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

Personal Loan # XXXX -- -- -- During the months of XXXX and XX/XX/2023, my personal XXXX bank account, social security number and date of birth were compromised with an intention to commit fraud and theft. 

During this time, I previously set up payments with my XXXX XXXX Banking while traveling 80 days overseas for work ( Will be verified by XXXX ). As a result of a security breach, and multiple attempts by unauthorized person ( s ) attempting to access my personal XXXX account without my knowledge, XXXX blocked my account for security purposes. 

Per XXXX, for my protection all transactions and activity on my account were frozen. As a result, the scheduled UPSTART Loan Payment was not released as scheduled to satisfy my monthly payment due, which caused the extended pass due account status. 
Multiple payments were not made due to this security freeze to my XXXX Account. 

Thankfully each merchant has responded to this issue with cooperation and understanding in regard to updating my personal credit report as appropriate. 

Upon my return from overseas travel and the security breach was under control, I immediately made contact with XXXX and verified all my information with XXXX to unfreeze my account. I also manually made payments to ensure all my unpaid accounts were brought up to date. ( including UPSTART ) -- -- -- -- Unfortunately, as a result the {$150.00} payment scheduled for XX/XX/XXXX and XX/XX/2023, not being released by XXXX, a 30-Day delinquency posted to personal my credit report for XX/XX/2023. These payments ( verified by XXXX and letter attached ) clearly would have satisfied the minimum payment due my Upstart Loan and also an additional payment. 
-- -- -- -- - I have taken all the necessary precautions including Filing fraud alerts with the credit reporting agencies. 
-- -- -- -- - As required by the FTC ( Federal Trade Commission ) and the CFPB ( Consumer Financial Protection Bureau ) I am requesting a removal of the 30 day late posting for XX/XX/2023 with all credit reporting agencies for the Month of XX/XX/2023 as it has caused un-due stress on my personal finances but my Business as well. This late payment has reduced my personal credit score by XXXX points which is not something that I can handle as it has triggered spiking interest rates and business lines of credit being reduced. 
It has caused a staggering chain reaction of hardship across the board. I am fully aware this is not an error on the part of Upstart but it is also not an error or negligence on my part as a crime was committed against me. 
-- -- -- -- -- -- Per FTC and CFPB instructions, I have completed all the steps required and am also including a verification letter from XXXX which was submitted to all effected creditors in this situation that requires credit reporting updating. 

-- -- -- -- -- -- -- - I sincerely appreciate your assistance in this matter moving forward. 
If needed, I can be reached at ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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
Product: Vehicle loan or lease

My company vehicle was unlawfully repossessed by Ally on XX/XX/2023. In order to regain possession of the vehicle the following week, I was compelled to make payment for XXXX months ' worth of installments, along with a repossession fee, a sheriff receipt fee, and a late fee. Despite Ally 's claim that I was in arrears, consistent payments have been made via certified cashier 's checks since XX/XX/2023. 

Notably, all five checks were endorsed and deposited into Ally 's XXXX bank account ; however, only two of the checks were credited to my account ( XXXX and XXXX ). I diligently contacted customer service on a monthly basis regarding this matter, yet they persisted in asserting non-receipt of the checks, even though I possess bank records indicating the dates of deposit and Ally 's bank details. 

Had Ally not committed a clerical error by neglecting to promptly credit my account, the entire repossession situation could have been avoided. I made every effort to resolve this matter through communication with customer service, but their calls have been repeatedly redirected to a " redemption center. '' At this point, I already made excess payments to reclaim my vehicle, rendering any further discussions with the redemption center unneeded. 

Their conduct amounts to consumer theft, and I will initiate legal proceedings if they do not promptly address and resolve this matter.
Product: Debt collection

Agency of credit control did not validate debt. They sent letters to the wrong address and called me while I was on my job. I do not owe any debt and the debt is not validated.
Product: Credit card or prepaid card

XX/XX/XXXX bank transfer from us bank to citcard XX/XX/XXXX I recieved a letter stating invalid account status and ineligible account status XX/XX/XXXX called us bank. They stated that I closed the account which i never did. 
no call no information for over 10 days. I thought everything was fine. turns out someone cancelled the bank account meaning transfer never happened. 
XXXX was charged to me in interest by XXXX XXXX  as i was going to pay it off. They reoppend my account on XX/XX/XXXX and made the transfer late. I also had to pay the {$420.00} transfer fee on top of their mistake. Meaning im out {$740.00} Still to this date no one knows why it was closed and by whom. If i was notified in a timely manner or left a message, call or email this could have been avoided and I could have gone somewhere else for the loan. 


