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

To Whom it may concern, I was recently reviewing my credit report and I noticed that there were several unauthorized inquiries on my credit report and/or someone has been trying to apply for something in my name. I have already filed the FTC Report as well and the report number is XXXX. The FTC Report is attached. 

These fraudulent credit inquiries were made by the following companies : Inquiries : XXXX. XXXX XXXX XXXX on XX/XX/2021 XXXX. XXXX XXXX on XX/XX/2021 Furthermore, according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.
Product: Money transfer, virtual currency, or money service

I was scammed out of XXXX $ through cash app in 2023! And they did nothing about it. I even reported the account and I never got compensated.
Product: Debt collection

ARS is claiming that I owe them {$370.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

my discover card on XXXX was fraudulently charged {$2400.00} XXXX XXXX 2023 it was charged an additional {$4000.00} discover notified me and gave me a new card and removed the bad charges then added this to my new account i called them they removed the charges then put them back on again i called again they issued me a new card and three days later added the fraudulent {$6400.00} dicscover told me i was responcible they charged me interest on the outstanding money i filed a complaint with consumers they responded that discover had made a mistake and credited me with {$3200.00} that does not add up to the total fraud of {$6400.00} this has ruined my credit rating and caused health problems i am a XXXX XXXX XXXX XXXX vet and would like discover to treat me with a minimum amount of respect owed to a customer XXXX please finish this job
Product: Credit reporting or other personal consumer reports

On XX/XX/22 and XX/XX/22 the following companies illegally accessed my credit report by processing inquiries without my knowledge or consent. I have no knowledge of who these companies are. They made numerous inquiries on my credit reports on both days. 

On XX/XX/22 and XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence Estoppel v Gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such debt in the fact therefore exist. ( please remove this account before I seek litigation for defamation of character ). XXXX XXXX {$1900.00}XXXX XXXX XXXX {$590.00}, XXXX XXXXXXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX {$1800.00}, XXXX XXXX XXXX {$240.00}, XXXX XXXX XXXX {$380.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Experian to remove an outdated item from my credit report. The reason is the original delinquency occurred in XXXX. The original creditor was XXXX and the item has been successfully removed by the other credit bureaus with no problem. Experian has the capacity to look back at my credit reports from XXXX and XXXX to confirm my claim. However, Experian is allowing XXXX XXXX debt collection agency to report the original delinquency with a more recent date so it can stay on my credit report. The debt is outside the statute of recovery for the state of Georgia, which is four to six years from the last payment. My last payment to XXXX was in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I just made a large payment of {$650.00} to my  XXXX  card two days ago online. The amount has been recorded to my account as shown. However that new lower amount due is not showing on my credit report leaving me with a higher, older balance due, larger credit utilization and as such when I pull my FICO score, a lower score. Because I would like to move into another home and become pre-approved, as soon as possible, my chances of the best terms have been and are being impaired do to the latency of the automated system update cycle. I am requesting a forced manual update of my balance to the credit bureaus by validation method as per procedure in FCRA section  623.
Product: Vehicle loan or lease

Wells Fargo Bank Is not allowing me to have outside mitigation. I have requested it many times after there refund to me in XX/XX/2020 of XXXX which is not even close to the amount that they owe me. It is clear in the settlement they signed that if I am unhappy with there refund it is part of the program. They have been nothing but ruid and not candid from the day they started lying to me 14 years ago. This bank is no better today than the day that they stole my truck. I have filed complaints only to get the same letter or we need more time letter and it is not right. This bank is useless and really why did the OCC lift the cap on there max value when thousands of people are as mad as me about this CPI and then the fake accounts and mortgage fraud changing paperwork and loan papers lying at each turn. what is the current scam this month. 
The People of America dont need Wells fargo Causing us headaches,. It is time we cause them to go out of business.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX  XXXX Balance : {$9100.00}
Product: Credit reporting or other personal consumer reports

FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, 
YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS. 



On XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. XXXX XXXX XXXX., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Mortgage

I am writing a letter to you to ask that a lawsuit was filed against Mr. Cooper [ Nationstar Mortgage XXXX  XXXX Mr. Cooper ( XXXX ) XXXX on XX/XX/2021 and served on XX/XX/2021, howcome you guys are so careless that you haven't responded? ( Please see the attached lawsuit in Exhibit XXXX ), also see proof of service in Exhibit XXXX Within XXXX business day let me know why you haven't responded to the lawsuit. 
thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute Statement : Case # XXXX ( XXXX XXXX ) Case # XXXX ( Experian Report ) Since I refinance my Auto loan to XXXX, I NEVER missed payment, with the only exception of my NINE days lateness on XX/XX/XXXX ( which is because my payday moved from XXXX to XXXX ). I always pay on XXXX or latest on last day XXXX of each month. 
In my end the past six-months payment history goes like this : th 1.  XX/XX/XXXX, $ XXXX th 2. XX/XX/XXXX, $ XXXX th 3. XXXX, $ XXXX th 4. XX/XX/XXXX, $ XXXX th 5. XX/XX/XXXX, {$320.00} XXXX th 6. XX/XX/XXXX, $ XXXX XXXX Payment made at XXXX bank cashier. ** Payment made by bank transfer. 
The two payments I made on bank cashiers erroneously goes to the principal payment rather than the monthly payment and incur me additional {$30.00} fee. First, they keep saying you didnt pay your XX/XX/2020 monthly payment which I did, and I proofed them by showing the difference between the begging and ending balance of my loan. They promised me they will reevaluate and will do adjustments including the {$30.00} fee, rather they report it to consumer. The same scenario happened for XX/XX/2020. 
Before that I used to have a debit account with them and they automatically tool money from that account until XXXX or XX/XX/2020. Usually I drop money on that account through ATM before my last day of payment. But on XX/XX/2020, due to Covid-19 I couldnt find a working ATM and I made payment at the cashier for the first time. I try explained this situation to the guy called me for late payment he understands and accept it & he told me he will made adjustment ( i.e. to apply the payment I made to principal to monthly payment ) and waived me {$30.00} NSF. I told him I want to keep payment this way sometimes, he told me it is okay but noted me to tell the cashiers I am making the monthly payment & I did that all the time when I made payment at the bank cashiers. 

After I proof them I didn't miss any payment over the phone the promised to make adjustment but I ask the took fix the their credit bureau report. But they recommend me to to dispute through the credit report agencies I heard the deliquesce report. ( I spoke with XXXX credit department representative XXXX XXXX )
Product: Checking or savings account

In XXXX I noticed various charges to my bank account to XXXX. I had noticed these charges before, but had assumed it was XXXX XXXX making purchases. I was not aware that our debit cards were different until I questioned her about it. When I discovered that these were all placed on my debit card I immediately contacted the fraud department at Wells Fargo, my bank, and an investigation was started on XX/XX/XXXX. Through talking with the first representative I reported it to, we were able to determine that the charges dated back to XXXX of XXXX and amounted to a little over {$7000.00}. I waited patiently until XXXX XXXXXX/XX/XXXX to find out that the bank is denying my claim stating that they can not determine there was fraud. I asked them if they had contacted XXXX to find out where the purchases were made and they said they hadnt. I never received any communication or questions about whether I made these transactions, which I hadnt. I was told by the supervisor in the fraud department that they looked at financial transactions and determined they couldnt prove fraud. I asked how they would be able to prove fraud without investigating at all but they stuck to their script about not saying there wasnt fraud but not being able to determine any fraud had happened and I could go speak to my XXXX XXXX XXXX if I needed it investigated further. 
I have been doing business with Wells Fargo for probably XXXX XXXX now and have never had a problem like this, but they dont seem to be seriously looking at doing anything if they are not even contacting any of the parties involved before making a determination. Could you please help me in obtaining my {$7000.00} back which was made over XXXX XXXX or so by someone who managed to set up an XXXX account with my debit card? 
Thank you
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX  - XXXX Incorrect Name - XXXX XXXX XXXX
Product: Student loan

I have repeatedly attempted to contact XXXXMohela regarding the refund due on the monies paid to them between XXXX - XXXX as well as the invalid negative credit bureau reporting that were already supposed to have reversed with the credit bureaus. XXXX/Mohela have not issued any refund ( estimated to be a minimum of {$25000.00} which includes all interest paid, late fees, this is the MIMIMUM estimated amount ). I have confirmed the refund due and the reversal of credit bureau reporting with the both Federal Student Aid and the Department of Education, so of XXXXMohela has a problem with it, they need to speak to those entities, NOT to me about it. Federal Student Aid has informed that these XXXX responsibilities are that of the service loan provider, NOT that of Federal Student Aid, the DOE and NOT myself. I will not play referee between the XXXX of them and and I will not tolerate insubordination. XXXX/Mohela associates repeatedly keep hanging up on me when I have attempted to resolve these issues in a civil manner, so the civil option is now off the table and the legal option is coming up next.
Product: Bank account or service

Citi bank applied a service fee to my savings account that was not previously applied with no prior notification. As a result of this fee, then then applied an additional overdraft fee, for a total of {$59.00} in fees in expected fees.
Product: Checking or savings account

i have had my account for a minute now, and however the company decides to close the account due to not having a business account from what i was explained, now i have to redirect my business somewhere else due to close deposits supposedly i had a deposit on XX/XX/year>XXXX  for XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

**THIS WILL BE MY 4th ATTEMPT TO RESOLVE THIS MATTER, THE INQUIRY IS FRAUDULENT!! ** In the course of recently screening my personal consumer credit report, I observed what obviously appears to be UNAUTHORIZED and or FRAUDULENT credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : XXXX XXXX, I mailed a Cease and desist, No authorization letter, dated XX/XX/XXXX the letter was detailed with inquiry details : XXXX/XXXX & Inquiry Date XX/XX/XXXX. XXXX XXXX has been negligence in providing any documentation and or documents to validate inquiry. To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my consumer credit report on XX/XX/XXXX, which is the specific date alleged if any dates ever at all. It is my contention that either the Original Creditor ( s ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at
Product: Credit reporting or other personal consumer reports

XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX  XXXX, IA XXXX Subject : CFPB Complaint Experian Verification of Information Without Proof Dear Sir/Madam, I am writing to file a formal complaint against Experian regarding the verification of inaccurate information on my credit report without providing any supporting proof. Despite my repeated requests for documentation verifying the accuracy of this information, Experian has failed to provide the necessary evidence to substantiate their claims.

The details of my complaint are as follows : Nature of the Dispute : I have disputed an item on my credit report that I believe is inaccurate or incomplete. Experian has verified the information but has not provided any documentation or proof to substantiate the accuracy of the entry. 

Timeline : I filed a dispute on XX/XX/year>, but Experian responded on the same day XX/XX/year>, confirming the information without any supporting documentation or proof that it is correct. 

I have contacted Experian multiple times to request supporting documentation or proof of the reported information, but they have either not responded or failed to provide any substantial evidence. 

Attached documents are included to show that I filed disputes with Experian on XX/XX/year> and getting same day judgement of the dispute without any regards of showing proof or documentation. 

As per the Fair Credit Reporting Act ( FCRA ), I understand that credit reporting agencies are required to investigate disputed information and provide proof of its accuracy if it is verified. However, in this case, Experian has not provided the necessary documentation, which has resulted in a violation of my rights as a consumer. 

I am requesting the following actions to be taken : A thorough investigation into the matter, including providing proof or documentation supporting the validity of the information on my credit report. 

A correction or removal of the inaccurate information if Experian can not provide adequate proof of its accuracy. 

A formal response to my complaint and an update on the status of my dispute. 
I trust that the CFPB will investigate this matter and take appropriate action to ensure that my rights are upheld and that Experian complies with the Fair Credit Reporting Act. 

Please feel free to contact me at my email XXXX for any additional information or clarification. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX