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

The inaccurate information maintained on my credit report has not only resulted in significant financial harm but has also caused substantial XXXX  distress. The false representation of my personal and financial information is a clear act of fraud. It has deceived creditors and financial institutions, leading to higher interest rates, denial of credit, and an overall detrimental impact on my financial standing. This constant struggle to rectify these inaccuracies has inflicted undue stress and XXXX, undermining my trust in the credit reporting system. 

Moreover, the persistence of these errors despite multiple disputes exacerbates the situation, suggesting an element of extortion. By refusing to correct these inaccuracies, you are leveraging this misinformation to exert financial pressure on me. This coercion forces me into a position where I am compelled to take unnecessary financial measures, further aggravating my emotional and financial well-being. The distress caused by this situation is profound, as I am being unfairly penalized for errors that are beyond my control. 

The continuation of these inaccuracies represents a violation of my rights under the FCRA and FDCPA. The failure to correct or delete this false information, despite clear evidence and legal demands, highlights a disregard for the laws designed to protect consumers. This ongoing issue has caused not only financial repercussions but also significant emotional turmoil, impacting my daily life and overall XXXX  health.
Product: Vehicle loan or lease

I have a loan with GM FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and GM FINANCIAL with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX.
Product: Checking or savings account

I deposited money into my account last week on XX/XX/2021 for which I have a receipt for the amount of {$380.00}. I also had an additional amount already within my account for the amount of {$28.00}, for a total amount of {$400.00}. I transferred ALL of my funds to my savings account from my checking account within the hour, that same day to protect it from being drawn from before I pay off my bills. Before I can pay off my bills, on XX/XX/2021 I received a text message from Chime stating that my phone number has been changed on my account and to call the customer support number listed. I called said number only to find out v that because someone changed my phone number, I was unable to even reach a customer service representative!!! Can you believe it?!! So I had my husband, whom also had a chime account of his own, call the customer service center in order to speak to a customer service representative about my issue and possible account hack. After the longest phone call imaginable, I'm assured that they will TEMPORARILY freeze my account for me in order to pretect my funds until they are able to update both my phone number and email on my account so that I may access my funds within my savings account. However, even after they updated both my email and phone number, I could not access my account. I was told to email support at XXXX which I proceeded to do. A day went by and I heard nothing so I called customer service and they told me that they had up to 48 hours to respond to my request regarding an email back. So I waited yet another day. I did not, of course, receive a response. I sent ANOTHER email and yet another two days went by, with zero response. I called customer service once again, only to hear the same baloney, that they could do nothing for me and that ONLY the customer support through email could assist me. I explained that its been days, much past the time window quoted by two different service reps and asked to speak to a higher up. Their response is always that there is " no one else to speak to presently due to staff shortage '' and I can't imagine that that is true. If they mess up, I'm sure that someone has to take responsibility just like any other workplace ... So here we are, today is XX/XX/2021 and still I can not access my funds due to poor support from Chime. Please help me to get my funds back.
Product: Debt collection

Someone from Miller Stark Klein calls me several times a day, every day, at my place of employment in XXXX. 

The callers refuse to tell me why they are calling, saying only that it 's regarding " a complaint '' and that they are going to " file charges. '' The caller then insists that I confirm personal details like my birth date, address, and Social Security Number, which I refuse to do. They wo n't tell me what the " complaint '' is about or anything else about the issue. I was told that the call was being recorded and " would be used in court. '' They called back immediately ( within a few seconds ) after I hung up. The last person I spoke to gave her name as XXXX XXXX. The number on my caller ID displayed as ( XXXX ) XXXX, which is an Illinois number, but she claimed to be calling from North Carolina. When I hung up, she called back immediately ( not XXXX seconds later ) and continued to harass me ; the caller ID then displayed XXXX XXXX XXXX XXXX. 

I have told them more than once that they are calling my place of business and to stop calling me there, but they continue. I also told XXXX XXXX that if the debt is legitimate, she needs to send a letter to my address on file detailing the situation. She refused. 

These calls are being made to my place of business and need to cease. If this is indeed a legitimate debt ( and I 'm assuming it 's a debt, not some other type of " complaint '' ), this company needs to send written details to my address on file.
Product: Debt collection

Did not get the summons to go to court for this debt. Never got served. 
Started garnishment on this debt without my knowledge. I received notice a week after garnishment of paycheck.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against CCS XXXX Credit Collection Services ), for committing identity theft. I have never given CCS ( Credit Collection Services ), any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have not validated any alleged debt with CCS ( Credit Collection Services ) and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving CCS XXXX Credit Collection Services ) any right to collect on this alleged debt. 

I have never received any documentation requesting validation from CCS XXXX Credit Collection Services ), before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If CCS ( Credit Collection Services ), can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CCS ( Credit Collection Services ), can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and CCS ( Credit Collection Services ), continues its collection efforts, I will file for litigation for actual damages caused and CCS ( Credit Collection Services ), will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

Public record information inaccurate on my credit report,
Product: Debt collection

XXXX XXXX XXXX XXXX turned my diagnostic billings over to a collection agency -Credit Management sometime in XX/XX/XXXX. 
A payment plan was agreed to by XXXX XXXX XXXX XXXX beginning on XX/XX/XXXX. Payments are acknowledged on XXXX XXXX XXXX XXXX invoices but the collection agency continues its notices to collect. 
I advised Credit Management of the payments, provided them with copies of checks showing they were cashed and deposited by XXXX XXXX XXXX XXXX. 
Calls to XXXX XXXX XXXX XXXX shuffle me to Credit Management and Credit Management has not acknowledged receipt of payment copies or resolution of collection. Submitted check copies XX/XX/XXXX and XX/XX/XXXX with explanation. 
I have requested a statement showing all charges, insurance payments and my payments to XXXX XXXX XXXX XXXX with no response. 
I will continue to make payments until my account is closed but need to know the actual balance via statement and audit of payments.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I sent out 46 letters to the lenders and 46 letters to the credit bureau. Asking why I have the same credit inquiries over and over when I only applied one time. For 1 place it's really saddening to see why all these inquiries during the month of XXXX. Keep going through my account. And I didn't ask for this. They told me that I can go online shop for a car when I find the car. I like I can submit in application. I submitted my application and the entire Month of XXXX, my credits being ran from the same companies over and over and over and XXXX, went to one company.

Not only that, but I specifically told them they are not allowed to run my credit or find out what other loans are out there more than 2 times they did this more than 16 times on. XXXX XXXX times on equafax and 19 times on experien. This is complete outrage. These need to be removed immediately.
Product: Credit reporting or other personal consumer reports

My personal information is incorrect on my credit report I have inquiries that are XXXX XXXX XXXX. Some balances in debt are not accurate.
Product: Debt collection

I was approached by charter communications last year on XX/XX/XXXX of XXXX  they told me that I was was eligible for free one year long cable internet so I signed up they came over to the house at XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX of XXXX  and they hooked my internet up that same day the neighbor had cut the wire I never got to use the cable whatsoever The house was condemned it's still condemned to this day but yet they filled me for {$240.00} and now it is on my credit report and it should not be it was not under my control to do anything about it I complain to XXXX credit report about it they did nothing about it
Product: Credit reporting or other personal consumer reports

credit reporting agency reported two late payment accounts with XXXX and XXXX on their system. A dispute was submitted by phone and through the online site on XXXX XXXX with validation from the companies of the error.
Product: Credit reporting or other personal consumer reports

I went to the Mattress  Firm in XXXX XXXX at XXXX XXXX, asked to look at mattresses and stated that i did not want my credit ran. I did not sign up for any sort of loan or loan process and was informed via credit karma that a hard inquiry was ran against my account for a loan for this company.
Product: Debt collection

XXXX XXXX XXXX calls me extremely frequently dispite me requesting them call me outside of work hours. I gave them specific days and times to discuss matters with me but still they call. They call me on Sundays, they also call me Saturdays and past XXXX. They use fake phone numbers to contact me with local phone numbers so I mistake them for my clients while I am at work. I have asked them numerous times to not contact me via phone on weekends, yet they still do. I requested they only contact me via writing, they do not. It is harassment at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  - account # XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Delete this account in its entirety. Thank you, XXXXXXXX XXXX XXXX  - account # XXXX
Product: Credit card or prepaid card

XXXX  amount : {$220.00} Dispute Ask : {$160.00} On XX/XX/XXXX, my mom and I came back from a 15 hour flight from XXXX. We went to the XXXX  XXXX XXXX  that the XXXX XXXX provides for {$65.00} a ride. The cab driver was cursing in the car, making XXXX remarks XXXX XXXX XXXX  XXXX XXXX. When we finally arrived at my destination, he overcharged me and made up some math on his phone calculator. After the pending charge successfully completed, he also added a {$40.00} tip to himself. I did not authorize this fraudulent tip or the overcharge amount. I saw a credit card machine in his XXXX  cab, and he lied and said its not working and to use the XXXX app on his phone. I also asked for a receipt that was itemized with the tolls and amounts and he lied and said he sent it. He purposely never sent it to me, and was trying to take advantage of my mom and I. 