I have copies of all the paperwork with me
Product: Credit reporting or other personal consumer reports

Transunion/ XXXX continues to keep XXXX XXXX XXXX accounts on report. this is there reason : The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the detail. 
Was a 1099c sent, if it was a charge off/ if they sold it to who? and when? why is this is not listed somewhere? 

Requested they provide the information used to certify the accuracy of the report. 
As XXXX has removed XXXX XXXX, I have personally called XXXX XXXX they stated they transferred the account to XXXX in XXXX then how were there XX/XX/XXXX late payments in XXXX? I called XXXX they have no record of me on any account, I called XXXX XXXX my name is listed as a reference only. please remove.
Product: Credit reporting or other personal consumer reports

Please review the message below. 

" I am writing to inform you that XXXX, Equifax, and XXXX credit bureaus have reported a fraudulent or identity theft account on my credit report. Despite numerous attempts to rectify this with them, the account has not been removed. 

The credit card in question belongs to XXXX Bank and is also reported on my credit file. Both XXXX and I have sent multiple deletion requests via email and mail to the credit bureaus, but they have failed to respond. 

This issue is greatly affecting me, and if it is not resolved promptly, I will file a continued complaint. I have attached a letter from XXXX requesting the deletion of the account sent to all credit bureaus. '' I hope this revision is helpful.
Product: Credit card

CREDIT AND REOPEN the account ending in XXXX every billing cycle. XXXX XXXX XXXX XXXX XXXX XXXX is listed as the trustee according to Prospectus Form 424B2 in American Express SEC filings. According to the 10Q form for Q3 page 58 listed in the SEC in filing for American Express states We periodically securitize Card Member loans and receivables arising from our card businesses through the transfer of those assets to securitization trusts, American Express Credit Account Master Trust ( the Lending Trust ) and American Express Issuance Trust II ( the Charge Trust and together with the Lending Trust, the Trusts ). The Trusts then issue debt securities collateralized by the transferred assets to third-party investors. The monthly payment coupon received every month by XXXX XXXX is a receivable for American Express that has been credited due to the securitization of the asset. I rescind/revoke any security interest American Express has in the account ending in XXXX and XXXX, Brandon/agent assume all right XXXX titles, and interest for the XXXX XXXX for the account ending XXXX XXXX. Please respond within XXXX business days confirming fiduciary duties have been completed or reason for nonperformance of fiduciary duties if not completed. Failure to credit and reopen the PREPAID account ending in XXXX will result in an escalation to the SEC for securities fraud and a federal lawsuit for securities fraud.
Product: Credit reporting or other personal consumer reports

I'm victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$750.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$750.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$800.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$1400.00} XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$3400.00} XXXX XXXX ( Original Creditor : XXXX PROGRESSIVE ) XXXX Balance : {$3400.00} XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

This account on my credit report is due to Identitiy Theft. Please delete this collections from my account. This account reported on XX/XX/2023 for {$880.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$560.00}, {$550.00}, {$900.00}, {$1100.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 


2. XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$550.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating 5the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the necessary proof of investigation.
Product: Money transfer, virtual currency, or money service

In late XXXX of 2022 a common pipe broke in the subfloor of my condominium. The HOA agreed to pay the claim and then collectively worked with their XXXX contracted attorneys ( separate firms ), their contracted insurance agent and a corrupt private contractor to block me from ever receiving the funds to repair my home. 
This complaint is directly linked to complaint no. XXXX filed on XX/XX/XXXX involving an attorney from XXXX XXXX  XXXX illegally forcing a lien. This complaint is about another lawyer that is contracted under the same HOA who ignored my demand letter which was sent XXXX months before their other attorney ( at another firm ) forced the lien. The attorney who ignored the XXXX  day demand letter sent in XX/XX/XXXX, verbally acknowledged receipt of it to the attorney who sent it. 
Are lawyers allowed to ignore demand letters?
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$400.00} XXXX  XXXX Balance : {$8600.00} XXXX XXXX XXXX  XXXX Balance : {$9200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/XXXX my family moved out of XXXX XXXX at XXXX XXXX XXXX. On XX/XX/XXXX & XX/XX/XXXX IQ Data International contacted both my husband and myself via telephone about a debt we were unaware we even had from XXXX XXXX. IQ Data has accused me 3 times of lying about receiving their mail. I can't make someone believe me that I'm telling the truth. I have not been able to verify the validity of this amount with the company who has sent me to collections and I've emailed them twice and called multiple times and no answer. I have no proof of the validity of debt. I have simply asked them to resend their letters with a full accounting and informed them that until that time I will exercise my right to dispute the debt. This infuriated the customer service person who called me today. He told me that if they send me a letter what's to say that I won't lie about getting it. They previously told me that they are marking this account as " refuse to pay '' and reporting it to the credit bureaus.
Product: Student loan

