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

XXXX XXXXXXXX XXXX, XXXX XX/XX/scrub> XXXX XXXX Experian Information Solutions , Inc. Dispute Department RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ]. 2. Provide me with all documentation used to verify the accuracy of the disputed information. 3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by { EXPERIAN }. I believe these late payments are erroneous and do not accurately reflect my payment history. 

ACCOUNTS : XXXX XXXX XXXX  INQUIRIES : 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 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.
Product: Debt collection

Jefferson Capital Systems , LLC has been holding my credit hostage. They are saying I owe money I do not. They are unable to provide me proof of this debt. The original debtor they say I owe is XXXX XXXX, who I am still a member with and have not ever owed. I still service with XXXX XXXX in which I pay them every month for. I don't know if they obtained a wrong clients info but I have and do not owe Ideal Image or Jeffersons Capital. 

I have asked them to remove this from my credit bureaus several times and although their automated system say they have asked the credit bureaus to remove them from my file since XXXX XXXX XXXX XXXX, the credit bureaus say they are still reporting every month. So, they are literally being deceptive. They have removed the debt for a while and have put it back. I need help getting this settled and to alarm CFPB of their deceptive practices. They are not going to force me to pay for something I do not owe. I am an XXXX  and I work to hard and face to many dangers this pandemic to just give my hard earn sweat and blood money to the thieves. 
I will attach an email from Ideal Image saying I do not owe or ever owed them that amount and that I currently have service with them. Thank you. 

P.S. 
I called XXXX XXXX today, now they say I owe them under another company but the price has not changed. I ask how come the company has switched and they say I do not know what was told to you yesterday XX/XX/XXXX. Now I am sure there is something deceptive going on. I need help getting to the bottom of this. I only wish I could get yesterdays recording as they say everything is recorded. I got a representative from Ideal Image to send me proof I do not owe them, but all of a sudden when I said I have proof I do not owe Ideal Image, they list another company. Please help. Thank you.
Product: Checking or savings account

On XX/XX/2021 I was XXXX in XXXX XXXX fl and on XXXX XXXX my unemployment from FL Deo was deposited into my account. One deposit of {$2700.00} at XXXX & the other of {$5100.00} at XXXX. When I got XXXX  all my belongings where in my car which got towed and someone got access to my phone and my Chime account. When I got Released on XXXX XXXX I no longer had my phone nor phone number and I tried to reach out to Chime but then they locked my account for almost 3 weeks. I was finally able to access my Account which was at a {$0.00} balance. I went to dispute all transactions from XXXX XXXX to XXXX XXXX because at the time I was XXXX and could not have made any of them transactions nor did I give anyone permission to access my Account. When I went to dispute the Transactions A Chime member said that someone already disputed them transactions back in XX/XX/2021. I told Chime that it was not me and that I wanted to start a new dispute but they wouldn't. They said I had to do a rebuttal. I tried disputing them transactions at least 3 to 4 times and sent all the documents Stating I was XXXX  at the time but Chime will not help me at all and they keep saying that there was not an issue so I will Not receive any Refund. I have all the emails to & from Chime. I've tried getting my Unemployment money because I really needed that money and someone stole it from me. Yes I got XXXX but that doesn't mean It was OK with someone stealing my money. I have spent so many long hours on the phone with Chime and so many emails to them getting absolutely no where. I feel like they are discriminating against me because I got XXXX and I was XXXX. I would like this Issue to be taken care of and for Chime to do the Right thing and refund me my unemployment money that I waited so long for.
Product: Student loan

XXXX weeks ago I paid off a loan at Mohela. The company cashed my check but has yet to apply the payment. Every call they tell me it will be another week before it is applied, over and over again but it is still not be credited.
Product: Debt collection

Toyota Financial Services fail to validate an alleged debt of a car loan pursuant to FDCPA & FCRA after many attempts to resolve the situation in accordance to federal law. 
On XXXX a letter was made stating that TFS received my request for validation and after their records were researched but not Validated, they determined the account being reported was consisted with their records. 
On XXXX as evidenced by certified Mail Receipt # XXXX XXXX, Affidavit was sent Certified addressed to Toyota Financial Services ( TFS ) seeking to resolve the issue with remedy of {$300.00}. 
On XXXX, XXXX XXXX was also sent certified letter requesting accountant sendFinCEN Form 101 " Suspicious Activity Report ' as evidenced by certified mail receipt XXXX. 
A letter dated XXXX XXXX, was sent to my residence with threatening and intimidating language of taking my property to sale the debt which is in violation of 15USC 1692d without the debt being validated. 
Further attempts were made through Notarial Protest On XXXX, XXXX XXXX was sent Notice of Breach as evidenced by Certified mail receipt # XXXX On XXXX, Notice of Protest and Opportunity to Cure as evidenced by Certified Mail # XXXX. 
On XXXX around XXXX ; XXXX, TFS committed theft by sending an asset management company to take my property thus violating 15USC 1692d. 

