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

I have submitted a debt validation letter I have also submitted an cease and desist letter to Capital one and they have yet to validate this alleged debt on my consumer reports. And to cease all communication and consumer reporting on a debt they can not validate. They have sent a request for me to submit information such as an account number but in this exhibit c it will show proof that they have an account number that they assumed is my debt which is proof that they are fraudulent reporting a debt that is not mine on my consumer reports. It clearly states in their letter Capital One account ending in XXXX with my name on it as my alleged debt. How can they assume an account number belongs to me if they cant validate that this account is mine.
Product: Debt collection

Amsher Collection Services is reporting a debt on my credit report that doesn't belong to me. I have never had XXXX communications. Remove this immediately or I will seek damages.
Product: Money transfer, virtual currency, or money service

I was locked out of my PayPal account by an ex partner and PayPal knows this as they approved already some dispute claims I filed. But then I filed for another dispute that I noticed and I filed on XX/XX/XXXX and was denied over night by the morning they had reviewed my case, investigated and then proceeded to deny my claim and then close my account. I hardly believe that PayPal thoroughly investigated. In a few hours. I was my money back and a proper investigation. Dispute case : XXXX.
Product: Checking or savings account

This letter serves as an expression of utmost frustration and dissatisfaction regarding the current state of my Chime account. I have been a loyal customer of Chime Inc for over XXXX XXXX. However, my recent experience has left me severely disappointed and inconvenienced. 

As of now, I have been unable to access my Chime account for an undisclosed period due to what appears to be a misunderstanding regarding a series of refund payments from a legitimate company, I rightfully requested a refund. In response, they promptly refunded me {$2700.00} in the form of nine {$300.00} payments. 

To my shock and dismay, these entirely legitimate transactions have triggered an alarm within the Chime Inc system, resulting in the arbitrary freezing of my account. This action has not only disrupted my financial stability but has also caused significant distress to myself and my wife, as we solely rely on Chime for managing our finances. The implications of being denied access to our funds extend far beyond mere inconvenience ; it jeopardizes our ability to meet essential expenses, manage daily transactions, and uphold our financial responsibilities. 

Furthermore, I am deeply troubled by the lack of communication and transparency regarding the status of my account. Despite numerous attempts to rectify this issue through Chime Inc 's customer service channels, I have been met with unhelpful responses and a frustrating lack of progress. As a valued customer, I expected better treatment and a more efficient resolution process. I have submitted them with required documents almost 9 times now and they still haven't been able to address the issue. 

I implore Chime Inc to take immediate action to unfreeze my account and restore access to my funds without further delay. The continued blockade on my account is causing undue hardship and severely impeding my ability to conduct my affairs. Additionally, I expect a thorough investigation into the circumstances surrounding the freezing of my account and seek assurance that such unwarranted actions will not be repeated in the future.
Product: Checking or savings account

Sometime around XX/XX/2024 I called Citibank about an unknown charge just to verify if it was real or not. They directed me a location in the XXXX where the customer service rep without giving information said he was locking my account. I asked him not to do that as I had payments to the IRS. They blocked it anyways. Ive been trying to reach anyone and typically put into a loop that doesnt allow me to reach a live person or Im transferred to the XXXX again where Im spoken over and told inaccurate information without help. When I raise my voice after being constantly being spoken over, they hang up on me. Two months I have been unable to access my account, my autopays rejected, my credit has taken a huge hit and automated irs payments go unpaid. All while Im unable to access my funds to this day.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, and 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am applying for a air conditioning company and I was not able to get in because of a criminal record I had 11 years ago I believe it was supposed to be off my record by now? I would really like to get into this company
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX || Account Number : XXXX - XXXX/XXXX || Account Number : XXXX - XXXX/XXXX || Account Number XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have hard inquiries on my credit report I didn't due
Product: Mortgage

In XXXX  I filed for Bankruptcy and the mortgage holder at that time sent an XXXX out to the home. They charged me with the XXXX XXXX fee even though I was in the middle of the Bankruptcy. I discussed with my lawyer at the time and they told me to refute the bill citing the Bankruptcy. The mortgage company sold the mortgage before the Bankruptcy was complete and each time the mortgage is sold I ask the new company to remove it from my " overdue '' balance. Each time the company says that they'll look into it and then they never get back with me. I'm trying to get pre-qualified for a new loan and now this is hurting me as it shows that I'm perpetually overdue by over {$1000.00}.
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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX 
15 U.S.C. 16815-2 ( 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, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX accounts, has violated my rights. 