After the event happened, I contacted the XXXX XXXX company, Chase, and XXXX immediately. Chase and XXXX stated that I should just wait until the pending charge is complete and then dispute it. After a month of investigating, Chase deemed this charge legitimate. I called Chase to ask why it was deemed legitimate, and they said that they can not do anything with XXXXXXXX XXXX policy and are unable to help me. I asked if they could reopen the case, and they said I can write a formal letter and mail it or fax it in to them. Chase and XXXX both did not seem to care about me in this instance. I truly am making a complaint because if this taxi scammer is able to get away with this with me, then whose to say he isn't doing this with others? What if he added a {$100.00} tip to himself? Does that mean no matter what I have to eat the costs? Even though my mom is a witness, and I did not authorize or sign for this? Chase also stated that they do not deem this as a fraudulent charge since my card was not stolen or taken over. However, this is an unauthorized over amount and tip. I am very disappointed that this kind of behavior is okay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm working on clearing up my credit report so I can qualify for a home loan. I contacted the company, Enhanced Recovery Co., and paid off the dept. I need to have them delete this item from my credit record but they will not remove it. As long as it there, even showing a XXXX XXXX  it will still work against my credit. It will not increase my score at all. So, I need help getting it removed. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. XXXX Fair Credit Reporting Act XXXX XXXX ( a ) you are require to removethese items which was opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX BANK XXXX Balance {$460.00} XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX
Product: Debt collection

Every couple years, debt that is not mine is sent to a new collection agency. I fight it, it is found to be in my favor, and is deleted from my credit report. It has happened again with Credence Resource Management regarding the same cellular phone bill for {$1200.00}. All they have done is send a paper stating that they feel I owe it, which I do not. This account has been proven numerous times to belong to a former family member with a similar name. My name is XXXX XXXX, whereas this belongs to XXXX XXXX. Due to the similarity, I do understand the confusion, but this debt simply is not mine. PLease once again delete it.
Product: Bank account or service

I have reason to believe that a fraudulent account ( s ) have been opened under my name. I have received several emails from Wells Fargo over the past couple of years to proved this. The emails have been coming to me on a fairly regular basis, which includes as recent as this year, 2016. I have attached a copy of one such email that I was able to retrieve. The emails have been coming from varies different senders within the organization. Since I do not know what type of account the email is referring to, I will place it under " Other bank product/Service ''. The email address the messages were sent to over the past few years is : XXXXXXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am writing this today because I am aware of transunion had 2 glitches. There glitch made people 's inquires get deleted. Then they added them back on. This is clear violation of the law. I am suppose to get a 5 day notice to inform me. I have asked transunion multiple times to delete my inquires of my report. They are in clear violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the self-lender account that has been reported on my credit report. The account in question has already been discharged, and I have attached a 1099-c form as proof.

I am concerned because, as per the Fair Credit Reporting Act ( FCRA ), all credit reporting agencies should ensure that the information they report is accurate, complete, and up-to-date. However, in my case, the self-lender account that has already been discharged is st
ill being reported on my credit report. This inaccurate reporting has negatively impacted my credit score and prevented me from obtaining credit.

As an ordinary consumer, I rely heavily on my credit score to obtain loans, credit, and even employment. The inaccurate reporting on my credit report has made it difficult for me to achieve my financial goals.

Moreover, according to the IRS regulations, a 1099-c form should be filed when a debt has been discharged. I have attached this form as proof of the discharge of the self-lender account in question.

Therefore, I request that the reporting of this account on my credit report be immediately removed to ensure that my credit report accurately reflects my current financial situation. I believe that this will help me to achieve my financial goals and prevent any further harm to my credit score. 

Thank you for your attention to this matter.
Product: Student loan

I get loans and every time a stipend comes they " the school '' have a problem giving it to me. It will take over the 14 days and I always have paperwork that needs to be filled out. I do n't understand why, and also when I call the school they tell me that one of my advisers do n't work there or the other do n't take phone calls. Then they keep telling me that I 'm not getting a refund or they tell me that they need to review it. They get their money and no review is needed. Also i 'm being charged for 2 classes and am taking just one class. I am not getting my refund like they say. When I call I have to talk to people who answer phones, not my advisers. And they give me the run around and are very rude. But it 's my money and I work hard for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Employment Info - XXXX EMPLOYEE Is incorrect
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the FAIR CREDIT REPORTING ACT ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence Ive provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

I used American Express ( AMEX ) membership rewards to make a purchase with XXXX on XXXX. Immediately after placing the order I cancelled it. The points were still debited from my AMEX card account. XXXX did not debit the points, and AMEX won't refund the points because they maintain that XXXX has them. I've been trying to get the points reinstated to my account. The estimated value of this transaction is more than {$900.00}. I've been calling AMEX and XXXX repeatedly and continuously getting the " run - around '' where each entity is pointing the finger at the other, meanwhile I am out this money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Uknown Inquiries are reporting on my XXXX, XXXX, and Transunion reports. I have filed Identitytheft, and will attach FTC report. The following inquires are what needs removal. 

XXXX : XXXX - XX/XX/XXXX XXXX : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Factual Data - XX/XX/XXXX XXXX - XX/XX/XXXX Transunion : XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX