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

Transunion continues to report information that can not be validated by collection agency. I've provided proof from the court for case vacated judgment/dismissal and this does not serve as enough proof that debt is not validated. 

TransUnion, after speaking with 6 agents in one day says that the verification process includes name, address, social security only. There is no information to support the debt, amount, or any supporting information to claim that collector has right to perform debt collection services for debt. 

This process has taken more than 30 days and the credit reporting agency is requiring to file yet another dispute for information that I've provided proof that the debt is not valid.
Product: Debt collection

Commonwealth Financial Systems placed a frivolous debt on my credit report in which I do not owe the company. I have never done business with this company and never even heard of this company before.

Commonwealth Financial Systems violated the Fair Debt Collection Practices Act ( FDCPA ) by placing this debt on my credit reports without even sending me a Dunning Letter! 

I have never spoken to a representative from this company nor have I received any type of correspondence from them, but they placed this frivolous debt on my credit files anyway. 

There is no contract that is binding me to this company. I have never received any sum of money nor merchandise from this company. They are unlawfully trying to collect money in which is not owed to them. 

I mailed Commonwealth Financial Systems a letter dated XX/XX/2020, for them to delete this debt from my credit file as they already violated my rights as a consumer and not in Compliance with the Metro 2 reporting systems in which they never responded.
Product: Credit card

I purchased on my Chase Visa card an unlimited private plane package from a company called XXXX. When I tried to make my first booking I was unable to get confirmation numbers. After repeated calls and emails to XXXX over the next 3 weeks, I emailed them as well as sent them a certified letter cancelling the service. This was due to the fact that they were unable to provide the service. I then disputed the charge with my credit card company Chase. I was denied, the reason being the item I purchased was non refundable. 
I then refiled with Chase private banking directly, stating the company was a fraud, had never provided service, so the dispute was for lack of service or services never received. Visa / Chase answer was denied to to Billing error, which was never my dispute. Chase said they would look into it. They then said the issue was, Visa made the determination and my dispute was with Visa. By this time I was proven correct when XXXX ceased operations and closed its doors. They just took the money and ran.. They took Millions of dollars and there is no government oversight or arrest being made to a company that steals people 's money and runs away.. 
I am out {$15000.00} plus accruing monthly interest payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several negative entries on my credit report that I believe are in violation of the Fair Credit Reporting Act. The following accounts have been reported as charged off, late payment or collection accounts : XXXX XXXX charge off account XXXX XXXXXXXX XXXX off account XXXX XXXXXXXX late payment account XXXX XXXX XXXXXXXX charge off account XXXX  XXXX charge off account XXXX XXXXXXXX charge off account XXXX XXXX  XXXX collection account XXXX XXXXXXXX XXXX XXXXXXXX collection account XXXX XXXXXXXX collection account I believe that these entries are inaccurate and unfair, and I request that they be removed from my credit report immediately. I have made every effort to pay my debts on time and maintain a good credit score, but I have been faced with unexpected financial difficulties that have impacted my ability to make payments on these accounts. 

I understand that it is the responsibility of the credit reporting agencies to ensure the accuracy of the information they report, and I ask that they do so in this case. I also remind you that under the Fair Credit Reporting Act, consumers have the right to dispute inaccurate information on their credit reports, and to have that information corrected or removed. 

I respectfully request that you investigate the accuracy of the negative entries on my credit report and remove any items that are inaccurate or in violation of the law. If you find that any of the entries are indeed inaccurate or unfair, please remove them from my credit report immediately. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I have a negative thing on my credit report that I never knew about. It was from Bank of America. Its appearing as a charge off of XXXX $ and I never received any notices of needing to pay this. It says the last time I paid this was XX/XX/2017. I didnt know about this and I wouldve paid it if I ever received a notice. Please send me a bill and remove from my credit report.
Product: Debt collection

XX/XX/2023 I contacted XXXX XXXX XXXX ( Electric Company provider ) and requested service be turned on at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oklahoma XXXX the rep. said he a XXXX fee to connect new service, ask me date service was to be turned on I don't have the exact date she said I have a bill amount for XXXX. You must be looking at another account I ask for the address that this bill came from she could not provide me with the address this bill was attached to. She said she would email me analysis of the bill. When I received email all it's stated was an amount owed and my name, I have never had service in my name with XXXX XXXX XXXX. That's fraud they can not produce the address the bill was for. My electric was turned on for 3 days then shut off I received a bill that stated " final bill " at the address I was moving into XX/XX/2023 for 3 days {$820.00}. I contacted my property manager and explain what happened she said I could pay my electric bill at the office, she bypassed XXXX XXXX XXXX. I mailed XXXX XXXX XXXX office directors 3 letters registered mail requesting documentary evidence of the amount I allegedly owed. XXXX XXXX XXXX Never responded, except public debt collector. I keep getting a pop up telling me my session is going to timeout. So I did want to include TITLE 16 CFR 313 regarding privacy of my personal financial information XXXX XXXX  XXXX failed to provide me there privacy notice or an option to opt out giving my information to a third party i. e. XXXX XXXX Credit Report Bureau. I demand they remove from my report ONLINE INFORMATION SERVICES debt collection amount {$620.00}.
Product: Credit card

On XX/XX/XXXX I booked a business class/ first-class round-trip ticket to XXXX on XXXX for {$8300.00}. I left on XX/XX/year>. Before I travelled, I noticed on my itinerary that one of the connecting flights was booked in COACH class. I immediately called XXXX and they said I was correct and that they could fix it. When the customer service representative was amending the itinerary, he asked me if I could pay {$200.00} extra for overseas taxes. I said it would be ok. Now I first negotiated a round-trip business class ticket to XXXX INCLUDING HOTEL for {$8300.00} and now I agreed to {$8500.00} and XXXX told me I LOST MY HOTEL at the XXXX in XXXX  only to have them pick a hotel BASED ON OTHER CLIENT REVIEWS when I originally had my hotel where my friends were staying. They sent me to a lesser hotel and I had no choice. Already my trip is not my trip anymore. It gets worse. When I arrived at XXXX XXXX to leave to XXXX ( stop over ) the gate agents said I was NOT booked in business class on XXXX XXXX from XXXX to XXXX  and that actually XXXX cancelled my flight entirely. The XXXX XXXX gate agent said she could see XXXX tried to rebook BUT accidentally cancelled the balance of my flights. When I arrived in XXXX to head to XXXX the XXXX XXXX gate agent said the same thing. I had no seat. I called XXXX to speak with gate agent because I was holding up the entire plane. They let me on fortunately HOWEVER now I has NO FLIGHT HOME on XX/XX/XXXX. So I had no choice but to XXXX back and ask them to rebook me on XXXX XXXX  BECAUSE THEY HAVE MY MONEY PLUS {$200.00} EXTRA I PAID. XXXX blamed XXXX XXXX and XXXX XXXX XXXX XXXX BUT I saw on the XXXX computer I was NOT booked and it was XXXX 's fault. XXXX wound up charging me an ADDITIONAL {$10000.00}. just to book me on XXXX XXXX FOR THE TRIP HOME BECAUSE I NOW LOST MY XXXX XXXX seat all together. You have to understand I'm on a plane on the runway and was FORCED to book this XXXX  XXXX XXXX  with XXXX and they made more money on me. NOW this one trip has cost me {$26000.00} and i am at a hotel I did NOT want to be at. XXXX forced me to stay there. It was not as nice as the XXXX. I was devastated. I called Citi XXXX dispute service number the NEXT DAY and started the dispute process. I haven't looked recently but I believe the original {$8300.00} was refunded HOWEVER the XXXX ( which I owed and agreed to even with the bad hotel but I had no choice ). My complaint was to have XXXX pay for my trip home BECAUSE IT WAS BOOKED ON XXXX XXXX  AND PAID FOR. WHY DID I HAVE TO BE FORCED TO BUY A NEW TICKET ON A NEW AIRLINE WHEN XXXX MADE THE MISTAKE AND WOULD NOT HONOR OUR ORIGINAL CONTRACT. AT THIS POINT XXXX IS NOT ACKNOWLEDGING THEIR MISTAKE. IT WASNT UNTIL XX/XX/XXXX I SPOKE WITH A SUPERVISOR NAMED XXXX AT XXXX THAT HE SAID THEY WOULD WORK SOMETHIGN OUT. CITI HOWEVER LOOKS AT DISPUTES LINE ITEM BY LINE ITEM WHICH IS CRAZY BECAUSE THERE WERE 6 OR 7 CHARGES BUT ALL FOR ONE STORY ONE TRIP ONE PERSON I OWE XXXX XXXX TOTAL I NEED HELP WITH THE {$10000.00} THEY CHARGED ME FOR AN EXTRA FLIGHT. I HAVE PROOF OF ALL OF THIS WITH EMAILS AND PAPERWORK BACK AND FORTH WITH CITI MY CREDIT CARD COMPANY.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX/XXXX/2024 Experian XXXX  Department po box XXXX XXXX, TX XXXX Subject : Dispute of Account Information Request for Verification Dear Experian, I am writing to formally dispute the accuracy and completeness of the following account information listed on my credit report. The details are as follows : Creditor Name : XXXX XXXX XXXX Account Number : Partial Acct # XXXX Verify the following issues with this account for completeness and accuracy : -Balance -Entire payment history -Date of last activity -Date of last payment -High balance -Recent balance -Credit limit or original balance -Status -Actual Amount Paid -Purchase Contract I am requesting that you investigate and verify the accuracy and completeness of this account. If you are unable to verify the information and provide proof to me, of the information verified, according to the FCRA. I respectfully request that the account be Deleted from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ). 

