23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XXXX And I had a bank account with XXXX for almost 10 years with the account number being XXXX. I was a successful businessman, conducting my business and a legal fashion and depositing over {$1000.00} every seven days into my Chase account, with this history, I was granted a loan for {$40000.00} which would be paid in two installments of {$20000.00} within the month of XXXX and XX/XX/XXXX unfortunately circumstances arose in my life, and I was taken to XXXX on XX/XX/XXXX and charged with a bunch of crimes and later made bond on XX/XX/XXXX to Find My deposits were in fact received, and someone fraudulently access my account and immediately disperse these funds, criminal manner! The thieves were so bold that they walked into Chase Bank and withdrew {$12000.00} in cash with my stolen ID that was acquired with my stolen wallet and debit and credit cards while I was incarcerated when I was released I immediately let Chase know the situation, and we were taking steps to work toward Getting this resolved I was in and out of speak over the next six months and eventually Wash sentence and XXXX in the month of XXXX not being released until XX/XX/XXXX. I have already started a dispute process over the funds that were taken from XX/XX/XXXX until currently I have been granted provisional credit because they have agreed that the information I provided was accurate enough for them to know I was XXXX however, upon trying to. Get my {$40000.00} back for which I am currently paying off the loan they were giving me a very hard time and then they eventually close the charge off account permanently and told me they could no longer provide information nor they give me copies of my disputes or reimburse my money This is a huge mistake. This is the most money I ever got in my life and I didnt even see one scent of it. I got out of XXXX from Chase and continue to work, and I did not close my account for fear of losing my history and credit being damaged I continue to work and still deposit into this account until I was incarcerated to serve my sentence, I would not lie about this. This is the truth. Apparently some white guy walked into Chase Bank with my ID and an altered picture and was able to withdraw {$12000.00} in cash.! I didnt even think that that was it. Most certainly was not me. I am a XXXX XXXX XXXXXXXX XXXX man and I was XXXX during the time of this. Please assist me and get my money back. I am not best with dealing with these types of things and I constantly keep being hung up on and called a liar, and when I explain my story, people were here the XXXX  part and automatically think I am up to no good. This has been a headache enough and I dont think Im getting anywhere with him. Please step in and help me get my money back. This is {$40000.00}. I just was released from prison that money would change my life and I deserve it. I am paying back this loan for a criminal the bank that was supposed to be my representation and defense a lot of someone to walk in and take {$12000.00} and cash out of my account.
Product: Credit card

I have a credit card with XXXX XXXX, and on XXXX occasions someone as been making payments towards my balance once for {$XXXX}, second for {$XXXX} and now {$XXXX} from TD Bank under my name in the form of payment by mail. I always pay my credit card payments to my XXXX credit card online using my checking account from schools first I never make payments by mail and I also have never banked with TD BANK nor does anyone in my family. I am afraid someone is stealing my identity to make these payments. I contacted my XXXX XXXX XXXX bank and they did not care and TD BANK has me on hold for hours.when they do answer they transfer me everywhere and then just hang up on me when I explain what is happening. Then say they are transferring me to fraud department they just hear radio silence and then it hangs up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries have appeared on my credit report by these creditors XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 

Account Name : 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 

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: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXXXXXX  of debt bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts. 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX INQUIRUES : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit monitoring or identity theft protection services ( billing dispute, unwanted marketing, problem cancelling account Did not receive outline of Do Not Refer Businesses During the Process of Company being opened ( FTC Complaints, XXXX XXXX, XXXX XXXX XXXX ) Posted information about my patients Health Records during the time without consent, Failed to attend 2 Fair Hearings leading to worsened Medical experience and showed other customers first priority checking accounts but denied me those options and banking plans that would have cleared up my credit score.
Product: Debt collection

I do not own this debt and I never remember having this debt in my life! How could you report this on my credit report?!
Product: Credit reporting, credit repair services, or other personal consumer reports

I questioned the validity of Experians investigation by demanding proof of the investigation, proof of the late payments and proof of any person that received any update about previous dispute. I believe every time I have submitted a dispute on this account Experian has violated credit reporting rules. Please see attached letter.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally request the removal of a charge-off entry from my credit report. I understand that this account XXXX XXXX XXXX Opened XXXX XXXX, XXXX  Balance : XXXX and subsequently reported to your bureau. 

