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

I am writing to formally dispute an account that appears on my credit report, which I believe is the result of identity theft. The account in question is listed as XXXX XXXX, with the following details : Account Name : XXXXXXXX XXXX  Account Number : XXXX Balance : {$0.00} I have no knowledge of this account, and I am certain that it does not belong to me. I believe it is the result of identity theft, and as such, I am requesting that the account be removed from my credit report. Additionally, I have noticed several other inquiries listed on my credit report that I do not recognize, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, the following addresses are incorrectly reported on my credit report and do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have attached my FTC Identity Theft Affidavit, which outlines the fraudulent activity and details the accounts that were opened in my name without my consent. I request the following : 1. Immediate Removal of the XXXX XXXX account and any other fraudulent accounts from my credit report. XXXX. Removal of any other information reported from my FTC Identity Theft Affidavit ( including addresses, accounts, and other details ) that do not belong to me. XXXX. Confirmation of the removal of these accounts from my credit file, along with an updated copy of my credit report showing the corrections.
Product: Credit card or prepaid card

Back in XXXX of 2020 when the pandemic had me out of work for almost a year and half, I missed one payment with my lender, and it was reported during that time. I need help getting that missed payment removed from my credit report. This pandemic has beaten me down financially I have no savings at this point Im trying my best to correct my financial status and my credit is vital in that aspect. I would really appreciate some help with this issue. My payments have always been on time besides this one unfortunate incident. Ive still remained a loyal customer to this lender despite all that has occurred.
Product: Checking or savings account

Received statement from XXXXXXXX XXXX  indicating someone was trying to purchase an item for XXXX, not authorized. So I called XXXX and was told to call customer service number on the back of my card and asked for the fraud dept. I was connected to a person XXXX XXXX in the fraud dept., he said someone was trying to get money out of my saving acc. and we have to take the money out so they can't get it. So he advised a money transfer of XXXX to a company called XXXX XXXX XXXX in XXXX, NY so my bank did a transfer to that company. The man called XXXX XXXX from XXXX XXXX fraud dept. said he was making a folder and we would get this money back when things cool down. Then we learned the whole thing was a scam and asked the bank to do a wire recall to stop the transaction. The bank said it could be done. yesterday I received a letter from XXXX XXXX saying the case was closed as the holding bank would not return the money. Now I learned the holding bank may have been Capital One in the NY area. Hope you can help
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and seen that there was incorrect and fraudulent information on my report. I contacted these companies to have them removed and here are the companies with corresponding information ; XXXX XXXX XXXX {$350.00}, XXXX XXXX XXXX XXXX {$99.00}, XXXX XXXXXXXX. XXXX {$2500.00}, XXXX XXXX XXXX XXXX XXXX {$3700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting derogatory information without my permission. 

I have not given you written instruction/permission to report the adverse account status of Derogatory, Collection/Charge Off, Charged off as bad debt Profit and loss-write-off. Also, remove all late payment, and charge off information from payment history. In accordance with U.S.C Title 15 1681b. ( a ) ( 2 ) I very respectfully place Equifax on notice that your agency may not furnish any adverse status information pertaining to XXXX XXXXXXXX XXXX  # XXXX pursuant to U.S.C Title 15 1681c. 

I very respectfully Equifax on notice that status information of Derogatory, Collection/Charge Off, Charged off as bad debt Profit and loss-write-off, pertaining to XXXX XXXX XXXX XXXX XXXX  is in fact adverse pursuant to U.S.C Title 15 1681s2 ( G ) ( i ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX OPENED XXXX CHARGE-OFF XXXX DUE $ XXXX THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT XXXX ) XXXX  XXXX : OPENED XXXX CHARGE-OFF XXXX PAST DUE $ XXXX THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT XXXX ) XXXX XXXX  XXXX : OPENED XXXX CHARGE-OFF XXXX PAST DUE $ XXXX THIS IS NOT MY ACCOUNT XXXX XXXX XXXX THEFT XXXX ) XXXX XXXX XXXX OPENED XXXX CHARGE-OFF XXXX THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX  : OPENED XXXX XXXX XXXX PAST DUE $ XXXX THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT XXXX ) XXXX XXXX : OPENED XXXX XXXX PAST DUE {$7700.00} THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT XXXX ) XXXX XXXX XXXX : OPENED XXXX CLOSED XXXX PAST DUE $ XXXX THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT XXXX ) XXXX XXXX XXXX : OPENED XXXX CLOSED XXXX PAST DUE $ XXXX THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT
Product: Checking or savings account

