23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year> in evening got an email from my credit card that I updated my phone number, then got few more emails stating that I changed my user ID and password, were also using a different device. I have not done any of those. Called Chase Fraud dept to notify them, it was not me and suspect fraud. Chase tried to ask questions to verify, they could not verify me. So they told me they could not discuss any further regarding my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$86000.00}, DEPT OF EDUCATIONXXXX XXXX Open Date XX/XX/XXXX Balance : {$91000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has asked several questions to confirm my identity but I have been failing them. I asked what company provides the questions and the answers. The questions they've asked me are answered correctly which makes me concerned about account opened in my name. I need access to the accounts that they are showing to ask questions. In the meantime, I froze my employment data with The Work Number but I am very concern about accounts they are asking about.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian XXXX & XXXX XXXX all report an unverified delinquent account ( XXXX XXXX XXXX charge off ) to my credit profile. i have filled mail in disputes with all three bureaus as of XXXX. i have also mailed demand to comply letters. still no response.
Product: Debt collection

In 2012 i was using XXXX account to buy items on XXXX. They unwittingly enrolled me into the program and was charged for items and fees, due to their deceptiive practices.
Product: Debt collection

I have been a victim of identity theft for the past 4 years. There have been Fraudulent Items being reported to my Credit Report.The following account GRANT & WEBER INC ( Account Number : XXXX, Original Creditor : XXXX XXXXXXXX XXXXXXXX. Date Opened : XX/XX/year>. XXXX {$1000.00}. I have never had an account with none of those companies. Cease the reporting of the fraudulent item being reporting immediately. I am not liable for this debt with XXXX XXXX XXXX and I do not have any contract with GRANT & WEBER INC. I have attached a copy of my ID and my FTC report. ( Please see attachments ).
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of Identity theft. Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!

Under, 15 U5 Code 1681b - Permissible purposes of consumer reports [ a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. 1 NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer 1 am demanding the deletion of the accounts listed immediately These accounts are XXXX XXXX and XXXX XXXX XXXX.. 
there are also inquiries that should be removed because they are unauthorized inquiries which includes XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, and XXXX.. 


Also there is an address that should be removed as well XXXX XXXX XXXX XXXX XXXX. Pa. XXXX XXXX XXXX XXXX Please remove these accounts and inquiries With kind regards Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 XXXXXX/XX/XXXX
Product: Debt collection

I would like for the I.C. SYSTEM, INC to show proof of verification that I owe them {$420.00} with ACCOUNT # XXXX. As of date, you have not provided me with a 1099c for my review and my records. I am asking that you do this now. In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to. Please provide this within 30 days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt be immediately stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

A late payment showed up on my credit report from Loan care on XX/XX/2020. We are current on our mortgage payments. I spoke with a supervisor who stated she wasn't sure why there was credit reporting done today for a XXXX payment. Do to the COVID-19 pandemic, negative credit reporting shouldn't be reported. We even sent them a screenshot of the credit reporting. They said it shouldn't have been reporting during this time. but we need to have it reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I need help understanding how XXXX  and transunion and XXXX  just allow anyone to place a collection account under the credit score model in my name after this same creditor has been removed from my account several times, i need the law that allows these companies to do so
Product: Debt collection

I pulled my credit in XXXX of XXXX, to discover a collection for bad debt placed on my credit report from XXXX XXXX with no explanation as to what it was. I filed a dispute with XXXX because the phone number for the company listed did not work : XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX and no other information was listed as to what this debt was for. I later discovered that the debt was from a timeshare in XXXX I attempted to cancel entirely in XXXX. Please note, this timeshare was supposed to be in my business name and I never gave them my social security number, only the business name. I paid almost {$10000.00} total including a {$4500.00} deposit and was never able to use the timeshare at all. They would never answer the phone and was never able to book online. When I did get someone on the phone they always told me every date I attempted to use it was booked. Because at no time did I agree to this and even was promised this would not impact my credit at all, I am filing a complaint against this collection agency for violating FCRA 15 U.S.C. 1681. This company used other means to falsely assign a debt to my credit profile which is a violation of FCRAs accuracy and verification requirements. The law states furnishers of credit information must establish procedures to ensure accuracy before reporting a debt. This is also a violation of FDCPA for misleading debt collection practices, specifically implying that I owe a debt and reporting it to credit bureaus under my name without proper authorization.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Dispute 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 CFPBs 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, credit repair services, or other personal consumer reports

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. Please delete these accounts asap. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the course of the 8 months of having a car loan through American Credit Acceptance, they have incorrectly reported my payments every month. I have done several disputes and they fix the item being disputed but change another month ( or months ) incorrectly. 

