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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXXXXXX Balance Owed : {$2900.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$750.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX DEPTEDXXXX XXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX Balance Owed : {$2900.00} ; XXXX XXXX XXXX Balance Owed : {$750.00} ; XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received XXXX response today about the bankruptcy issues. They stated that they verified it with The United State Bankruptcy court which is a lie because they don't report any bankruptcies. XXXX can't verified the Bankruptcy either. So where are they getting they information from? I talked with XXXX and they stated that they sent out the alert about moving the bankruptcy be they never complied to their instructions. Please see the attached documents. Someone is lying and its isn't the courts nor XXXX. XXXX told me to ask you all to provide the correspondence that XXXX had with them. So I can provide the correspondence to XXXX XXXX. According to XXXX XXXX its law for XXXX to provide documents as they stated in their response. I talked with the Bankruptcy secretary and she stated that some. She asked me to ask you all to provide her signature and correspondence that you all proclaimed she verified the account as accurate. Please remove this inaccurate information from my credit report. Please see the attached documents.
Product: Debt collection

XX/XX/21 - I would have to look at call logs for the other calls. However, for the past year this company has contacted me claiming I've " maliciously defrauded '' a company and need to pay them immediately. A prior rep of theirs did collect XXXX dollars from me and I have yet to receive any communication or documentation on the debt owed or who it's even owed to. They claim to be a " mediator '' and that I will be taken to court if I don't pay them. Again, I've asked for documentation and again, received none. 

They've also had reps claim to be process servers in the past. 

Today, they contacted my current employer, which I did not work at at the time of my alleged debt. I have in no way given them, or the alleged original creditor this information. 

They have continued for the past year to contact my ex-husbands extended family members both on their work and personal cell phones. Even after being told they don't know me. 

Today a rep told me my refusal to comply with her after I asked for their address and information, which is my right, that " this is why I'm in this situation ''. This is harassment, bullying, impersonating legal entities, continuing to call after being asked to stop. 

I will be sending a stop request via mail per the fair credit act and hopefully this stops.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the record, there was no response and negative information is being erroneously included on my report, as I have advised you on two separate occasions, more than 45 days and again 5 days ago The investigation took longer than 50 days. This is a Direct Violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( a ) As you are well aware, federal laws requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp, No. 95-6445 ( C.D. Cal Nov. 14, 1995 ), you will be liable for your willful non-compliance. Please Remove All Fraudulent accounts as I have no knowledge of these accounts due to the Equifax XXXX XXXX Identity theft. All is being investigated by the FTC I am also keeping the companies listed below informed for your willful non-compliance : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX  CC : State Senate CC : Federal Deposit Insurance Corporation CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by XXXX/XXXX  OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX  is the only out of 3 agencies that have not put the freeze as requested, that both Transunion and XXXX  did, and this in addition to several other inquiries started after the XXXX data breach publicly known.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XX/XX/XXXX.
Product: Debt collection

Company Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Management Office Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Complaint Details : I am filing this complaint against XXXX XXXX and XXXX XXXX XXXX XXXX for fraudulently claiming I owe a balance of {$2400.00} related to my former residence at XXXX XXXX XXXX XXXX XXXX XXXX. Despite multiple requests, they have failed to provide any documentation to substantiate their claim. 

Timeline of Events & Actions Taken XX/XX/year> : I sent a formal letter to XXXX XXXX XXXXXXXX XXXX requesting a detailed statement of charges, a copy of my lease agreement, and payment records. I disputed the balance and stated that until documentation was provided, the debt should not be reported to credit bureaus or collections. 
XX/XX/year> : I sent a second formal dispute letter to XXXX XXXX restating my request for verification of the charges. I emphasized that I had no signed lease agreement with them, was moved multiple times due to management-related issues ( flooding, fire sprinkler malfunction ), and ensured my unit was professionally cleaned upon move-out. 
As of today, I have received NO response from either party. 
Why This Debt is Invalid No Lease Agreement : I never signed a lease agreement with XXXX XXXX, yet they are attempting to collect a debt without providing proof of a valid lease. 
Repeated Displacements : I was moved XXXX times due to property mismanagement and maintenance failures. These moves were beyond my control, yet I am being charged without justification. 
XXXX XXXX : My final unit was professionally cleaned, making any " cleaning '' or " make-ready '' charges highly questionable. 
Failure to Provide Documentation : Despite written requests sent via certified mail, they have not provided a lease agreement, payment history, or an itemized statement justifying the {$2400.00} charge.
Product: Debt collection

Last week XX/XX/2021 - XX/XX/2021 Received a " Statement of Account '' in the mail from the following company : A.R.M Solutions, XXXX XXXX XXXX, XXXX, CA XXXX Statement claims I owe {$18.00} for a XXXX XXXX subscription XXXX I have NEVER had a XXXX XXXX subscription. 

I did some basic research about A.R.M Solutions and found it to be known as a SCAM company. That is why I chose not to make contact with them sensing I would just get the round around and pressure to pay what is not a legitimate claim. 

Filing complaint to ensure this false debt does not get on or have it removed from any and all credit reporting entities.
Product: Credit reporting or other personal consumer reports

This account is 100 % paid and closed remove it from my credit report.
Product: Credit card

Summary : in XXXX  Chase Travel Services sold me a plane ticket that did not exist, and did not inform me of such. I arrived at the airport for my flight, to be told by the airline that the flight had been cancelled before I even purchased my ticket with Chase Travel. I was forced to book a last minute flight, at significantly higher cost out of pocket. Chase Travel refunded me the amount of my original purchase and refused to compensate me in any way for the significant inconvenience ( or materially higher price ) to book flights same-day with XXXX hours notice. 

Series of Events : XX/XX/year> : XXXX XXXX ' travel partner cancelled their scheduled flight on XX/XX/XXXX XX/XX/year> : through Chase Travel 's online portal, purchased first class flights from XXXX XXXX to XXXX XXXX XXXXXXXX for travel on XX/XX/year> on XXXX XXXX. Total cost for XXXX tickets was roughly {$5000.00} XX/XX/year> : I arrived to the airport in XXXX to be informed that the flight I had been sold via Chase Travel was cancelled weeks prior. And the only option to depart that day was to purchase XXXX tickets total cost of ~ {$12000.00} for my partner and I to travel back to XXXX XXXX XXXXXXXX. Chase was completely unresponsive during this process and was unable to help. 
I spent the next XXXX months back and forth with Chase Bank and Chase XXXXravel trying to get them to rectify the situation. They never took responsibility for selling me a non-existent ticket, and despite their protections/ guarantees in providing equivalent classes of travel if they make a mistake, they failed to provide any compensation beyond refunding my original purchase of ~ {$5000.00} for the non-existent flights. This left me ~ {$7000.00} out of pocket in having to buy international flights on the spot and being completely abandoned by my credit card provider and the travel service ( Chase Travel ) on which i booked the flights.
Product: Debt collection

The company stated they sold the vehicle which was repoed after I got it back through bankruptcy from the XXXX XXXX repossession of the vehicle.The engine blow due to water pump timing issues.The company stated they sold the vehicle for {$1100.00} USD and I owe them for a car I'm not in possession of and it's Bringing my credit score below.Please contact All three credit companies please and remove this discrepancy.
Product: Debt collection

The company only allowed check, or a bank draft check to be a form of payment and I tried to send checks and they kept getting misplaced, I attempted to use there method of payment that would do a bank draft from my account it would not work also. I spoke with an computer engineer for there billpay service and he said it was an issue with there banks system.or mine I did not know.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - The following inquiries were not authorized and should not be reporting. 

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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: Mortgage

My Loan Servicer is Caliber Home Loans. I wrote to them about understanding my options regarding a loan modification. I sent my question to them at the end of XXXX. My spouse heard from them on XXXX XXXX, 2015. Caliber staff refused to discuss modification options. They said once they have updated financial information, they alone will decide what options, if any, we have. Caliber has been difficult and rude. Under the present terms of our loan, we are supposed to assume a 20 year amortization. How can we understand our rights? I am XXXX and trying to assist my spouse in this matter. Please respond to XXXX of us at : XXXXXXXXXXXX XXXX XXXX XXXX ) and XXXXXXXXXXXX ( XXXX XXXX ). The home telephone number in Virginia is XXXX. Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XX/XX/XXXX  CFPB, XXXX XXXX XXXX XXXX XXXX for Inaccurate Reporting on XXXX, TransUnion Credit Report Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX regarding their inaccurate reporting of an auto loan account that I previously held with them. 