I have taken significant steps to address and rectify the financial difficulties that led to the charge-off, and I would like to kindly request your assistance in removing this derogatory entry from my credit report. 

I acknowledge the financial challenges that led to the charge-off, and I take full responsibility for the situation. However, I believe that the circumstances surrounding this charge-off do not accurately reflect my current financial standing. 

I kindly request that you investigate and verify the details of this charge-off. If it is found to be inaccurate or incomplete, I request its immediate removal from my credit report. I am committed to rebuilding my credit and maintaining a positive financial profile. 

I understand that the reporting of accurate and up-to-date information is crucial for the integrity of credit reports, and I appreciate your attention to this matter. Please inform me of the results of your investigation and the steps taken to update my credit report. I am asking for your assistance to remove this charge off account in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Hello- I have been in chapter XXXX bankruptcy for a year and now I am showing delinquent on my student loan repayment. I have sent in my paperwork, my attorney has sent in paperwork, we have both called and spent hours on hold to no avail. I am beyond frustrated and now its affecting my credit score. Please let me know if I can do anything further to help. Im with Mohela.
Product: Debt collection

This was closed by Amerifinanancial close this complaint and did not explain why they close the complaint. Please advise of your action on this complaint so I can take further action if I need to.
Product: Payday loan, title loan, or personal loan

I took a loan out for XXXX on XXXX. I have made 6 payments so far for XXXX, then next payment comes out on XXXX, for a total of XXXX. 
Payment dates, XXXX XXXX. 
According to them, I still owe XXXX!?! .. I would like to know exactly how much interest they can charge on a loan like this.Ive already payed XXXX, for what, to repay XXXX out of XXXX, that's ridiculous, Please let me know my rights and what I can do if anything
Product: Debt collection

I hope you are doing well as I write this. I'm writing to let you know about an issue with my credit account that I have with your organization. Following an examination of my most current credit report, I discovered that late payments have been documented for my account. 

I am dedicated to keeping my financial obligations, and I recognize how important it is to keep a clean credit record. But I think the stated late payments don't fairly represent my dedication to fulfilling my duties with XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXXXXXX - This account was NEVER late. The late payment is erroneous. 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 XXXX - XXXX XXXX customer service. 

Please look into this for me and, if needed, take the right action to get the late payment entries erased from my credit report. Thank you very much for responding to this request so quickly. 

I appreciate your cooperation and understanding in getting this resolved. I'm looking forward to hearing from you favorably and keeping up our good working connection with XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon applying for a loan for a mortgage, i have received at minimum 50 calls in 2days, while Im at work, acquiring about a mortgage loan. My only assumption is the national bureaus, XXXX XXXX XXXX and experian have sold my information to these companies calling me. Its borderline harassment and stopping me from answering calls i actually need to answer for work
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.
Product: Credit reporting or other personal consumer reports

Company Name : MIDLAND CREDIT MANAGEMENT Address : XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX Phone number : XXXX Account number : XXXX Amount indicating owed : {$540.00} I have no acknowledgment of this company or this account. I have never done business with this company to owe such a debt. I have never been lent or borrowed any money from this company. I have never signed any agreement of a repayment to this agency. Im requesting that this company deleted this inaccurate information from my credit report because its violating my rights as a consumer. Im requesting that XXXX, XXXX, and XXXX remove this negative information from my credit report immediately
Product: Checking or savings account

Since we began banking with Navy Federal in XXXX, we have consistently encountered issues with the XXXX  protection program. Specifically, we had been charged multiple times a day for the disclosed fees. At times, we were also charged an overdraft fee even when sufficient funds were available in our account. They would alter the " post date '' to " legally '' impose these fees whenever possible.
Product: Debt collection