Dispute on XX/XX/XXXX was to update my XXXX payment to current as it was showing 30 days past due. XXXX was updated and XXXX was changed to 30 days past due. 

My score went down 55 points on XX/XX/XXXX because ACA then reported that I opened the loan in XX/XX/XXXX ( it was opened in XX/XX/XXXX ) was 30 days late for XX/XX/XXXX and XX/XX/XXXX and 60 days late for XX/XX/XXXX and XX/XX/XXXX ( XXXX  shouldnt have even been reported yet ) and that I had a balance of {$18000.00} ( which was {$15000.00} to much ) another dispute was done on XX/XX/XXXX. They updated everything but failed to update that my account had been closed and paid in full. 

The most recent dispute was requesting the account to show closed and paid in full, which they updated to just show me 30 days past due for the month of XXXX and XXXX. XXXX has been marked current all this time and they are now claiming I was 33 days late paying XXXX. XXXX was paid on time. 

I have not been able to get myself into another vehicle because of this inconsistent incorrect reporting over the past 3 months to my credit reports.
Product: Debt collection

Your company is attempting to collect a debt without a contract. According to 15 USC 1692a, Congressional Findings or Declaration of Purpose, you are hereby informed that as a result of your fraudulent practices, with the intention to cause harm, I have suffered mentally, emotionally, and financially. Your company falsely reported information that resulted in defamation of my character. Further, you created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity. If the debts were valid you created a false impression that I was not able to pay the alleged debts Rule/Law- Pursuant to 15 USC 1692f ; prohibits the collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. Applicability - Your company is attempting to collect a debt in the amount of {$120.00}, There is no contractual agreement between me and your company therefore your company is in violation of 15 USC 1692 ( f ) ( 1 ). Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. 

Due to your company 's actions, I was discriminated against and denied my right to extend credit. I have suffered emotional as well as financial hardship. 
I hereby grant your company the opportunity to amicably resolve the matter by way of doing the following : 1. Deletion from all consumer reports 2. Clear away any alleged balance owed 3. Pay as per the attached invoice ; {$8000.00}.

You shall be granted twenty ( 20 ) days to respond.

Rule 301. Presumptions in Civil Cases Generally - explains your duty to respond.

Rule 602. Need for Personal Knowledge - A witness may testify to a matter only if evidence is introduced sufficient to support a finding that the witness has personal knowledge of the matter.

Evidence to prove personal knowledge may consist of the witnesss own testimony. 
If there is no response to this letter within five ( 5 ) days, all legal rights shall be explored, including but not limited to, legal proceedings necessary in accordance with State and Federal laws. 
Thank you for your attention to this matter
Product: Money transfer, virtual currency, or money service

This isnt being done. The other lie is that they pay the creditors by lining me the money interest free for a year, which didnt happen and the accounts were only paid once I funded them to be paid causing delays in negotiations and payments as well as additional fees, interest, and negative remarks from creditors. Americor has reviewed the phone calls and admits they told me lies but only apologize, they refuse to rectify the situation. I came up with a compromise for them to negotiate my last account for no fee, which would be about $ XXXX. This isnt worth the damages they have done to my credit but I just wanted to be done with them. They said theyd discount those fees a couple XXXX. I told them not to bother, to just negotiate it out and Id pay in full and sue for fraud later. They have since contacted me saying they need my approval to terminate my contract with them without negotiating my last account. Ive said twice thats not what I asked for and for them to negotiate a settlement so I can pay it off. They contacted me yesterday for approval, I replied within 5 minutes saying I did not approve and they emailed me saying the cancellation was finalized. My contract says a 3 day notice to cancel from either party is required. I asked them if they actually finalized it because it doesnt show in my account as cancelled and they havent replied to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute letter to all Credit bureaus XXXX, Equifax, and XXXX  on XXXX to dispute and delete all inquiries that didnt belong to me, are closed or I didnt authorize. 

XXXX  - Closed Date XXXX XXXX- Closed date XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX - CLOSED XXXX Inquiry- XXXX XXXX XXXX XXXX I have yet to hear back or see any progress with my request. I am filing a complaint against the credit bureaus due to not complying within 30 days to my dispute request.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and as allowed under the Fair Debt Collection Privacy Act ( FDCPA ), I am requesting that you validate the alleged debt with XXXX XXXX XXXX and provide proof of proper investigation. Please provide me with a breakdown of all charges and dates of service. Additionally, reporting of this debt prior to allowing me to validate may be a violation of the Fair Credit Reporting Act ( FCRA ), which can allow me to seek damages from your collections agency. I will await the proof for 30 days, and if proof is not provided it is considered invalid and I expect XXXX XXXX XXXX to be removed from my credit report. 
All Accounts are listed below : XXXX XXXX XXXX Thank you
Product: Credit card or prepaid card

We opened a new Wells Fargo Visa card to handle all charges related to rebuilding our home following a total loss due to fire. We pay the balance due before we receive a statement because the credit limit is small compared to charges incurred during construction. We made a $ XXXX payment on XXXX. Today ( XX/XX/XXXX ) we ordered lumber and the charge was declined. After a call to Wells Fargo, we found out that the {$19000.00}. payment was on hold and would not be posted until XX/XX/XXXX. That's fraud as far as I'm concerned ... .if not theft. Our lumber was not delivered and our workers left the job.I spoke to three different departments at Wells Fargo and none could tell me why the payment was on hold. They have good funds from our bank and will NOT post the payment until XX/XX/XXXX. As I understand, there is a time limit on this anyway.
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. 

The following accounts have violated my rights : Account Name Account Number XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the information being reported on my credit report for the account listed below. This dispute is in accordance with the Fair Credit Reporting Act ( FCRA ), the Metro 2 standards, and the guidelines set by the XXXX XXXX XXXX XXXX ( XXXX ) .Account Information : Creditor Name : XXXX XXXX XXXX Number : XXXX Type : Auto LoanDate Opened : XX/XX/XXXX, XXXX Balance : $ XXXX Balance : {$15000.00} ( as of XX/XX/year> ) Status : Charged Off, {$14000.00} written off, {$15000.00} past due as of XXXX XXXX above account information is inaccurately reported for the following reasons : Inaccurate Balance Reporting : Despite the vehicle being sold at auction, the balance is not accurately reflecting this transaction. The sale of the vehicle should have been applied to reduce the outstanding balance. However, this is not being reflected in the current balance.Reinvestigation Requirement under XXXX  : According to the Metro 2 standards and the XXXX automated dispute system, I have reinvestigated this account three times, yet the information continues to be reported inaccurately. This continual misreporting indicates a failure in adhering to the required standards and protocols for accurate credit reporting.Re-Aging of Delinquency Dates : The account is being re-aged for late payments, which unlawfully extends the duration that this negative information remains on my consumer file. The Fair Credit Reporting Act mandates that late payments should only be reported for up to seven years from the original delinquency date. The consistent re-aging violates this regulation and unfairly prolongs the negative impact on my credit report.Given the above inaccuracies and violations of both Metro 2 standards and consumer protection laws, I request that you immediately delete this account from my credit report. Enclosed are copies of my credit report with the disputed account highlighted, as well as supporting documentation, including proof of the auction sale and prior dispute correspondence.
Product: Credit reporting or other personal consumer reports

I applied for a job at family dollar they did a background check when it came back it states I'm a registered XXXX XXXX.i am not! I contacted XXXX she sent me an email stating I'm nowhere in the system as a registered XXXX XXXX  also they did not hire because of what I had just did XXXX in jail for which was a closed case time served.which has nothing to do with the job I was applying.how can they discriminate against me for something I already took care of? and is over and done with.it states they can not use anything in ur background check for determining employment. But they did .and idk where or when or how that registered XXXX XXXX, not just registered XXXX XXXX  but a predator violent crime! Charge came from. I've never been charged with anything like that some one has been using my identity for a long time now since XXXX  I just saw all them charges on my XXXX account, Ive never made any of them .there is a trust account in my name that was supposed to have been given to me but my family is keeping it from me.and allowing XXXX XXXX to pretend to be me to purchase items using this account.there is also a house thst was left to me that she is living in as me.
Product: Credit card or prepaid card

Dear wise.com is a wire transfer company. 
I tryed to send payment transfer and the company ( wise.com ) canceled the payment and charge my credit card with the amount of ( {$300.00} ), I asked my bank many times and they inform that wise.com never refund this payment to you. 


Please resolve this issue because I been waiting since more than ( 60 ) days to recieve this amount back to my account. 


Visa card end with ( XXXX ) Amount ( {$300.00} ) Date of payment : XX/XX/2021 Attached company reciept. 

Thanks XXXX