I have contacted Texas Guaranteed loans collections agency several times in the last few weeks/months attempting to resolve issues regarding a defaulted loan that lead to my tax refund being offset. The first time I was contacted, I spoke to XXXX of their representative XXXX whom was very rude and would not answer my questions regarding the default, instead she was coarsing me into starting a payment plan and this after i previously stopped a wage garnishment while attempting to figure out exactly why I defaulted on a loan, when i have either been a XXXX student or when in between schools have requested for a forbearance. I was told to bring a letter from the school showing periods of enrollment leading to the time i defaulted. I obtained this information and contacted texas guaranteed loan yesterday Yesterday XXXX/XXXX/XXXX. At this time, I spoke to a male who gave his name as being XXXX, I have spoken to this man in the past and remembered him being very rude and gave me false informations and will not assist me with informations or answer questions correctly. Then on this day, he answered the phone and I asked if I can please get their fax number. He asked me what I was faxing, I said a hardship request to get my tax refund back, and a letter from the school stating that I was fully enrolled in school. At this time, he became very irrate, and told me that it will not do anything for me, and he doesnt know why I 'm wasting my time. And that I could not have placed a firbearance on the loan that many times, because its only granted once, and that this loan was from XXXX. And unless i can prove that I have been in school from XXXX until now, then there 's nothing i can do. I explained to him that I remember speaking to him once before and that he was very rude at the time and giving me false informations as he is doing now. I informed him that i have spoken to multiple people there since this morning and you once again are the only one giving me different information. He continued to tell me that it doesnt matter what i have that they are not going to do anything about it. He was being very verbally abusive and yelling at me. This went on for 12 minutes and he eventually hung up and did not give me the fax number.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has flagged an existing account that was previously shown as paid in full to now a charge off. How is this possible. I have attached the documents to show the accountand proof of violation.
Product: Debt collection

UNDER 15 USC 1681a ( 3 ) THIS MEDICAL COLLECTION IS IN VIOLATIONAND CANT REPORT ON MY CREDIT REPORT.
Product: Credit reporting

The address in XXXX XXXX, California is not mine, I have never lived in that location.
Product: Credit reporting or other personal consumer reports

Payment reflected as received by Carrington mortgage services LLC on XX/XX/year> but was reported on my credit report as 30 days late. XXXX payment sent XX/XX/year> via check and never cashed. Overnight payment sent XX/XX/year> and not reported until XX/XX/year>. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Identity Theft Complaint Regarding Fraudulent Accounts with XXXX XXXX XXXXXXXX Dear CFPB, I am writing to formally file a complaint regarding identity theft that has resulted in the establishment of fraudulent accounts in my name with XXXXXXXX XXXX XXXXXXXX. I have discovered two accounts that I did not open, and I believe my personal information has been compromised. 

**Details of the Fraudulent Accounts : ** 1. **Account Number : ** [ XXXX **Date Opened : ** XX/XX/year> **Balance : ** {$1800.00} 2. Account Number XXXX **Date Opened : XX/XX/year> **Balance : {$2900.00} I first became aware of these accounts when I reviewed my credit report on [ insert date you reviewed your report ]. Upon noticing these accounts, I immediately contacted XXXXXXXX XXXX XXXXXXXX to dispute the validity of these accounts and to inform them that I am a victim of identity theft. I have provided them with the necessary documentation, including a police report and proof of my identity, but I have yet to receive a satisfactory resolution. 

I am requesting that XXXXXXXX XXXX XXXXXXXX take the following actions : 1. Remove the fraudulent accounts from my credit report with all three major credit bureaus ( XXXX, Experian, and XXXX ). 
2. Provide me with written confirmation that the accounts have been closed and removed from my credit history. 

In addition to the above, I would like to request the assistance of the Consumer Financial Protection Bureau in investigating this matter and ensuring that my rights as a consumer are upheld. It is crucial for me to restore my credit and protect my financial identity. 

I have attached copies of relevant documents, including my identification, the police report, and any correspondence witXXXX XXXX XXXX XXXXXXXX regarding this matter. 

Thank you for your attention to this serious issue. I look forward to your prompt response and assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX