23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Reached out XX/XX/XXXX about a unauthorized purchase made on my account its now the XXXX of XXXX and they will not respond to me no provisional credit either despite federal law stating provisional credit is to be applied after 10 days of dispute being resolved was told they dont have to give me any kind of credit if they dont want too very rude and unprofessional
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this XXXX XXXX without any influence and this not a third party I Contacted company Mercedes-Benz about an auto loan showing in my name that is fraudulent. I tried calling them 23 times and I believe im blocked now I did not open this auto loan. Auto loan agency stated I needed a police report, my signature on a piece of paper five times, copy of social security card and drivers license. I dont feel comfortable sending a copy of the last three items in that list. I sent them instead my FTC report along with only a copy of my drivers license and a personal social security number to compare against on my drivers license address. Mercedes-Benz is based out of XXXX, MD according to the website and this loan was opened in XXXX, MD they informed me when I live in Illinois. These dont add up and should have been a red flag when it tried to be opened. I also had a credit freeze through XXXX and XXXX at the time this was opened and they still opened the account.this the account number ( XXXX ) that appears on my credit report balance {$42000.00} please help me PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified multiple accounts on my credit report that are a result of identity theft, and I wish to exercise my rights as a consumer protected under relevant laws and regulations. I have already taken the necessary steps to contact the companies involved in these accounts to inform them of the fraudulent nature of these entries. They have been made aware of the fraud and have acknowledged the issue. 
As a responsible consumer and as provided by the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act ( ITADA ), I demanded they take the appropriate actions to block and delete the following fraudulent accounts from my credit report : XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX, XXXX Account Type : Collection Status : Collection account. {$260.00} past due as of XX/XX/XXXX. 
XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Auto Loan Status : Account charged off. {$53000.00} written off. {$57000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Credit card Status : Open. {$150.00} past due as of XX/XX/XXXX. 
I understand that as a consumer, I have the right to protection against identity theft as mandated by the FCRA. I expect the CRA to conduct a thorough investigation into these disputed accounts within 30 days, in compliance with the FCRA, and provide me with written updates regarding the progress of said investigation. 
Moreover, I insist on the protection of my personal information as granted under the FCRA and the Fair and Accurate Credit Transactions Act ( FACTA ). Any information regarding my credit report should remain confidential and should not be shared without my explicit permission. 
I am aware of my rights to consumer report privacy as stipulated by the FCRA, and these CRAs are not respecting these rights. 
Please note that I have provided all relevant supporting documents as evidence of identity theft, including FTC reports and correspondence with the respective companies acknowledging the fraudulent nature of the accounts. 
I expect that this matter is treated with the utmost seriousness and urgency. This is the last time I am requesting cooperation in handling this dispute fairly. If these fraudulent accounts are not promptly removed from my credit report, I will have no choice but to seek legal action against these agencies for failing to comply with the law. 
As a responsible consumer, I have been vigilant in addressing these issues promptly, and I believe in the fair and accurate reporting of credit information. I trust that this matter will be handled with the respect and adherence to consumer law that it deserves. I look forward to receiving a response and to see resolution of this dispute.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

On XXXX XXXX, 2020 attempted to put a Credit or Security Freeze at Equifax online ... went through the process but came up with a message that they could not verify my identity and that I needed to call them. 

On XXXX XXXX, 2020 I called the number that was given me online ( XXXX ) and explained that I was trying to do a Credit Freeze online but I received a message that I needed to phone to verify my identity. Went through the security questions with the person on the phone, answered them all and then at the end, she told me that they could not verify my identity and that I would need to send them my Social Security Card and Driver 's License to them, which I find outrageous, the perfect combination of information that would allow for Identity Thief. I told them that I would not send that kind of information to anyone and that I wanted to talk with a supervisor. I was transferred to a Supervisor that did absolutely nothing but insisted that I send the requested documents. I told her no and that we would be filing a complaint against the company. I don't think Equifax has the right to make it impossible to obtain a Credit Freeze when they allowed a major hack to occur.

I absolutely did not have any problems obtaining a Credit Freeze from XXXX or XXXX. My experience with Equifax was unbelievable.
Product: Credit reporting or other personal consumer reports

Frauds, inaccurate reportings, double jeopardy : deleted priors reoccurring, discrepancies in data being furbished. 
XXXX has XXXX piece of information while TransUnion and XXXX report total different information. XXXX says XXXX open accounts XXXX closed ; TransUnion says another amount listed as well as XXXX for XXXX total accounts ; along with dates of origination and last reporting dates not matching : my Federally protected rights and XXXX XXXX has been defamed and in manners breeched. 
Also in existence are XXXX XXXX Credit compliance and Consumer Law Violation ( S ) 15 USC 1681 and 1682 Transactions and Experiences are ILLEGAL to Report between the CONSUMER AND CORPORATION OR PERSON.
Product: Checking or savings account

I opened an account with upgrade, I asked about a business account for convenience purposes they said they do not offer but the personal account will operate just like a business account no problem, On XX/XX/year> I received a deposit of {$25000.00}, Things were fine, I even made a wire transfer of {$2000.00} The next day, on XX/XX/XXXX, I got another deposit of {$26000.00}. 
Later my account was RESTRICTED/ SUSPENDED. 
They told me it takes 30 days to REVIEW the account, Then I made plans to pay bills handle my obligations, XX/XX/XXXX, they explained that there are business days and holidays, I called again they asked for me to be patient as this review could take 30-45 days to.complete Well into XX/XX/year>, No results, all I'm told is someone from the customer Conpliance Team would email me, Now they tell me 30-60 days, that ended XX/XX/year> There's still a hold, on my account, and noticed that there are XXXX complaints in the XXXX  for the exact same thing.. 
This company, is not a bank, it's a banking tech company, that should not tie up money, for what ever reasons, they have yet to answer from this mystery department, Customers are complaining they want their money back, they are ruining my business. 
Still there us no reply email, telling me what is going on with this account
Product: Checking or savings account

Under penalty of perjury, I hereby attest to the fact that neither I, nor anyone I know, authorized the XX/XX/2021 {$26000.00} ACH from my Chase business checking acct XXXX. This same person ( XXXX XXXX ) attempted to steal an additional approx. {$7000.00} on XX/XX/XXXX, but I was able to put a stop on that outgoing ACH. 

I have filed two claims with Chase Bank XXXX on XX/XX/2021, and XXXX on XX/XX/2021. Chase has denied my claim twice, claiming I have a relationship with the person who stole my money. This is categorically false, and Chase has refused my multiple requests to prove that I authorized this transaction ; undoubtedly, this is because no such evidence exists. My liability under Reg E is {$50.00}, as I reported this ACH fraud to Chase within 2 business days of it occurring.

In no way whatsoever did I benefit from the funds transfer. This money was unequivocally stolen from me, and I have never heard of anybody named XXXX XXXX, or any name remotely like that. I have no relationship with XXXX XXXX, and I have not idea who he/she is. I challenge both Chase and XXXX  XXXX XXXX to provide me with any authorization I ever gave to effect this ACH. 

My only business banking relationship with XXXX  XXXX XXXX is two XXXX XXXXXXXX Visa credit cards. I have provided evidence to Chase that the {$26000.00} unauthorized ACH was not directed to my credit card account. The only ACH I have authorized with XXXX is to pay my credit cards in full on the XXXX of every month. 

I have filed a police report with the XXXX XXXX XXXX Police Department ( case # XXXX ). Det Sgt. XXXX XXXX is investigating, and is having search warrants issued to both Chase and XXXX  XXXX XXXX. I also filed a report with the FBI at complaint.ic3.gov. I am meeting with Special Agent XXXX XXXX on XX/XX/2021. 

I demand Chase return this {$26000.00} to my business checking account immediately.
Product: Debt collection

This company was not the original company I had a contract with so I need : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Florida ; 5. proof of the last payment made on the account.

I submitted this request before 30 days had passed since they updated the account/amount owed.
Product: Debt collection

I was first emailed by the company about the debt that was owed on XX/XX/XXXX  The same exact day. I was then called by the company, and I let them know that the landlord had not got back with me about how to pay for the debt, but they told me that I still need to pay it. They then proceeded to tell me that I was lucky that it had not been reported to my credit yet. I told him I would call back later to try to get it paid. Once I was able to talk to my spouse, it had become late and they were closed. The next day XX/XX/XXXX  I was contacted again by phone from the same agency. I asked the debt collector nicely to call me later because I was at work. She then proceeded to get very hostile and say well. I was supposed to call back yesterday. Ive been informed her that by the time that I could call back it was past time and no one was in the office. I then told her that I get paid on Friday and I probably could make a payment. Then, she then proceeded to say good luck in a very nasty tone, as if something was going to happen to my credit. I told her she did not have to get nasty with me and I hung up the phone. I then called customer service to try to talk to a manager about how I was treated. while on the phone with the manager, the manager, then got nasty with me as well and told me that I was delinquent he then told me that I must not care about my credit because I was not making the payment today. I told him that I would try to pay it on Friday when I got paid, but he continued to be nasty about it and threaten my credit. I did then get nasty back with him because I felt threatened. At the beginning of this conversation, I try to explain how I felt dealing with the other agent, but he talked over me and would not let me finish a sentence.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/XXXX. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Experian : XXXX  XXXX XXXX ; XXXX  ; Date opened-XXXX  XXXX, XXXX This account was charged off on the following date XX/XX/XXXX. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Experian : XXXX XXXX XXXX ; XXXX  ; Date opened-XXXX  XXXX, XXXX This account was charged off on the following date XX/XX/XXXX. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Experian : XXXX  XXXX XXXX ; XXXX  ; Date XXXX XXXX, XXXX This account was charged off on the following date XX/XX/XXXX. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Experian : XXXX  XXXX XXXX ; XXXX ; Date opened-XXXX  XXXX, XXXX This account was charged off on the following date XX/XX/XXXX. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Experian : XXXX XXXX  ; XXXX ; Date opened-XXXX  XXXX, XXXX
Product: Credit card