From XXXX XX/XX/2021 Money being paid from my checking to XXXX  XXXX  for a game online, I ne ver authorized.

I didn't realize I was being charged d Rite away and ow I have thoughsands missing and being denied my money back. I've had disputes but no luck when trying ow my account is negative and I'm afraid to use it due to these charges I need help im not good with all these online programs and want someone to help
Product: Debt collection

XXXX   XXXX   XXXX ,  XXXX   XXXX  and  XXXX   XXXX   XXXX  ( AFNI ) have put items on my credit report which are not mine and have refused to answer any inquiries about these accounts. Neither, Have never provided any documentations and I know for certain these accounts are not mine. Please help because I have sent ove r 6 le tters over the last year and no one helps or assists. They refuse to remove accounts which are not mine and violated my rights
Product: Credit card

Account was opened fraudulently I have not made no payments to XXXX XXXXXXXX This is the second time an account has been opened without my permission They did not provide no information other than Im assuming information used on the application process This account or card is not mine and I do not know who was making payment or what this account was being used for! 

They responded with little information or no information as to who opened this account If someone was making payments it has to be linked to a card That fraud department posted a false investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A NATURAL PERSON, I AM A LIVING HUMAN BEING, I HAVE RIGHTS UNDER 15 USC 1681 EQUIFAX IF GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVED BECAUSE ACCORDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE EQUIFAX WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ACCOUNT NAME : FXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX, XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX Inquiry from XX/XX/2018 I have not authorized these companies to run nor check my credit and it has cost me too have my score drop tremendously, I need to have these removed immediately off my credit so I am able to move forward and looking forward towards purchasing a new home but I can't due to my score that is being affected because of these hard inquiries.
Product: Checking or savings account

The XX/XX/XXXX, Truist/SunTrust Bank ( STB ) denial letter has now added a new requirement : file a report with law enforcement. The XXXX previous STB letters ( XX/XX/XXXX and XX/XX/XXXX ) only stated to call them for any documents that were used in decisioning your claimwhich we did on XXXX previous occasions. On XXXX XX/XX/XXXX, XXXX we file an XXXX Police Department Identity Theft report ( attached ). So we are again requesting the any documentation that was stated in their letters to be provided to us. 

References : STB XXXX XXXX, and CFPB Case XXXX, and XXXX Police Department report XXXX XXXX XXXX
Product: Debt collection

I received a bill from XX/XX/2021, from Carilion, XXXX XXXX XXXX. The bill says I owe {$1200.00}, for an unpaid " XXXX XXXX ', filling. I contacted them last XXXX, after receiving the XXXX year old bill, letting them know Ive never had a workers comp file. That they needed to file it properly under my fully covered, XXXX, that I had then and have still, now. The girl I spoke with said she would re-file it, but instead, Im receiving a collection bill from XXXX XXXX
Product: Credit reporting or other personal consumer reports

Heres a CFPB complaint draft for XXXX XXXX XXXX : -- - **Subject : ** Disputed Collection Reporting Failure to Validate Debt Account Details : Creditor : Midland Credit Management Account Number : 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 XXXXI , am filing a complaint regarding Midland Credit Managements handling of a disputed collection account. Despite mailing a dispute and debt validation request to Midland Credit Management on XX/XX/XXXX, I have not received a response. The company has reported a balance of {$750.00} on behalf of the original creditor, XXXX XXXX XXXX XXXXXXXX, and states that the account was placed in collections on XX/XX/XXXX. The last verification of this account occurred on XX/XX/XXXX, but Midland Credit Management has not provided any documentation to validate the debt, which is required under the Fair Debt Collection Practices Act. 