I was given this information thru my XXXX App and seen an account that I don't recognize. I called XXXX and was given the credit reporting agency who had recently concluded on my dispute that the information was accurate. So I tried contacting XXXX XXXX and was repeatedly hung up on for days. They will not furnish any information regarding this alleged account that was supposedly opened in 2007. I made my intentions known that I wanted a description in writing of how the investigation into proving accuracy was conducted. This credit reporting agency is who I want to file the complaint against because I don't believe they have effectively investigated this account. I have no knowledge of this account and was only trying to obtain more information on the original creditor.
Product: Credit reporting or other personal consumer reports

I have been the victim of identity theft. I already have a fraud alert placed on my consumer reports but I need to have addresses and names that I do not recognize removed from my consumers reports to prevent any further possible identity theft. There's already an extended fraud alert on my file.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605 B ( XXXX U.S.C. XXXX XXXX ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX, a personal credit card account opened at XXXX XXXX on XX/XX/XXXX, a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX, and a personal loan opened at XXXX XXXX XXXX XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquires and fraudulent collections appearing on my consumer FICO Credit Report. Ive attached a list of the hard inquires in question as well as a copy of the consumer FICO Credit Report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquires as reported. The aforementioned accounts, collections, and hard inquires appearing on my consumer credit report maintained by you were not opened, made, or initiated by made. All of the aforementioned accounts, collections, and hard inquires are the result of Identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquires are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying since early XX/XX/2019 to remove all open disputes and remarks from my credit file. Just last week experian said it was done. I then called XXXX days later to confirm and was told yes it was complete. I gave permission for the mortgage company to run my credit only to find that the disputes are still there along with remarks. 

Of course my score is now dinged with an inquiry which would be fine if this hasnt been a cycle of more than XXXX days. It is nearing XXXX. This is absurd that a company can make the same mistake and punish the consumer by dropping their score. 

Its inhuman and should be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX, I sent a request to have unauthorized and inaccurate late payments removed off from my credit profile. I asked by the provision of the Fair Credit Reporting Act, that these items be investigated and removed from my credit report. Under 15 U.S.C. Sec. 1681i ( a ) they must complete this investigation within 30 days of reeipt to my letter. These inaccurate late payments are dated XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. XXXX, XX/XX/XXXX.
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. 
Account name : 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 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

I am writing to formally request the removal of the collection entry on my credit report associated with account number XXXX which I am not aware of and I don't owe. The details of the account are as follows : Date of Collection : XX/XX/2023 Creditor : LEWIS MCDONNELL & ASSO I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I believe that the information reported is inaccurate. I don't owe this debt.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Experian For Removal 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 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 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: Debt collection

In the attached, the Company XXXX XXXX XXXX has three bills from medical providers that did not send to insurance, I have called and sent a letter indicating that they need to be billed to insurance ( in attached ). They just sent everything back and would not do as I asked in the letters.
Product: Payday loan, title loan, or personal loan

I got a loan for XXXX from this company. They had pull ed two payments from my acct equaling XXXX plus dollars. You would think my loan would be down to roughly XXXX dollars left to pay but it wasn't, I called the company to get a balance and the balance was over XXXX due to " fees '' and outrageous interest 299 %. I know these kind of loan company 's have been getting shut down due to their fraudulent activities and ripping people off, making an agreement they know is impossible to paynoff in payments etc ...
Product: Credit reporting 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 deleted by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix 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 XXXXXXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX VI XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has received a certified letter as well as documentation to verify my current address, full name, ssn etc. They refuse to correct the inaccurate addresses they have listed, even after receiving proof of residency from me. Remove any names other than my full name which is provided to them with my ssn card and drivers license.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since Ive begin complaints against Equifax with CFPB. Equifax has blocked or locked my credit profile. I believe it out of spite. I have attached my drivers license ( front and back ) my most recent bank statement and paystub to verify my identity and residency.