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

I am writing to formally lodge a complaint regarding the presence of fraudulent items on my credit report. Specifically, I have identified inaccurately reported addresses and unauthorized inquiries that are adversely impacting my creditworthiness and causing significant concern. This letter serves as a formal request for the immediate removal and correction of these erroneous entries. 

The fraudulent items on my credit report are as follows : Inaccurate Addresses ; 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 

I dispute the accuracy of these addresses as they are not associated with me in any way. It is crucial to maintain the correct address information on my credit report to prevent any potential identity theft or fraudulent activity. 

Unauthorized 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 

I have not authorized any of the above-listed inquiries, and their presence on my credit report is of great concern to me. Unauthorized inquiries can negatively impact my credit score and suggest potential fraudulent activity. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is accurate, complete, and free from inaccuracies. The presence of these fraudulent items not only violates the FCRA but also poses a risk to my financial security and creditworthiness. 

I kindly request that your agency conducts a prompt and thorough investigation into these fraudulent items, including the inaccurate addresses and unauthorized inquiries. It is imperative that you take immediate action to correct these errors and ensure that my credit report accurately reflects my financial history. 

Additionally, I request that you notify all the credit reporting agencies to which you have provided this erroneous information to prevent the continued dissemination of these inaccuracies. 

I expect your agency to prioritize this matter and provide a written response within the legally mandated 30-day timeframe, confirming the removal and correction of the fraudulent items from my credit report.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Opened : XXXX Owed : {$830.00} Chargeoff XXXX  XXXX XXXX Opened : XXXX Owed : {$1100.00} Chargeoff XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : $ XXXX Late/closed XXXX  Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

What in the world is happening here that my concern was not attended by Equifax and XXXX!! I am exhausted sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had received {$350.00} into my Venmo account. I want to transfer the money into my XXXX XXXX XXXX account and received an error message saying that it could not complete it choose a different account. So I transferred it into my XXXX checking account instead. The next morning when I looked at my XXXXXXXX XXXX XXXX  Account, I saw that Venmo had withdrawn the money out of my account despite the fact that they never had deposited the money into that account. So it was like they were reversing the deposit into the account but they never made a deposit in the first place. This put that accounts in the negatives. They never should have taking any money out of that account. The transferring of the money into my XXXX account went fine, but there was no reason they shouldve ever taken the money out of my XXXX account. They were reversing a transaction they never made. I contacted Venmo, and was told that there was no way that could actually happen although I did prove to them and submit to them the transaction, then the second time I contacted them after spending almost an hour on the phone. They informed me that they were going to put this to a specialist and they would get back to me within 7 to 14 business days. I am currently missing my money that they took inappropriately, they do not provide any kind of real customer service telling me Ill have to wait weeks for them to even look at why they took my money and only then will they refund me. This is absolutely unacceptable. They have to be much more responsive to XXXX they made.
Product: Checking or savings account

I went to get a room 4 a month walked in had XXXX XXXX  min later I was told I had no money at the XXXX XXXX and next I checked ledger and i had exactly XXXX in my acct I went back in they said they never received the money but they gave me the printouts Dave Banking app has Hi dered every movement I have by keeping my money from me I am XXXX and I am XXXX now homeless on streets XXXX Texas without XXXX of mine till the XXXX of next month 2nd I lost it it's still pending
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told XXXX, Transunion, and XXXX to Investigate/Reinvestigate these accounts : Local Government XXXX # XXXX Local Government XXXX # XXXX Local Government XXXX # XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last acti

vity and much more is incorrect? According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 5 U.S.C . 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Debt collection

I logged onto my Credit report, and I see that I have a debt from " XXXX '' that started:XX/XX/XXXX ; the debt company is located at XXXX XXXX XXXX XXXX XXXX XXXX . XXXX ; I contact them and they indicate that's it an account about XXXX XXXX XXXX, yet they can not tell me any details about the debt in terms of what they amounts are for - bill, equipment, months deliquent, etc. In Short, they can not validate the debt. In addition, they tell me the the account has been bought by another debt collector - yet they don't have the number. I try to XXXX the debt collector they told me " XXXX XXXX XXXX '' and it states they are now out of business. 
I am concerned that this debt was 1 ) not validated and 2 ) I never received any written notices whatsoever. 
The debt acct. says acct. no. " XXXX '' and the amount is : {$1600.00} I would like your help to contact them and get this deleted from all ( 3 ) credit  card companies.
Product: Student loan