Throughout my time with XXXX XXXX XXXX, I consistently made my payments on time. However, upon reviewing my credit report from Annual Credit Report, I was alarmed to find that this account is inaccurately reported as a " charge-off. '' Furthermore, my XXXX  app indicates that the account status is listed as " Legally Paid Less than Full Balance CLS. '' It is important to note that a charge-off typically occurs between 120 and 180 days after an account becomes delinquent, which is not applicable to my situation. I believe this misreporting is in violation of the Fair Credit Reporting Act ( FCRA ), and it has negatively impacted my credit standing. 

I will be uploading all supporting documents related to this claim, including payment records and credit reports, to substantiate my position. 

I request that the CFPB investigate this matter and assist me in resolving this issue with XXXX XXXX XXXX. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Experian closed 3 complaints in seconds of each other all with different absolutely ridiculous explanations
Product: Credit card

I have had an American Express XXXX card for many years. The traditional XXXX card does not have any interest or service charges if paid if full each month. I use the card daily for every day expenses and pay the card balance in full each month. Recently my husband and I remodeled our home and decided to defer some of those expenses by using the " Pay over time '' option of the card. Today I wanted to pay {$1000.00} directly to this portion of the card to reduce the balance that is being charged a finance charge. When I called AMEX to do that I was told that any payments are first applied to new charges ~~ which means it would be applied to charges already made but not yet on a statement to pay. Not allowing me to pay directly to this line of credit to reduce the amount being financed seems totally unfair and as a consumer very abusive. I asked for a supervisor and was told the same thing. The only way to pay off this balance is to basically not use the AMEX card so that all payments go directly to the pay over time portion, which is at 18 %... 
I filed a complaint with AMEX but expect no response from them. 

XXXX XXXX XXXXXXXXXXXX
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. CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX 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 an 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 have written to Diversified Consultant on several occasions, most recently XX/XX/XXXX, requesting validation of the debt. They not only stonewall and not answer my request as required by law but fail to mark the account as in dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX, AND XXXX FAILED TO INVESTIGATE MY DISPUTE ON THE MULTIPLE inaccuracies on my credit report. They have failed to do their job when it comes to challenging alleged negative items on my credit report. They failed to do there job, which is causing severe damage to my character and my life. Ive sent them multiples of letters and they failed to do their investigation. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. They violated my rights under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation.
Product: Payday loan, title loan, or personal loan

Account showing up on my credit report and I have no kn0wledge of account or any business dealings with this company. 

They say loan taken out XX/XX/2017 for {$5000.00} and was to be paid from XXXX XXXX checking account XXXX routing number XXXX. Nether exist.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I noticed a significant discrepancy in my credit report related incorrect account information and incorrect balances I immediately disputed the error via the online platform and provided all the necessary documentation to support my case. However, despite my efforts, the incorrect information remains on my report, and I have not received a satisfactory response or resolution from the credit reporting agencies. 

This error is negatively impacting my credit score, and I am deeply concerned about the ongoing delay in rectifying this matter. I expect Equifax to investigate the issue promptly and make the necessary corrections.
Product: Credit reporting, credit repair services, or other personal consumer reports

A dismissed bankruptcy listed on my credit report with Equifax.According to their policy ( EQUIFAX ) They report bankruptcies for 7 to 10 years.The fair credit reporting act mentions nothing in section 1681c relating to bankruptcy about dismissals or filings.The law states from date of adjudication or date of order of relief.
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law.Therefore Equifax has no right to maintain information which the government deemed nonexistent.
Therefore pursuant to section 1681 ( a ) ( 5 ) of the FCRA, Equifax must delete this information from my credit file.
( See attached letter previously sent to Equifax )