Afterwards from fear and intimidation, On onXXXX, TFS was sent Tender of payment by way of negotiable instrument for accord and Satisfaction in accordance with UCC with an Affidavit of Tender of payment as evidenced by Certified mail Receipt # XXXX. 
As of today, XXXX, XXXX XXXX CFO of TFS has failed to respond thus committing dishonor through non-acceptance and or non-performance.
Product: Mortgage

I XXXX XXXX XXXX, entered into a consumer credit transaction with AMERICAN MORTGAGE SERVICE CO. XXXX of 2018. I used my credit card as defined under 15 USC 1602 ( l ) and there was a finance charge involved as defined under 15 USC 1692 ( e ) because they falsely represent the status of a debt. Also the finance charge is the sum of ALL CHARGES, therefore the alleged debt is null and void.
Product: Credit reporting or other personal consumer reports

My divorce was finalized in XXXX- please see uploaded XXXX. My ex-husband was responsible for the mortgage, payments and removing me from the loan. 
Unfortunately, he never removed my name, in from XX/XX/XXXX through XX/XX/XXXX, he stopped making mortgage payments and the XXXX was forced to close and go into collections. 
This is reporting to my credit report now as something I did, when I wasn't even entitle to the house or even had possession. XXXX bank hasn't been helpful through this process as the account is closed and they are saying there is nothing they can do, but I have moved on and am trying to purchase a new home for my family and I can't because of his negligence. 
Please see the attached Judgement of divorce - I had no rights or responsibility to the repayment of this loan and the lates that he caused should not be inhibiting me to move forward when this was signed by a judge into order in XXXX.
Product: Debt collection

I have send Numerous Letters to the Bureaus and the company involved Jefferson Capitals System LLC and seems to just disregard each times.which I have a right to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Certified Letter Demand for Removal XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Final Follow Up and Response Requested and Demand for Removal XX/XX/2021 Certified Affidavit Proof of Identity Theft and Documents My name is XXXX XXXX. I am speaking on behalf of myself and no one is speaking for me. I have contacted via certified mail XXXX, Experian, and XXXX on 4 separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts, FCRA 605B, 615 ( f ), and 623 ( a ) ( 6
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report, I noticed a credit inquiry from XX/XX/2020 that I did not authorize. I contacted the company via phone to get this inquiry removed. They advised I would have to go through my XXXX for the removal.
Product: Bank account or service

Bank of America REPEATEDLY declined to put my transactions through at XXXX ( grocery store ) on XXXX/XXXX/16 and XXXX/XXXX/16 even though THE MONEY WAS THERE. It actually HIJACKED the funds so that it CAN NOT be withdrawn from the account. It 's their sophisticated, high-tech way of XXXX customers. It has happened twice involving transactions at two different XXXX locations in XXXX, TX and XXXX, TX, and it is possible that Bank of America and XXXX are COLLUDING to divert their customers ' money and illegally freeze them so that they themselves can use them and profit from them as recorded bank balances and recorded sales respectively, but the customers CAN NOT. Imagine how much money is involved if it turns out that they do this collectively on a regular, MASS-SCALE basis!
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE GRANTS CUSTOMERS THE XXXX SERVICES POWERED VIA XXXX, BUT ARE UNABLE TO USE BECAUSE XXXX IS BLOCKING MY CREDIT. CAPITAL ONE MUST CONTACT BOTH ARTIES OR BE SUED.
Product: Credit card or prepaid card

I paid the amount of {$2000.00} to my Wells Fargo XXXX Credit Card when I paid my credit card as of today 's date they have not credited my account and refuse to assist me in locating the payment. The money orders was mailed to them and also cashed but as of today 's date they have refused to credit my credit card for the money in the amount of {$2000.00} I would call and they would not and refuse to assist me with this matter and told me to take it up with XXXX XXXX I contacted XXXX XXXX and they confirmed that the company had cashed the money orders but as of today 's date I have been waiting for a credit to my account and they have constantly refused to credit my account.
Product: Debt collection

On XX/XX/XXXX I was provided with a Garnishment notice from my employer for a Judgement from back in XXXX that I was never properly served for which resulted in a default judgement. I was made aware of this garnishment in XXXX when my old employer notified me of a garnishment order while I was on XXXX leave. I filed a medical exception due to XXXX XXXX XXXX  & to give me time to dispute this debt as I was a victim of the XXXX XXXX Data Breach and this alleged debt transpired during the same week of the data breach. 

As a result of the XXXX XXXX Data Breach, I had a 2 year credit freeze & monitoring placed on my credit report from XXXX. I worked with XXXX XXXX Fraud Department & Filed Multiple Complaints disputing this debt. It was REMOVED from my credit report in Late XXXX as a result of the disputes. I thought this had been taken care of as I never heard anything about it again. 

On XX/XX/XXXX, I received a notice in the mail from this debt collector notifying me of a Garnishment Release from a old employer that I stopped working for in XX/XX/XXXX. Then two weeks later my current employer received a garnishment order. 

Not only was this debt supposed to be resolved due to XXXX XXXX Data Breach, I was never properly served, The Debt Collector was unable to validate the debt in XXXX when requested, The documents the debt collector provided me appear to be fraudulent & drastically inaccurate. But also, this debt collector had a garnishment order active for 4 years without receiving any payment, or any answer from garnishee. Which negligence of Debt Collector & Garnishee resulted in {$5000.00} in interest for a debt I do not owe.
Product: Credit card or prepaid card

After a declined charge attempt for {$3.00} on my citibank mastercard on Thursday XX/XX/XXXX, I went online to look at the status of the account and saw that it had been closed. The account, which I 've had for about 20 years has always been in good standing with on-time monthly payments. The last ( minimum due ) payment was made on Thursday XX/XX/XXXX for {$360.00}. The balance after that payment was {$13000.00}. I called customer service and was automatically routed to the recovery department. After authorizing them to remove a " Cease and Desist '' order to communicate with me, They claim to have received a letter on XX/XX/XXXX ( from a firm that I employ to do all my bookkeeping and tax work ) requesting a " cease and desist '' of all communication between Citibank and me, and to close the account. Inexplicably, the account was closed on XX/XX/XXXX, ( the day following the last payment ) 6 months after this letter is alleged to have arrived The firm in question, XXXX XXXX XXXX has flatly denied ever sending any such letter, reminding me that they are not authorized to speak to Citibank or make any changes to the account. The Citibank rep was not able to produce a copy of the letter or to provide a name of an individual who authored it. They referred me the collection agency Citibank has engaged to work out a payment plan. Again, the account has never been in arrears and timely monthly payments have been made and posted to the account each month. The Citibank rep confirmed the balance on the account is now {$17000.00}. I have not made any charges since the last payment was made. The credit limit on the card is {$17000.00}. I, nor anyone on my behalf ever authorized or requested a cease and desist of communication or that the account be closed. I am in the process of obtaining digital copies of all recent statements and payment activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX  entity was contacted by my lawyer. The dispute letter in addition to my previous letters has been recklessly disregarded. The credit reporting companies are farudulent and XXXX, these three corrupt companies-XXXX, XXXX and Experian ruined my credit scores based upon false misinformation provided by the creditor banksXXXX XXXX XXXX. and XXXX  XXXX XXXX. Please see attached letters.
Product: Credit reporting

XXXX XXXX account paid in full over four years ago. Also XXXX inquiries counted double. Would like the doubles removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute Regarding Equifax 's Willful Neglect, Failure to Investigate, Provide Required Documents, and Compensation for Credit Damage I am writing to dispute Equifax 's willful neglect, failure to investigate, provide necessary documents, and compensate for the damage caused to my creditworthiness and reputation. Their actions have also violated my rights under the GLBA, FDCPA, and FCRA regulations. 
Equifax has displayed a willful neglect of their responsibilities by failing to conduct a timely and thorough investigation into the alleged debts. Despite my repeated requests, they have not provided the necessary documents and have continued to request identification that I have already provided, resulting in unnecessary delays and hindrance to the resolution process. 
This willful neglect has resulted in significant harm to my creditworthiness and reputation, causing distress and impeding my ability to access credit in good faith. I firmly believe that I am entitled to fair compensation for the damages incurred as a direct result of Equifax 's negligent handling of my credit information. 
I kindly request your immediate intervention to ensure Equifax 's compliance with the law. This includes a thorough investigation, provision of necessary documents, and appropriate compensation for the significant damage caused to my creditworthiness and reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., XXXX days ). Please let me know if you require anything else. Please remove the following items off my Credit File as soon as possible : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX 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 XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft, please comply with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XX/XX/XXXX Accounts,XX/XX/XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX ), Bank XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) have 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 Inquiries that I did not authorize : XXXX XXXX : Requested on XX/XX/XXXX & XX/XX/XXXX Bank XXXX XXXX : requested on XX/XX/XXXX XXXX XXXX XXXX : requested on XX/XX/XXXX
Product: Credit card

NOT THE FIRST TIME THEY TRY TO CHARGE ME MONEY THAT I DIDNT SPEND, I REPORTED AND THEY DONT HELP ME. {$360.00} FROM SAMS CREDIT CARD/SYNCRONY BANK
Product: Credit reporting or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The following accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX XXXX  XXXX, XXXX  XXXX and XXXXXXXX XXXX XXXX.