Made a payment on my credit card on XXXX/XXXX/16 - checked balance today and found out the payment is on hold. Told by agent I had made too many payments the previous month so they placed a hold on the account. Transferred to supervisor and advised the hold was random and authorized by law and that the Federal Reserve had placed a hold on the payment even though it had cleared my checking account. Stated the hold would be in effect for an additional four days ( 11 days total ). I contacted the Federal Reserve and they stated there was no law putting a hold on payments by the Federal Reserve and they referred me to you.
Product: Debt collection

Explained finances were reduced during pandemic and denied assistance during the time account was active. Balance due is inaccurate. 
603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] : ( k ) Adverse Action i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX  XXXX by phone, and by mail, and even fax regarding fraudulent account that appear on my credit file. I have disputed this account as fraud and opened as a result of identity theft, I have also uploaded, faxed and mailed certified a copy of my very recent credit report to XXXX XXXX XXXX  XXXX and bank have ignored my fraud disputes, bank have neglected to utilize my recent credit report to block this fraudulent account from my credit file. I have exhausted all avenues available to me and followed the FDCPA guidelines to rectify these fraudulent accounts but I have continued to be ignored by the bank. The following account is not mine and is on my credit file as a result of identity theft/fraud that I reported to the local police department : XXXX XXXX XXXX XXXX Police report filed on XX/XX/2020 ) This is not my account and I have also communicated this same information and provided my police report to this business listed above, and it have refused to assist in the correction of the fraudulent information. It is all acting in a willful and malicious manner and continuing to defame my character by knowingly reporting information it has been fully informed was fraud.
Product: Money transfer, virtual currency, or money service

I am concerned with the mishandling of fraud reports by Zelle.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX, XXXX XXXX, XXXX, XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXX XXXX, XXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Debt collection

The Covid 19 Pandemic destroyed me personally as well as my XXXX I never requested any free money through the XXXX program or through unemployment insurance payments. My business was shut down, out of business for XXXX full years. Your financial institution received millions of dollars for offset losses from either XXXX funding or direct payments from the U.S. Department of Treasury. Yet I as a little part of the economy has suffered permanent destruction to her credit. This was and is unfair. I believe that your institution should dismiss my balance altogether. Your institution could send out a XXXX in exchange for the write-off. I see no other way out of my situation other than a XXXX XXXX filing. I pray that your institution can see through my problem and extend to me a complete write-off from any current indebtedness. Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX To Whom it May Concern, I recently pulled a copy of my credit report and noticed the following information is in error : Address Errors : XXXX XXXX XXXX XXXX, XXXX XXXX Phone Errors : Name Errors : My correct social security number is XXXX. With the amount of identity theft going on, I am very fearful that some could mistakenly identify me as someone else with this incorrect information on my credit report. 

Sincerely, XXXX XXXX
Product: Student loan

Due to permanent XXXX, my fully guaranteed student loan was paid in full and discharged. I am on XXXX. Yet, credit scores from XXXX agencies have not changed. XXXX was my loan provider until they changed it to Navient a couple of years ago. As the loan was fully guaranteed and paid in full, my credit score should have improved substantially. So the problem is with the credit reporting agencies and the way Navient reported the payoff.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive paid online one time payments every month with the same XXXX billing account for over 2 years. One month I noticed the money still in my account, I call, they say it didnt go threw because account not found then I say ok I still have time to make the payment date lets pay again, then its confirmed, I contact my bank to make sure everythings clear on their end which it was and I assume the payments paid, again. Then a couple weeks later I received a letter stating its not paid and Im behind. I call them again, they say again account was not found, they see the attempted payments and tell me theres a grace period, they apologize say they dont know what happened or whats going on and continue to take my payment again yet this time I might as well add on the next months bill. Now on my credit report its stating a late payment, Ive called customer service 5 different times questioning how it was late when it was there computer system error not taking the account numbers and every time they dont see a late payment but see the multiple attempts to make my payment then advise me to write a letter which I have twice and they say its accurately reported then I call customer Service again once receiving the letters and they dont see the late payment. they wont take this off my credit report when I have over three years of on time payments while this rrrors clearly a computer error ( I am still making my payments with the same account numbers to this day with no issues ).
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose