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

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX specifically debt bondagewhich falls under trafficking as defined by the XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity. 
Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage. 
According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from human trafficking within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information. 
I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request.

I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX
Product: Credit card

Prior to XX/XX/year>, I attempted multiple times to close by Best Buy Credit Card account. When I was charged with a late fee for a {$6.00} balance in that XXXX, I was super confused because I had already paid off my balances and chose the option to deactivate the account. I found out later that it had not closed, and I was given a minimum balance. I was not aware of that minimum balance and ended up missing the payment when on vacation. My credit dropped over XXXX points from this.
Product: Debt collection

Easy Money XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, I got an Pay Day Loan at Easy Money, I ended up in the hospital, and I was not able to pay my balance, of XXXX. I received an phone call stated that if I do n't pay {$300.00} I will be getting arrested, and have to pay court fees. 

The company name that called me said they are working for Easy Money, was collection, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA. XXXX XXXX Office Phone Number, and Fax Number : XXXX. 

Once the money was paid, I did not get an paid in full receipt, and when I called back to Easy Money XXXX XXXX XXXX XXXX, XXXX, TN XXXX. 
Company Phone ( XXXX ) XXXX. 

Easy Money does not have an account number showing that this account was paid in full. When I called to confirm payment, the person answering the phone kept hanging up the phone on me. 
It 's not showing on my credit report that it 's paid. After I made payment with pre-credit card XXXX last 4 numbers on credit card. payment XXXX. 
The payment was done over the phone, they refused to take payment by mail. 

I paid with pre-paid credit card, and I did not receive an statement to show that this money was paid to Easy Money for Pay Day Loan. 

I request assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian is reporting debt that has already been removed due to timeline and validation of debt. 

This is against FCRA that a creditor cant keep asking debt that was never validated in time and then placing back on my credit. 

XXXX removed this debt and follow suit actions were previously followed by XXXX and Experian now debt is back on my credit illegally. 

XXXX XXXX XXXX {$4700.00}
Product: Money transfer, virtual currency, or money service

Fraud activity with my cards on account my information & my account. Cash app just closed my account with no reason to my knowledge. The fraudulent activity was not done by me. Also the issue was a reported issue then my account closed
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX. XXXX XXXX - XXXX My home address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX These addresses on my report are incorrect ; please delete them : XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX. XXXX XXXX XXXX, XXXX, NY, XXXX
Product: Credit card or prepaid card

I was offered a Credit Card with no interest until XXXX of 2017. I was charged interest starting in XXXX of 2017. When I realized in XXXX that they were now charging me interest, I immediately paid off the card and asked for them to remove the interest charges. I 'm XXXX years old, an invalid, and my sole source of income is from Social Security. I got their card because there was no interest until XXXX of 2017.  Now they wo n't cooperate and remove the bogus interest charges. I closed the account and I plan on paying NOTHING more to Citibank. I 'm in contact with the Area On Aging 's lawyer and I am NOT paying those BOGUS interest charges.
Product: Credit card

I file a credit card dispute with Capital One Credit card. I disputed a charge of {$580.00} charged to my credit card on XXXX/XXXX/2016 from an XXXX marriage agency. I told them I never received any service or merchandise from this marriage agency after my credit card was charged that amount. I told Capital One that I discovered this marriage agency operated from XXXX was a scam after I did a XXXX search and found out multiple complaints on the internet that this marriage agency was a scam. I sent in a letter along with evidence that I did not receive service or merchandise from this agency and I assert my rights under Fair Credit Billing Act. Capital One responded and said they received a " printout '' of this agency 's website stating that I agreed the charge was non-refundable. I wrote back to Capital One stating that I have never seen this website nor have any knowledge my charge was non-refundable. I asked Capital One to provide me proof from this agency that I signed any document agreeing to this false claim or that proof that I have seen the non-refundable policy website. I again assert my right under Fair Credit Billing Act that they have to do a thorough investigation and provided me proof I received any merchandise or service, which I never did. Capital One wrote back and said they charged back the {$580.00} to my credit card because they did not get a response from me. I sent them a " claims and Defenses '' letter again assert my rights under 12 CFR Part 1026 ( regulation Z ) and the Fair Credit Billing Act that this is a billing error and they fail to follow the laws to investigate my dispute and demand this charge to be removed from my account or labelled it as " dispute ''. They refuse and start collection process on me and threaten me they will ruin my credit if I do n't pay. I told them I can not pay them any money because I never received the merchandise or service. This whole thing is a scam. I demand to talk to their legal department and ask them to write me a letter stating their legal position. They refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may Concern, Your company is in clear violation of Federal Law. According to 15 U.S.C 1681a ( d ) ( 2 ) ( i ) A consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report. My consumer report containing credit Utilization and a credit balance are transactions and experiences. Delete the credit Utilization and a credit balance from the follow accounts immediately. 
XXXX XXXX XXXX XXXX XXXX XXXXL Failure to do so within 10 days will result in me seeking relief to be granted in my favor against your company and damages sustained by me in the amount of {$10000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately. 
XXXXXXXX XXXX XXXXXXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX Balance : {$900.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$870.00} ; XXXX XXXXXXXXBalance : {$2100.00} ; XXXX XXXX  Bankruptcy : Discharged Date XXXX Reference # : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$800.00} ; XXXX XXXX  Balance : {$430.00} XXXX XXXX XXXX XXXXXXXX Balance : {$190.00} ; XXXX XXXX Balance : {$910.00} ; XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX XXXXalance : {$160.00} XXXX XXXX XXXX XXXX  Balance : {$140.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Vehicle shopping and was already financed through my bank, informed the dealerships that I was browsing that I already had an approved check through my bank and no financing needed to be done due to being financed through my bank. I did not give permission for my credit to be ran causing me to have an overwhelming amount of hard inquiries which has affected my credit. Please see the enclosed listings of hard inquires as follows : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have no idea what this debt is about. The spelling of my last name is incorrect and the address listed is not mine. I have never lived at this address and my name should not be associated with it. I can provide proof of name and residency if needed. 
I am disputing this debt and have tried to do so, but the company is unwilling to do anything other than collect money. 
I looked up XXXX XXXX, which seems to be part of XXXX. I have a XXXX  account, at my address that is in current status and the correct spelling of my name.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