I went to XXXX University and got one wellsfargo loan. When I left XXXX University they kept putting loans in my name even after I had withdrew. I dont believe these loans are mine but have been paying on them because they keep threatening to ruin my credit. They have been charging me late fees, aggressively calling me on the phone and mail and refuse to work with me. I told them that my husband had died but they did not care they still wanted their large payment. XXXX University says that I do owe for these loans, however XXXX is very corrupt. They fail students they do not like and refuse to pass XXXX students. I finally left because XXXX advisor told me that she was not going to pass me no matter what grade I got! 

Wellsfargo is using predatory practices for these student loans and I need HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

set up auto loan payment and it didn't go through and i was 30 days late on my auto loan. can i please get this fixed and i can show proof that i had enough money in my account at that time.
Product: Debt collection

I have been contacted by UCB ( United Collection Bureau ) 10+ times by phone and each time during my work hours of XXXX-XXXX and each time I have made them aware I am at work and unable to communicate. Each time an associate apologizes and states they will note the system to not call me during these hours. I have advised them they are harassing me and that I want it to stop. The last supervisor I spoke with told me the calls would not stop during this time or any time of the day until I paid and if I did not pay or set up an arrangement that a warrant would be sent to me.
Product: Mortgage

My mortgage ended a forbearance period with XXXX XXXX. I was in a trial period where I had to make 3 straight payments before having my loan modified. During the trial period XXXX sold my loan to SLS. I was unaware and continued to make payments to XXXX. SLS eventually contacted me and agreed to start a new trial period before modifying the loan. Despite being in the trial period for modification, SLS reported me as 120 days past due. Ive modified several mortgages during COVID and they are the only lender to have reported me to the credit agency. Its my understanding that they arent supposed to do that.
Product: Credit card

I was only given 6 months instead of 15 months 0 % APR for new purchases. Even though the online promotion I applied for stated ( after clicking + important information ) " 0 % intro APR for 15 months form date of account opening. After the intro APR expires, your APR will be XXXX  % to XXXX % based on your creditworthiness. This APR will vary with the market based on the Prime Rate ''. 

I believe this to be false advertisement/deceptive marketing and poor business regardless of the contract that was mailed after I was " approved '' online for the promotion that I applied for. 

This is a reputable credit card company and I have applied for other cards with similar promotions and have been given the exact terms that were advertised on their site. 

I explained to them that if there were a variable term for the 0 % APR intro, it should state something like " 0 % intro APR for UP TO 15 months '' or " based on credit worthiness '' in the same paragraph as the statement that says the intro is for 15 months. 

Nowhere in the advertisement or fine print does it state that the intro term could vary. They only mention, in a separate paragraph, that, AFTER the into APR expires, they will assess APR based on credit worthiness. 

So after I was " approved '' online and received my card, I started using my card without realizing that they only approved me for 6 months. 

Now I have paid hundreds in interest. Had I known this, I would have used a different card for new purchases. 

I have been calling them monthly trying to get this squared away and even the managers have been puzzled once I point out how this is stated on their site- they can see that this isn't worded accurately and signifies false advertisement. 

I have also filed a report to the XXXX  and am hopeful that they or CFPB can help me with this issue. 

I appreciate your time.
Product: Credit reporting or other personal consumer reports

I called TransUnion Saturday XX/XX/XXXX in order to have my inquiries disputed and removed as I do not recognize any of them. They refused and said I must first make a complaint with your department. This is extremely frustrating because not a single one of the accounts I applied for.
Product: Debt collection

I am writing to file a formal complaint against ACSI Collections for their continuous and unwarranted attempts to collect a debt that I have repeatedly informed them is not mine. Despite my clear communications and requests for cessation, ACSI Collections has persistently contacted me via phone calls and left voicemails, disregarding my instructions and rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Telephone Consumer Protection Act ( TCPA ).
Product: Credit reporting or other personal consumer reports

I Have Found Some Information Inaccurate On My Credit Report Which Shows Account For XXXX  And XXXX XXXX  Was Not Paid. I Don't Believe This Account Was Ever Paid As Late. I Request You Verify The Information And Remove Inaccurate Information From My Credit Report As Quick As Possible. Iv'e Never Missed A Payment I Have XXXX On Time Payments The Items In Question Is XXXX XXXX XXXX XXXX  After Doing So Please Provide Me With Updating Credit Report Thanks For Your Time
Product: Credit reporting or other personal consumer reports

Penfed credit union denied me my title with after my car was repossessed but gotten out of repossession which then I couldnt register the title for a year, couldnt drive the car and they put it back in repossession and charged it off on my credit report.. I would like the account removed off my credit report as promised..
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX  I inquired about a payoff with XXXX XXXX for a XXXX XXXX, which was purchased during my marriage. At the time, I wrote the bank a check for the stated payoff amount, was assured that the account was satisfied and the title transferred. 

Months later, a {$1300.00} balance appeared on the account and continues to bog my credit report. I transacted the final balance and in good faith, with the information that was provided to me by the creditor. I have made multiple attempts to dispute the charges through various credit repair apps, and have always been rejected. 

Furthermore, the debt has been " written off '' from their perspective. While this is not an admission of their guilt, it certainly speaks to a lack of desire to collect the balance.It was not written off until I began to dispute the charges via XXXX XXXX. I believe the write off was a decision to get their mistake off of THEIR books, while continuing to bog down my credit report. 

I maintain that I do NOT owe Ally Financial for this balance. I believe, but can not prove due to a lack of transparency by the company, that there was a processing DELAY that that was THEIR RESPOSIBILTY, and that they are unjustly and potentially illegally damaging my credit status.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX are reporting incorrect information about this XXXX account after supposed investigating this account because of a dispute I submitted back in XXXX. It is now the end of XXXX, that vehicle has been sold by the finance company and XXXX just recently tried to reopen on my credit report as a new vehicle loan. Both of these Credit Bureaus are doing whatever they want and NOT operating in the best interest of the consumer. 

Remove this XXXX XXXX account from my credit report immediately as it is completely incorrect based on 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. It is a financial institution that has been improperly reported to the credit bureau without my consent. There was no disclosure offered to me where I gave my permission for my information to be shared with anyone. No third party should have access to my personal information yet they do. This is a violation.
Product: Checking or savings account

I instructed Chase to issue and mail a {$300.00} check to a vendor on XX/XX/2022. Chase allow a wrong company, with an entirely different name than the check was issued to, to deposit the check. Chase then debited {$300.00} from my checking account. I have spent hours on multiple calls in the last XXXX months asking Chase to correct its mistake and return my {$300.00}, but to no avail. Chase 's claim rep 's excuse was that the other bank, XXXX XXXX, has not returned the money. It was Chase 's mistake to even let the money go to a party the check was not issued to. Chase should return my money. I should not have to wait for XXXX XXXX  for the money. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

CONSUMER REQUEST FOR INFORMATION & NOTICE TO DELETE Consumer Gramm-Leach-Bliley Act Notice Sur-name : XXXX, Given name : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX XXXX XXXX XXXX XXXX , without the UNITED STATES *NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT* Attention : XXXX PRESIDENT/ CEODate:XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX United States Re : CONSUMER NOTICE OF GRAMM-LEACH-BLILEY ACT VIOLATION I Sur-name : XXXX, Given name : XXXX living man hereby puts XXXX  XXXX XXXX, and its CEO on notice of my Consumer notice R.I.C.O. and GRAMM-LEACH-BLILEY ACT Violation. Consumer demands included Cease and Desist from said racketeering activity. 


Request for information I am hereby requesting the following information in regards to this account XXXX XXXX Account # XXXX Consumer is aware that any creditor or trustee with a fiduciary duty to XXXX XXXX XXXX XXXX XXXX XXXX XXXX or any other all caps corporate spelling of the Surety must have a copy of Social Security Administration Form 89 signed by the beneficiary ( name ) Form SSA-89 is ONLY GOOD FOR 90 DAYS. Please present form SSA-89 to consumer ( name ), living man and beneficiary of the Surety XXXX XXXX XXXX XXXX 

The federally protected consumer also understands NOTHING under the FCRA requires a financial institution to furnish negative information to a CRA Please be advised, a Trustee that is furnishing a collection to my consumer report is in violation of engaging in unlawful extortionate activities. Which the FTC defines as debt parking, and abusive, and unfair debt collection practices. 




Copy of state Department of commerce certificate Copy of Insurance certificate Proof that you are the licensed debt collector for this debt Validation of debt ( statements are not validation ) Proof of agreement Evidence you are the licensed debt collector Chain Of Title* Copy of First and last Gramm Leach Bliley Act SSA-89 Form SIGNED BY CONSUMER XXXX XXXX XXXX ( name ALL CAPS ) Copy of the 1099C cancellation of debt Date of first delinquency Copy of arbitration agreement Copy of the gramm leach bliley act disclosure A list of people you sent my information to An authenticated record of accounting/ledger from the date the account opened I am giving your company 14 days to provide all the following information above via mail in good faith. If your company refuses to mail me all the information I am requesting above ; please DELETE the account from my credit report. 

Thank you for your time. In good faith, XXXX : XXXX agent and Beneficial owner of XXXX XXXX XXXX XXXX Corporation.
Product: Checking or savings account

On XX/XX/year>, I went to XXXX in XXXX, XXXX. I live in XXXX XXXX, XXXX  and evacuated to XXXX, XXXX  due to the approaching hurricane. My debit card was denied. Next morning ( XX/XX/year> ), I checked my Truist checking account activity, and noticed the following XXXX charges that were unauthorized ( posted and deducted from account on following dates ) : XXXX. XX/XX/year> : XXXX {$1.00} XXXX. XX/XX/year> XXXX XXXX XXXX XXXXXXXX {$64.00} XXXX XXXX XX/XX/year> : XXXX XXXX XXXXXXXX {$1.00} XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XXXX {$64.00} XXXX. XX/XX/year>XXXX XXXX XXXX XXXX XXXXXXXX {$1.00} XXXX. XX/XX/year>XXXX XXXX XXXX XXXX XXXXXXXX {$63.00} XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXXXX {$63.00} XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXXXX {$1.00} XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX {$1.00} XX/XX/year> XXXX continued ) : Each transaction was indicated as POS in XXXX despite the fact I had went to the gas station and grocery store in XXXX  the same day as some of these charges. I am the only person authorized to use my debit card. It is a personal account, not business account. I immediately reached out to Truist 's Fraud Communications department at XXXX and spoke with XXXX. I listed each transaction to XXXX and stressed that I have not left the country in over a year and would have no way to even travel to XXXX due to the traffic gridlock and airport closure from Hurricane Milton. XXXX assured me Truist would investigate the charges from XXXX and gave me a case number. She said to expect a form in the mail from investigators before my case would be resolved. Disputed XXXX charges and requested charge reversals for all XXXX fraudulent charges on my debit account. 


XX/XX/year> : I returned home after having evacuated from Hurricane Milton. In the mailbox, there were XXXX letters from Truist, all dated XX/XX/year> : a new debit card, a form requesting further information, and a Error Resolution Form. The Error Resolution only listed two claims : {$1.00} and {$64.00}. The form stated that the {$1.00} charge was approved as a fraudulent charge and would be reversed, but the {$64.00} charge was denied as fraudulent and would not be reversed. On my account, all XXXX charges were posted and {$1.00} was adjusted as a charge reversal. Once again I called Truist 's Fraud Communications department and spoke with XXXX. XXXX filed a dispute for charges XXXX listed above and gave me a new claim number. She stated Truist would launch another investigation and that XXXX had neglected to list all XXXX charges, dispite me sitting on the phone with her for over half an hour listing each one. The charges are no longer pending on my account activity and have posted.
Product: Credit reporting or other personal consumer reports

I recently looked over my credit report and noticed a inquire I did not authorize with XXXX  XXXX on XXXX. I filed a dispute online at all three credit reporting agencies. I called and I was told the I must file a complaint here first before I can speak with the fraud department. There also a XXXX XXXX  Delaware XXXX # XXXX DATE XXXX - XXXX ... .I did not authorized this account. I had no idea this was even reporting on my account.