use credit cards. They said they tried to notify us but they were always behind on the address, although I was employed and the address was available. The case number is XXXX. Social is XXXX. They got a judgement for {$2400.00}. We did not know until they garnished his paycheck in XX/XX/XXXX. I do not believe I owed them anything and if I did, why would they wait ten years to collect. Just so the interest was XXXX XXXX dollars higher.
Product: Debt collection

This debt should have been part of the class action lawsuit against XXXX XXXX XXXX loans and this should not have gone to collections in XXXX in the amount of {$2900.00}. I live in the state of Florida and this loan was taken out prior to XX/XX/XXXX