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

I am writing to express my concerns regarding the information on my credit report, which I thoroughly investigated and found to be unverifiable, invalidated, inaccurate, and questionable. This situation has led to XXXX  XXXX, as your agency did not ensure the 100 % accuracy of the reported items, as required by 15 U.S. Code 1681e ( b ) ( b ) - Compliance procedures for maximum possible accuracy. 
XXXX. This late payment status is irrelevant XXXX XXXX XXXXXXXX Account Number : XXXX The late payment in the past was settled. I'm currently on time with my payments. Please update this account immediately According to the aforementioned code, consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of information related to the individual when preparing a consumer report. Unfortunately, the items on my report do not meet this standard. 
Referring to 15 U.S. Code 1681i ( 5 ) - Update of Inaccurate/Invalidated Credit Information , if, after any reinvestigation, the consumer reporting agency finds disputed information to be inaccurate, incomplete, or unverifiable, it is mandated to promptly update or modify that information based on the reinvestigation results. Additionally, the agency must promptly notify the furnisher of the information about any modifications made on the consumer 's file. 
If you are unable to provide verifiable proof within 15 days after your investigation, I request that you update the account and/or information on my credit report. 
Thank you for reading my concerns have a great day ahead to all Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my credit report from Experion. Where they show my addresses of where I have lived, they are showing 2 different addresses at the same time which is incorrect. I have lived at one address since 1992, till present. Can this be corrected?
Product: Checking or savings account

On XX/XX/XXXX XXXX XXXX  My debit card was charged XXXX usd at XXXX. I never authorized this payment. I have been out of the United States for the past XXXX years. At the time of this traction I was in XXXX. XXXX is not a registered company nor do they have any stores in XXXX. I have never added my bank card to XXXX and it has been over XXXX years since the last time Logged into the XXXX website. On XX/XX/XXXX I called my bank as soon as the charge was settled to start the dispute process. They denied my dispute claim on XX/XX/XXXX. XXXX working business day is not enough time to reach out the merchant to request a chargeback or any information to the case. I called chime bank to see why they denied my claim and they sent me an email with the documents they used to determine my dispute resolution. In the attachment they did not provide any information from the merchant showing the details of the transaction. No IP address, no phone information, no geo location. The only document they provided was the initial question the chime agent asked me when I called in to dispute the transaction. Chime Bank is not properly investigating Fraud cases. They are automatically rejecting disputes without reaching out and getting vital information from the merchant.
Product: Debt collection

I received three separate " collection '' letters from the is company with the same account number with three different balances owed all dated the same day. 

They claim they are attempting to collect a debt on behalf of the XXXX but I do not have an account with the XXXX. 

I have toll tag account with XXXX and am charged for all my toll fees through it. I have had the XXXX  account since I registered my car in XX/XX/2018. 

I contacted them to dispute the debt and they told me to contact XXXX to find out why they have bad information. 

It is not my responsibility to figure out why this company is illegally collecting on a debt. 

Sending the three letters on the same day with different amounts is a very clear violation of UDAAP on top of the violation of not validating the debt as required by federal law.
Product: Debt collection

I have tried to dispute this item with company informing them this isnt my account and they havent tried to work with me at all wont even talk to be but reporting it on my account
Product: Checking or savings account

I just got a final letter from bank that everything is on my end. And all the transaction is on my side. But i still did not do any business with the merchant that is in XXXX or other countries outside. I looked up all their merchant, but i did not receive any service or business with them. Therefore, even if i did made this transaction which i didnt i am requesting full refund. 

Weird thing is they said all the transactions are made by me but they partially returned in total of {$200.00} out of XXXX $ which is very weird. I would request specific reasons of denial and exact proof how did transaction is by me, and if they even tried to contact merchant, and if merchant is evenworking under us business legally. 100 % they are money laundering services, by just looking at XXXX. 

I have negative balance money because of this. And i am gon na prepare for lawsuit with the cosumer legal lawyer with the police report with my social media and public news team.
Product: Credit reporting or other personal consumer reports

After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. 
Below are the errors I have identified : WELLS FARGO FINANCIAL XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or WELLS FARGO FINANCIAL customer service representative.
Product: Debt collection

On XX/XX/2018, I placed a phone call to : The Law Office of Nelson and Kennard XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX This phone call was in reference to a credit card debt from XXXX  XXXX XXXX. My intent was to negotiate a payment plan and to avoid a judgement. I asked a simple question to the floor supervisor who I was on the phone with to try to understand what we were agreeing to : " So, what you're saying is that if I make a payment by Monday ( or I may have said the specific date ) you won't file a judgement? '' The supervisor did everything they could not to give me a direct yes or no answer, she kept waffling. I kept rephrasing my question because I wanted a direct answer, I wanted a yes or no or I wasn ; t going to agree to anything but I remained calm and continued to try to understand by asking questions. The supervisor became disgruntled and started yelling at me over the phone all because I was trying to understand something that she was not giving me a straight answer to. The supervisor was basically be-belittling me by yelling at me repeatedly and saying things like " WHAT PART OF THAT DON'T YOU UNDERSTAND!!!!??? " for me failing to understand her indirect, waffling response. 
By doing this, the supervisor violated the FDCPA 806 ( 5 ). She  repeatedly annoyed me by yelling at me in a be-littling, abusive way.
Product: Credit card or prepaid card

Barclay closed my Barclay Arrival Plus credit card that I 've had for years without warning and gave me a vague reason " account usage history '' and  refuse to give me any specific details. I use the credit card for all my daily expenses and bills. The closure of the account caused issues with missed payments and inability to pay for something when I expected the credit card to work. I paid an annual fee of {$89.00} to use this credit card but they shut down my account and did not refund me the annual fee. In addition, I have about {$15.00} worth of travel credit I earned that I ca n't redeem anymore.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the consumer reporting agencies listed below along with the accounts listed below has violated my federally protected consumer rights to privacy and confidentiality. 
Consumer Reporting Agencies : Experian, XXXX and XXXX 1st : Account Name : XXXX XXXX XXXX Account number : XXXX 2nd : Account Name : XXXX XXXX XXXX  Account number : XXXX 3rd : Account Name : XXXX XXXX  Account number : XXXX 4th : Account Name : XXXX XXXX  Account number : XXXX 5th : Account Name : XXXX XXXX XXXX XXXX  Account number : XXXX This account has violated my rights under these federal laws : * 15 usc 1681 section 602A states I have a right to privacy.

* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent.

* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent.

* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights.

* Late payments are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Because of that, I want these accounts immediately deleted off my consumer report from all consumer reporting agencies. 

These violations of my rights has seriously hurt my personal and professional life in getting approved for loan offers, credit card offers, and a mortgage for my home. 

Attached are copies of their violation of my rights : Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against XXXX XXXX, XXXX, Experian and XXXX, I request this collection company to remove this account from my credit report, with XXXX, Experian and XXXX, since it has been opened under fraud, without my authorization or permission. This account is fraudulent, in this complaint I will give all the documents, such as Police Report, affidavit for identity theft, I consider that this information that I will provide is just enough to block this account that does not belong to me.
Product: Vehicle loan or lease

Subject : Response to Request for Damage Disclosure Signature I entered into a lease agreement with Tesla and after taking delivery of my vehicle ( XXXX XXXX XXXX XXXX : XXXX ). Tesla never shared and damage to the vehicle, or provided documents of of damage, however, after taking delivery they stated there was damage to the vehicle. They are requesting that I rescind the contract or sign the damage disclosure, and will not provide any other options due to their lack of transparency and constituing dealer fraud. I have shared with Tesla, that my signature on the Damage Disclosure lacks legal grounds, as the damage in question was not disclosed to me at the time of purchase. 

Furthernmore, this was significant damage where the entire HV battery was replaced prior to delivery and you would think Tesla would've shared that or I woud 've not agreed to take delivery of this vehicle. This omission raises significant concerns regarding Tesla 's compliance with consumer protection laws and their obligation to disclose material facts about the vehicle prior to sale. 

Additionally, the signature request sheet titled Damage Disclosure references not only a previously damaged and repaired item, but also a new " remaining item that requires disclosure. '' This statement is particularly troubling, as it suggests there may be additional undisclosed issues with the vehicle. I request immediate clarification regarding this " remaining item '' and a full explanation of why it was not disclosed at the time of purchase. 

Given that Tesla has not responded to my e-mails or provided any realistic options, I will be escalating to the CFPB and potentially litigating this matter due to dealer fraud. 

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

First ... ..I am at an ABSOLUTE LOSS AS TO WHY EQUIFAX HAS BEGAN PLACING MY FULL SSN ON THEIR REPORT ... ... .This is something VERY NEW ... .and AMIDST ALL their " PROBLEMS '' You would think they would not do that ... ... so MY FIRST COMPLAINT is ... ... STOP PRINTing my entire SSN!!!!!! Next is I received in the mail that they have verified a fraud account as accurate ... ... .that 's great ... ... not only does Equifax continue to show XXXX XXXX as valid although it is not ... ..Equifax now reports an imaginary account that they wrote as a " charge off '' ... ..amazingly has given itself! How is this account open????? Closed? Charged off????? It 's not mine!!!!! Is this how they plan on treating all the people they allowed their data to be breached???? .Because of course Equifax is aware that ANY ONE can simply " access info ''. A computer can not verify who you are. So Equifax ... ..send me your DOCUMENTS!!!!!!!!!!!!!! You are telling me this make believe account is " verified '' ... not because of a papertrail, but because my name was placed into a computer program.Is this how Equifax plans on handling their recent breach ... ..All names and birthdates of victims will be deemed " verified '' on a bunch of fraud accounts Equifax helped to create ... .... Real nice of you to have consumers holding the bag ... ... for your lack of security.!!!!!!
Product: Credit reporting or other personal consumer reports

This account information is inaccurate and unverifiable I DO not have A contract with XXXX XXXX XXXX this has done major harm to my score transunion must fall into compliance with all the other Bureaus who are not reporting false information! I have disputed this constantly and also reached out to the creditor which they have failed to provide any documents with my signature. I have been in constant dispute since XX/XX/year> I have proof that the other bureaus are not able to verify information. Please get this fixed asap. 15 USC 1681 also they are violating my rights as a consumer in Texas they can only report 4 years and its past 4 years and they are still reporting this information which violates statute of limitations.
Product: Debt collection

Paid amount to original creditor ( XXXX ) XXXX stated that it would be a pay for delete from my report if the amount was paid in full. They also confirmed that the collections account would be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX  - XXXX - {$1200.00} Inquiry XXXX XXXX XXXX XXXXXX/XX/year> Personal Information Current Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year>
Product: Debt collection

On XX/XX/XXXX My XXXX  sent this company a letter stated that this account is not mines its has been over 30 days and the fair credit report act states by law that you have 30 days to respond to my letter i have also contacted this company and told them my self that the debt is not mines if this issue doesn't get resolve i have no choice but to use legal actions my XXXX  and i are giving you a fair Waring please contact the main credit bureaus and tell them to remove this from my credit report ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ACCT # XXXX Date Opened : XXXX XXXX, 2014 I did a thorough investigation myself and noticed various inaccuracies. I have already tried fixing this problem with the company. 

In accordance with the Fair Credit Reporting Act XXXX XXXX  # XXXX, has 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 an account without my written instructions. 

15 U.S.C 1666b A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Product: Student loan

I am a co-signor on a private student loan for my sister. I worked hard to repair and maintain my own credit history along with my own student loan debt. I recently reached a FICO score of XXXX. My sister, just this month, became 60 days late with the Navient loan I co-signed. JUST this month my FICO credit score dropped to XXXX! The ONLY negative factor on my credit report was Navient 's missed payment reports to Credit Bureaus. I called Navient and spoke with an agent XXXX XXXX ' telling him I could manage to make the payment but could Navient please provide me with a copy of the Positive report or form of communication that they would make to Credit Bureaus to relay the account as current. XXXX XXXX told me he " ca n't do that. Do you know how credit works? '' He said Navient did NOT have the ability to do that. Finally, I told him that I will seek more information and I was not going to make the payment at that time. In a threatening tone he reminded me that the phone call was recorded and 'they ' would know why I was n't making the payment. 
The very next morning I checked my credit score and it dropped another XXXX points! XXXX XXXX ' had vindictively reported my co-signed loan as 60 days late AGAIN on XX/XX/XXXX after speaking with him over the phone. How many times can Navient report the SAME negative information to damage my credit? Within the SAME month?
Product: Checking or savings account

Chime " Bank '' emailed me with instructions on how to unlock my account. I have never had a Chime account - I have never done any business with Chime - I have never contacted Chime. There is no reason for Chime to have my email address. I suspected someone had opened an account with my email address - or was trying to do so. 

I reached out to Chime, and their online " Help '' bot instructed me to email them at XXXX. After a few emails back & forth, Chime requested a picture of my driver 's license and the last four digits of my SSN in order to investigate. 

Chime found no account in my name, and attributed their initial email to me as a " glitch in the system ''. they said there was no further concern. But Chime should not even have my email address on file- unless someone provided it to them under fraudulent terms. I asked Chime to investigate further, and I am waiting for their reply. But they were responding within the hour previously, and I have not heard from them today. Please advise. I am concerned someone is trying to open an account with this " bank '' using my personal information - and Chime does not seem to be concerned.
Product: Money transfer, virtual currency, or money service

I deposited {$100.00} to my Skrill account and they sent me an email after 5 days saying it was finally processed and in my digital Skrill wallet, however its not in my actual account, my bank was charged over a week ago and nobody knows where my money wentt. Theres no customer service or phone number.
Product: Debt collection

I called the debt collection agency the morning of XX/XX/23 to ask them to write a release of debt letter following a payment in full that I was offering to pay to settle the account. I had already been in contact with the original creditor and had been emailing them back and forth for months regarding this bill and then got sent to collections and didnt receive a statement or bill regarding the collection until it appeared on my credit report this week. Debt collector said they could report account paid in full but not remove collection from my report and to call the original creditor which is XXXX XXXX. I called them next this morning and was told the same story about how they couldnt remove it from my credit report despite full payment. I told them both I had proof it could be done and they were lying because I had it done 2 years ago from another debt collector company. I paid the balance of {$300.00} in full with XXXX XXXX and now need to get the debt collection agency to remove this collection from my account entirely since I paid the original bill with the creditor and bypassed then all together. Also the bill I paid was already reduced {$150.00} because of a fraudulent cancellation fee added to it. My ex gave me a 5 day notice to vacate our shared home with my kid and then cancelled utilities and stuck me with the bill in full. Thats the situation I had been going back and forth with disputing that the charges were even mine to begin with. Please remove this collection from my account completely and since its paid in full.
Product: Credit reporting, credit repair services, 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. 
U.S. DEPARTMENT OF EDUCATION # XXXX, U.S. DEPARTMENT OF EDUCATION # 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 XXXXXXXX # XXXX, has 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 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.

15 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.
Product: Debt collection

They keep calling me although they have the wrong name. I told them in so many words but they still call.