I have found several items on my credit reports that are being reported incorrectly and includes information that does not belong to me. I have tried contacting the bureaus and disputing this information several times to no avail and as this information is damaging my financial reputation I am now reaching out for help in this matter as the bureaus employ several different tactics to ensure that you can not reach anyone for help within a reasonable amount of time and because they continue to provide automated responses to complaints instead of verifying information as requested.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I purchased a livingroom set and tv stand for {$1600.00}. I applied for credit at that time for an agreement of {$70.00} weekly. This was a loan through Acima. Early pay off of the loan meant I would avoid any interest in extra interest. I entered this agreement knowing that we would have the money in time to pay this off as soon as we had money from our closing. We closed on our home in XXXX RI the week of XXXX XXXX. I then received a wire for the proceeds within a few days of closing. The date I called on XX/XX/XXXX to request pay off amount through Acima Credit. I  authorized payment in full from my XXXX XXXX account {$1000.00} which is what I was quoted as being my balance. This money withdrew from my account on XX/XX/XXXX. This was the last I had dealt with this obligation and understood my loan to be satisfied. 

On or about XX/XX/XXXX ( YES XXXX ) about 3 months later, I received a call from the collection department at Acima Credit. They stated my account was in arrears over {$1000.00}! I question the person on the other end thinking someone had stolen my identity and that I was dealing with an internet scam of some sort. I was very very confused and hurried up and changed passwords. This person stated that I had missed one of the Payments of {$70.00} and that the loan after I paid the {$1000.00} didn't satisfy my loan obligation and that due to their cycle and accrued interest I know owed this astronomical amount of money. I had the weekly payments being paid from another account out of state and when I had called up for the pay off I assumed that the amount she was giving me was including all payments. But from the discussions, I have been explained to that I am being held responsible for a line of credit in which I didn't take hold of. IN my mind I have satisfied the loan. If the representative didn't give me the correct amount of the pay off how is that my responsibility? I will be more than glad to pay the {$70.00} that was not disclosed. however, ACIMA wants over {$1200.00} or my furniture to be returned. I am concerned that this will affect my credit and I am nervous wreck they are going to seek legal action. Please help. I have requested help from the supervisor " XXXX '' that was not agreeable and did not have the capacity to pull phone calls and or take corrective action to reverse the charges I had incurred and let me just pay what I originally owed. The way Acima wants me to pay is that I pay almost double for the furniture I originally bought.
Product: Debt collection

Someone filed my 2021 taxes and the state of Ohio and IRS had me send Idenity fraud paper to them. I did not know my identity was stolen til XX/XX/2021 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account number XXXX. XXXX XXXX account number XXXX. XXXX XXXX account number XXXX. XXXX XXXX account number XXXX 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. My disputes to reinvestigate these accounts came back verified without proper proof of verification. I sent validation letter to these collectors and they failed to respond on my requests to send me a proof that they have the authorize to collect the allege debt. attached copy of the validation letters. XXXX tracking number XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CHRYSLERCAP XXXX Balance : {$10000.00} Date Opened : XX/XX/2017. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX specifically debXXXX XXXXwhich falls under XXXX  as defined by the XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity.Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX.According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from human trafficking within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information. I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX
Product: Debt collection

Being insured by XXXX when I had to visit the ER at XXXX XXXX XXXX in XXXX XXXX, I had a {$30.00} deductible/co-payment and should not be charged or billed over that amount which was paid. I have confirmed these facts with XXXX, XXXX Employee ID # XXXX, and their phone number is XXXX for confirmation. 

Both XXXX XXXX and Grant & Weber collections have been notified, yet they continue to falsely report the inaccurate information on my credit reports that I owe more money than my deductible.
Product: Bank account or service

I have a basic checking account with M & T bank, I went to XXXX to pick up some things using my M & T debit card. My balance was XXXX dollars short unbeknownst to me at the time. Nonetheless, in stead of declining my transaction as it should have, it went through despite me explicitly refusing the overdraft feature for my account. I was then assessed {$38.00} for the overdraft fee and an additional {$38.00} for the account being deficient for 5 days. I 've noticed M & T does n't post monies to my account when making deposits on Friday prior to XXXX or XXXX. The entire weekend my deposits within these time frames sit idle and when Monday comes around they post outstanding items first as opposed to deposits to charge fees on accounts with pending deposits that have yet to post with outstanding check or debit card purchases. This has happened to me twice now. I 'm amending case # XXXX and requesting that all monies taken in the name of fees {$80.00} in this instance be returned immediately.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 


XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXX The following inquiries were not and should not be reporting. 


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 accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I made my payments on time for the billing cycle, which was due on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However, a late payment of XXXX, XXXX, XXXX and XXXX  days was incorrectly reported. 
I have provided evidence of this timely payment, including bank statements showing that the payment was processed well before the due date. 
There appears to have been a clerical or administrative error that resulted in the late payment being reported across all three bureaus, despite no actual delinquency on the account. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

requested proof of ownership of debt on XX/XX/year> that was not provided