15 USC 1681 Section 602 States I have the right privacy.

15 USC 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account, loan or anything under any open end consumer credit plan as late for purpose.
Product: Mortgage

Filed numerous complaints against this company to no avail. I recently noticed Green Tree has my account XXXX ( XXXX days ) past due which is totally false. I have bank statements to proof it. billing showed a XXXX ( XXXX ) missed payments, even though my bank records showed they had cashed. This company are crooks.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account in dispute is being unlawfully being reported and is being reported in violation of Section 604 ( 15 U.S.C. 1681b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. This was a corporate account and mistakenly reported on my profile. I believe there may be an error on the payment status, payment history, and the comment to verify this information, correct this if there are errors, or remove this ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is recording a late payment from XX/XX/2019 on my account ending in XXXX. Ive called multiple times regarding this late payment appearing on my credit report to have it removed because its inaccurate & erroneous. They first told me it would be removed, then they told me it wouldnt be. I asked for an investigation regarding a phone call I had with one of their representatives who assured me that it wouldnt be recorded because of a discover error locking my username. However it has been recorded on my report for several years. Ive been reassured that it would be removed several times. It has not. Recently I spoke with them and they said its verified and theres nothing thats reporting inaccurately. They refuse an investigation into the phone call because they dont keep recordings over 12 months. So they refuse to prove that it was their error & refuse to rectify my credit report due to their mistake. Ive asked multiple times for an investigation, they have not provided any paperwork regarding an investigation. Ive pushed them on the phone to get something more definitive but they constantly hang up. It has been more than 45 days since Ive received anything written.
Product: Credit reporting or other personal consumer reports

I am requesting the removal of unauthorized inquiries from my credit report, as required by 15 U.S.C. 1681c ( a ) ( 1 ). These inquiries are inaccurate and violate the FCRA, specifically 15 U.S.C. 1681e ( b ), which mandates maximum accuracy. Under 15 U.S.C. 1681i ( a ) ( 1 ), the credit agency must resolve disputes within 30 days. If the inquiries can not be verified, they must be deleted. Failure to do so will result in legal action under 15 U.S.C. 1681n and 15 U.S.C. 1681o.
Product: Credit reporting or other personal consumer reports

Experian is reporting inaccurate information on my credit report and claiming it to be verified. According to the bankruptcy courts they have not supplied this information but Experian has them as the creditor. I have attached proof and wanting to know why they can continue to report false and inaccurate information on my credit report and claim it has been verified. I would like to know who verified this information at the bankruptcy court. This has been going on for months and it's ruining my life. This false information needs to be removed today. I do not have a bankruptcy being reported by said court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I tried to use XXXX XXXX service. And I found there that I have 10 credit inquiries. It considers as hard credit inquiries. But I didn't do it. Maximum - it's 2-3 times for 2 years. So I suspect the identity theft. Can you help me with it, please?

Here the list of companies, were I didn't take and didn't request for credit, but I am in the system, why??

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

I filed a dispute with the 3 credit bureaus asking them to provide verification on accounts on my credit under the fair credit reporting act 15 u.s.c 1681 section 609 ( a ) ( 1 ) ( a ). And to remove them if they can not send me verification
Product: Credit reporting or other personal consumer reports

Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account 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. 
-My social was provided and i was awarded a XXXX in that transaction This mean I HAVE EVERY RIGHT TO OPT OUT Under 16 1681b I never gave you written consent to report anything dealing with my personal information you gave away my name street address and put me in great harm You also are defaming my character and ruining my reputation made it impossible for me to get a safe home to live in because of this image you are publicly reporting to the world. 

During the last complaint you acknowledged every violation and then went on to say that you are reporting accurate information this response is not valid enough to stand with my dispute because the reporting agencies XXXX XXXX and experian is not a govermented agency They also are in violation with this criminal activity because they are considered a third party company you mentioned you are doing business with a third party company and with my personal information WITHOUT ME KNOWING AND AGREEING. I will be sending over a invoice per violation if the removal of XXXX is not honored. 

Also you mentioned you are reporting accuarate information but the information is completely wrong across all three agencies because i checked on each report there is different info reporting cant be accuarate if Im seeing XXXX total different reports
Product: Vehicle loan or lease

I bought a brand new XXXX Kia XXXX, after only XXXX miles the engine went out. The car was covered under the warranty that I purchased or that was provided. At the time of repair I was told by the dealership to get a rental on my own and seek reimbursment for it because if I got one through the dealership it would be over 1 month wait time. I have a signed contract from Kia Motor Finance stating they will reimburse me for the rental within 6 weeks but it's been well over 12 weeks and they just keep saying that they only cut checks on XXXX and that they have a lot of customers waiting for their promised reimbursements. XXXX and the XXXX is full of similar complaints. If this company doesn't have the funds to cover checks that they contractually promised within a certain time frame then they need to be filing or bankruptcy. They promised to pay within a certain time and that time has come and gone. They dodge calls and give XXXX answers when you do get in touch with someone.
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. 


XXXX XXXX : XXXX XXXX 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 XXXX XXXXXXXX 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 XXXX 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

I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 | presume that no proof of the alleged debt. Nor therefore any any such debt in fact therefore exist, ( please remove this account before I seek legal litigation for defamation of character ) .. XXXX XXXX XXXX balXXXX {$8900.00}, XXXX XXXX XXXX bal. {$400.00}, XXXX XXXX bal. {$1500.00} XXXX
Product: Debt collection

My mortgage was sold to Nationstar Mortgage, they have called me everyday multiple times even after I sent them a cease and desist notice. I have never missed a payment on this loan and have transferred auto pay to this bank, they will not stop calling me on my house or cell phone, they are harassing me for no reason, I need help to get them to stop!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

last year i attempted to correct this matter with you. the new law states that all veterans of my status were to have student loans forgiven and history deleted. XXXX  and the us dept of education has XXXX  out the balance but it still has account history as negative or delinquent. showing a delinquent status does not delete my history of negative payments as law instructs for XXXX XXXX and totally XXXX veterans like myself
Product: Debt collection

I have previously contacted the CFPB about repeated harassing t elephone calls from Navient. They have responded to my request to stop their calls through the CFPB. Navient responded on  XXXX /17 with the following response. " We do not have an account for you that we are able to locate, nor any record of your phone number in our system or calls to the number provided in your CFPB response. We have added your number to our do not call list. '' Navient continues to call my telephone number. Navient makes illegal harassing calls, and makes false statements to me, and the CFPB. Can any other federal agency address this issue. I can not be the only victim of Navient 's ill egal behavior.
Product: Debt collection

Disputing items listed on the attached letters due to FCRA 623 ( a ) ( 7 ) -negative information, FCRA 605 ( B ) FCRRA 623 9a ) FCRA 605 ( b ). There are addresses not belonging to me and have been spelled out in the letters attached. I have been caught in the XXXX  data breach and have submitted my affadavit to all bureaus, which is also attached. I am disputing negative info listed on the letters attached. I have called each bureau regarding my issues listed on each letter via USPS, fax, and electronic upload and to no avail. There are unauthorize accounts on each bureauand have been listed in each letter. Please remove these items as my family is displaced and this is preventing me from providing necessary shelter.
Product: Debt collection

I sent CENTRAL PORTFOLIO XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) a letter in XXXX with tracking number XXXX requesting Can you please provide the date of delinquency, a copy of the Dunning Letter, your license that you can collect on my state, a copy of the contract with the bill of sales, a copy of the application, a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which they are reporting to the credit reporting agency. I dispute the accuracy and the validity of the account. THEY FAILED TO INVESTIGATE AND RESPOND IN 30 DAYS! 

They responded with a letter with the date of XX/XX/21 and the letter is insufficient. 

CENTRAL PORTFOLIO is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 ; XXXX XXXX XXXX  XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX : {$100.00} ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Debt collection

There is information on my credit report saying that I owed Capital One {$3600.00} on a credit card last XX/XX/2008 and this inaccurate report impact my credit score big time. 

I tried several ways to dispute the report that I am not even aware of and I even hired a well-known credit repair company to have it removed but capital one was not able to remove it. 

I will provide you my personal information to support the investigation to prove that this is a mismatch of identity and this report is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I have mailed several disputes and no changes have been made, to XXXX, XXXX, and equifax regarding these accounts XXXX XXXX XXXX and XXXX XXXX XXXX. 

On my XXXX I have mailed several disputes since XX/XX/2014 and no changes made for First premier bank and XXXX XXXX which is listed on my credit report in error. 

Everything else is listed correctly. Please remove the incorrect accounts from my reports.
Product: Credit reporting or other personal consumer reports

Experian fraudulently charged me despite being unable to register my account months before said fraudulent charge, it was impossible to access anything they charged me for