The current status of " Account information disputed by consumer '' does not reflect any action by Midland Credit Management to investigate or verify the debt despite my timely dispute. I request that this account be thoroughly investigated, and that Midland Credit Management either provides complete validation or promptly removes the inaccurate reporting from my credit file.
Product: Credit reporting or other personal consumer reports

I call XXXX I even set up online account trying to dispute, this fraudulent inquiries that I didn't do continue XXXX & XXXX of same name company I call I was told get credit bureaus correct all 3 credit bureaus TransUnion XXXX XXXX. I'm tried of trying correct my credit by my self it got be removed I don't go out here trying get credit back to back with same company inquiries of my credit how can I get new social security number. I can't do this for ever this is stressful.
Product: Credit reporting or other personal consumer reports

I received my credit report on XX/XX/XXXXand notice there were accounts that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. 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. 
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 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. I also asked for the original contract to be provided and it was not.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was alarmed to discover multiple errors that should never have been there. These are not minor mistakes ; they are actively damaging my financial reputation and creating unnecessary obstacles. I will not allow misinformation to dictate my creditworthiness and demand an immediate and thorough investigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed items can not be substantiated with solid evidence, they must be removed immediately. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution. 

Also Known As : 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 XXXXXX/XX/XXXX
Product: Checking or savings account

I opened a Synchrony savings account on XXXX and did an ACH transfer from XXXX  XXXX XXXX, my sisters ( XXXX XXXX ) account into my account for {$35000.00}. The bank has stated since neither of us are on each others account this was flagged as fraud and they can not release my money back to me because it is not my money. Ive also sent them documentation that XXXX account is legitimate. After that initial transfer we sent a wire for {$4000.00} extra. Synchrony supposedly put a restriction on my account in XXXX, but still continue to let me deposit money and accrue interest until XXXX. In XXXX they closed my account with {$39000.00} and I have not been able to get my money back. XXXX has said their normal process is to return the funds within 3 to 5 business days, but they have not done so and can not tell me why or what process to take to get my funds. I have been told numerous different solutions without any of them resulting in my money being provided back to me. XXXX XXXXXXXX XXXX has said their hands are tied because I initiated the ACH transfer from Synchrony. I contact each bank everyday and have gotten no further on the process. I have also contacted the Office of the CEO and they have also not responded as of yet. It has been over a month since they stole my money.
Product: Debt collection

In XX/XX/XXXX, I purchased a vehicle with a loan through Santander Consumer USA. The original amount of the loan was {$16000.00}. I was unable to continue making payments after an unfortunate life event in XX/XX/XXXX. At that point, I requested that the car be voluntarily repossessed from Santander Consumer USA. The car was repossessed sometime between XX/XX/XXXX and XX/XX/XXXX. I received phone calls from Santander Consumer USA advising me that the loan would default and that I would be put into collections and have my credit damaged if I did not pay for the car. I informed them at that point I would not be able to make any payments. I received a notice by mail on XX/XX/XXXX detailing Santander Consumer USAs plans to sell the property ( vehicle ). This notice mentioned that the vehicle would be sold at a private sale sometime after XX/XX/XXXX. On XX/XX/XXXX, I received another notice from Santander Consumer USA that was titled Explanation of Calculation of Surplus or Deficiency. In this notice, it states that the vehicle sale price was {$8200.00} according to Santander Consumer USAs records. I have not received an actual bill of sale to support this number. The balance on this notice was {$9900.00}. The basis of my reaching out to Consumer Financial Protection Bureau is as follows : Balances reflecting on my credit reports have fluctuated and varied in amounts Past Due {$6900.00} Charge Off Amount {$7900.00} Balance {$8200.00} Balance amount reflecting in automated phone system through Santander Consumer USA {$7300.00} Bill of Sale for sale of vehicle was not sent nor communicated in any way to me. Through verbal communication with a phone representative with Santander Consumer USA, was told that my account was charged off XX/XX/XXXX. Also was told that the vehicle was sold on XX/XX/XXXX. Status showing as updated on my XXXX Credit Report as of XX/XX/XXXX as a Closed, Charge-Off Account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I sent a dispute letter on inaccurate and unknown accounts on my credit report. It's been over 60 days and XXXX XXXX and Experian did not respond. I feel like I'm being ignored of my disputes. According to 611 ( a ) says failure to investigate these items 30 days they should delete immediately. It has been over 60 days. I demand these accounts to be deleted or will file for litigation due to the anxiety you caused me. My information was impacted by the XXXX  breach and may have gotten in the hands of the wrong person
Product: Credit card or prepaid card

Had my account for a few years now and my account was great standing paid never late no issues plus I was receiving a lot of reward points all the sudden the company dropped my limit put my account overnight then closed it they said they pulled a credit report and lowered my account limit. First off they had no right or permission pulling credit this is illegal pulling reports without permission this all happened sudden XXXX I had over XXXX dollars in rewards and as they closed it I had over XXXX accrued for next year and now because they illegally forced my account closed I loose all that I 100 percent believe because of how it went and when I called them how they acted that they did this so they didn't have to keep paying out high reward points I know XXXX j had to pay over XXXX XXXX dollars for taking reward points from people and now this card company is doing to same thing with people that continuesly get high rewards this is fraud and highly illegal Citi card needs to be held liable and people have a right to know how they hurt people and break the law
Product: Payday loan

On XXXX/XXXX/15 I borrowed {$3000.00} from the Cash Store # XXXX. 
On XXXX/XXXX/15 I went to payoff the outstanding balance with a cashier 's check but the representatives at the store would not take my payment stating that a an ACH had been processed on the same day for {$730.00} to my Bank account which they had not received confirmation if it was paid hence unable to give me a payoff quote. I went back to the store again on Saturday XXXX and Monday XXXX and they still would not take my payment. As result I incurred an additional {$180.00} in finance charges. Furthermore, I find it very deceptive to show an APR of 9.75 % on the promissory note yet there is an CAB fee which is assessed as a finance charge which increases APR to the unconscionable rate of 581.72 %. It cost {$2500.00} to borrow {$3000.00} for 43 days or so - outright exploitation!
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on My Credit Report I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by { TransUnion Consumer Solutions }. I believe these late payments are erroneous and do not accurately reflect my payment history.

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements Account Number : XXXX XXXXXXXX XXXX XXXX late payment in question is reported by TransUnion Consumer Solutions for the period of Late Payment Date XXXX I believe this information is incorrect and does not comply with the requirements outlined in the Truth in Lending Act ( TILA ), specifically section 1637 ( b ) of Title 15, which mandates that creditors provide accurate and complete information regarding the terms of credit, including payment history.

Furthermore, according to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, furnishers of information must report accurate details. The late payment reported does not reflect my true payment history, and I request that you investigate this matter in accordance with 15 U.S. Code 1681i.
Product: Credit card or prepaid card

while ordering a item from XXXX the rep total me that i was accepted for a XXXX credit card would i like to put the item on the card. Since then I have been charged excessive " flex pay '' payments and gross interest and compound interest charges. 

in XXXX of this year I returned numerous items to XXXX via XXXX. I have not been given full refund of my payments and interest paid I haven continued being charged for returned items plus interest. Although i may monthly required payments and have not been given full credit for returned items. I fell I have for exceeded the Flex Payment advertised. At this rate I will be paying for items that were advertised as four or five payments for years. 

I have made several calls to point of exhaustion to try and resolve these numerous discrepancies. Each time being told " it's now correct '' and my next bill will reflect the corrections. However with my monthly payments and returns my monthly statement continue to increase. 

This predatory practice and reporting of incorrect charges to the credit bureau in my opinion is in violation of the Fair Credit Act.