Please provide me with the results of your investigation and an updated credit report reflecting any changes made to my file. If this account can not be verified, I expect it to be Deleted from my credit report promptly. 

If the account can not be verified in full compliance with the FCRA, I respectfully request that it be Deleted from my credit file immediately. 

Additionally, I request written confirmation of your findings and all actions taken as a result of this dispute within 30 days, as required by the FCRA. 

Please mail your response to my address listed above. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

Dear CFPB I am writing to dispute the following information on my file. 
The inquiries below were not requested by me nor have I applied for credit. 
XXXX CARD XX/XX/XXXX, XXXX  CARD XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX and XX/XX/XXXX, XXXX XX/XX/XXXX. 
Collections : Reason : The accounts made or posted on my Credit Report are fraudulent. I do not recognize these creditors or collectors and I have not conducted business with them in any way. 
XXXX XXXX. XXXX. Account # XXXX XXXX XXXX XXXX. ( XXXX ) Acc # XXXX The accounts below do not belong to me and I do not recognize them. 
XXXX  XXXX XXXX  Account # : XXXX XXXX/XXXX  Account # : XXXX XXXX/XXXX  Account # : XXXX These Addresses do not belong to me and are inaccurate : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX All this information was review and not resolved on XX/XX/XXXX 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving my report from Equifax I learned that they still had two other people ssn, addresses, collections and phone numbers on my report. I filed a dispute on the accounts and they keep saying verified. I asked them to send me proof of signature or a form of verification and they couldn't. These things have held me back for years. This is stressful and my anxiety is thru the roof over this.
Product: Credit card or prepaid card

I checked my credit report and noticed a capitol one card I did not apply for with an address I never lived at attached.
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Block and Delete Unauthorized Information from My Consumer Report Dear Equifax, I hope this letter finds you in good health. I am writing to express my deep concern and frustration regarding the unauthorized information that has appeared on my consumer report, which is a result of identity theft. I have taken all necessary steps, including filing a report with the Federal Trade Commission ( FTC ), to rectify this situation, and yet the issue persists. This letter serves as a formal request to block and delete the unauthorized information from my consumer report. 

To provide context, I filed an FTC report detailing the identity theft incident that led to this unauthorized information appearing on my consumer report. I want to emphasize that I did not provide written permission or instructions for any identification transactions related to this information to be reported on my consumer report. Furthermore, my request to block this information is not being made in error, nor is it based on any material misrepresentation of fact by me. 

I have already submitted all the necessary documents, including a copy of my original CFPB complaint ( Complaint ID : XXXX ), my FTC report XXXX and proof of my identity in the form of my driver 's license and Social Security card. Despite providing these documents, it appears that Equifax has not taken adequate measures to address this issue promptly. 

The presence of this unauthorized information on my consumer report has had a significant and detrimental impact on my life, causing damage and holding me back in various ways. I have the right to a fair and accurate consumer report, and it is your responsibility as a credit reporting agency to ensure that this information is both accurate and secure. 

I am formally requesting that Equifax take immediate action to block and delete the unauthorized information from my consumer report. I expect this matter to be resolved promptly and efficiently, as it has already caused me considerable stress and inconvenience. I am also seeking the intervention of the Consumer Financial Protection Bureau ( CFPB ) to enforce the correction and deletion of these items if Equifax does not take swift action. 

I kindly request that you acknowledge the receipt of this letter in writing and provide me with a timeline for the resolution of this issue. Your prompt attention to this matter is crucial, and I trust that Equifax will take the necessary steps to protect my rights as a consumer and rectify this situation. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

BMW Financial services is taxing me on my disposition fee ( lease end, return of car ). XXXX  does now allow tax on disposition fees, but I was taxed on mine. I have contacted BMW Financial services and they have been adamant that XXXX  allows taxes on disposition fees and that " that's how they've always done it. '' I have attached my statement from BMW Financial.

Here is the XXXX website, stating californians can't be taxed on disposition fees : XXXX XXXX XXXX And here is the excerpt that shows XXXX doesnt tax on disposition fees : The " rentals '' subject to the tax include any payments required by the lease, including amounts paid for personal property taxes on the leased property, whether assessed directly against the lessee or against the lessor, but does not include amounts paid to the lessor for : ( A ) Collection costs, including attorney 's fees, court costs, repossession charges, and storage fees ; but tax does apply to any delinquent rental payments, including those collected by court action ; ( B ) Insuring, repairing or refurbishing the leased property following a default ; ( C ) Cost incurred in defending a court action or paying a tort judgment arising out of the lessee 's operation of the leased property, or any premiums paid on insurance policies covering such court actions or tort judgments ; ( D ) Cost incurred in disposing of the leased property at expiration or earlier termination of the lease ;
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX2023
Product: Student loan

This complaint is about fraud student forgiveness programs and not doing as they promised. I refuse to payback Equitable Acceptance for their fraud and I will not have my credit ruined because of it. 
Equitable Acceptance promised to get rid of my loans after paying consistently {$49.00} for 3 years until my changed balance of my loans, {$1300.00} was all paid off. 
I was a student at XXXX  College for XXXX XXXX and the program was {$17000.00}. I applied for financial aide and they were able to give me four loans. The first two loans was given to me on XX/XX/XXXX. The Direct Stafford Loan which is {$3500.00} and a Direct Unsub Stafford Loan for {$6000.00}. The next loans I received was on XX/XX/XXXX. Direct Stafford Loan of {$1500.00} and Direct Unsub Stafford for {$660.00}. I paid this through XXXX. It was a student program that combined all my loans into one and each of my monthly payment of {$120.00} would be split into four for each of the loans. The monthly payment got too high for me so I decided to stop on XX/XX/XXXX and sign up for an income driven repayment plan, which was XXXX. I joined on XX/XX/XXXX. All my remaining loans transferred to XXXX and they consolidated my loans into {$11000.00} as my new balance and marked it as pain in full on XXXX. Seeing the amount of my monthly payments in advance made me realize it wasn't the help I needed. I started looking into student loan forgiveness programs. I found out about Equitable Acceptable. Their plan was to have me pay monthly {$49.00} for years until my new current balance for {$1300.00} is paid off and it will have all my loans removed. They promised me that I will have nothing to worry about as they will reduce it until I have no more student loans. I received a call from XXXX on XX/XX/XXXX informing me that I was late on my loans and now I owe {$11000.00}. None of the money I was paying Equitable Acceptance was going into my loans. I have paid Equitable Acceptance about {$360.00} that never went into my loans at all. I called Equitable Acceptance to ask about the situation. They refused to tell me where any of my payments were going and also wouldn't send me any receipts showing my payments. He told me to contact Simple Repayment as for they handle all the money? I've never heard of them and I had no idea they were part of this program that was handling my money. I'm furious. I told the person on the phone how my loans got higher because none of the payments I made was going into it and the man got dismissive. So I asked to be removed from the program and he wouldn't give me that option until I pay off my balance. I will not be continuing my services with Equitable Acceptance or Simple Repayment for they are putting me more in debt instead of helping out. I am not dealing with this program anymore and I will not let them ruin my credit because of this. I will take further actions and will get a lawyer involved if this isn't straightened out. I will not let this scam ruin my credit.
Product: Credit card or prepaid card

I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2017 with a balance of {$9600.00} which I did not make. I have this police report where I stated that I lost my phone where I stored my personal information.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Employer - UNITED STATES POST O Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Incorrect Name : - XXXX XXXX XXXX Employer - POST OFFICE Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 and XX/XX/2023 I send out dispute letter to XXXX, XXXX and Transunion to validate this information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they failed to provide me with copy of any viable evidence and bearing signature which is a violation of the FCRA. I have the USPS tracking to prove that they received previous dispute letters but did not respond I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act Kia finance America has violated my rights.

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a 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 and purpose.