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

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Debt collection

on XX/XX/2021, i sent letters to DESIGNED RECIEVABLE SOLUTIONS, INC about some alleged debts of {>= $1,000,000}, and XXXX that i don't owe nor have dealt with them. They are reporting these inaccurate tradelines on my report that is incorrect and damaging me from getting things. I am asking for assistance in this matter for them to send me the proper documentation that i requested on XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX and Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that are reporting on my Credit Reports : XXXX XXXX XXXX XX/XX/2020
Product: Checking or savings account

On XXXX @ XXXX Someone called me from XXXX claiming to be calling from CitiCard ( Citibank XXXX to verify a transaction for {$3000.00}. When I said I didn't authorize it the gentleman proceeded to ask me about another card ( XXXX XXXX ) i had so he could verify my identity, He asked for the Expiration date, them the card number & cvv then the last XXXX of my social.After which he asked what the balance is and credit limit is... ..I knew right then that it was a scam and he wasn't from Citibank but XXXX was to late by then so now I've got ta replace my XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

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 following items XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$1200.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$26000.00} XXXX XXXX Balance XXXX {$4600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my deep frustration with the ongoing issue of fraudulent account XXXX XXXX - Account Number XXXX XXXXXXXX that is listed on my credit report, despite my repeated efforts to have it removed. I have called XXXX and they can not provide me with a contract, a date that this was opened, nor prove that it was me who opened a lease/ loan with them. The information they have on file is clearly NOT me. I have been disputing this fraudulent account for over a year now and it still remains on my credit report. This situation has taken a significant toll on my mental health and well-being and I have reached my breaking point! 
Previously Equifax deleted the fraudulent item on my credit report, but it has now been added back on without any written notice.
Product: Checking or savings account

I am a Chase customer and have been using their bill pay services for years. Most all large companies support electronic statements and billing directly to the Chase bill pay service, except for XXXX retail card services. Many stores use XXXX retail card services and many stores switch between competitors like XXXX, XXXX and others. The problem is that Chase and XXXX have a dispute and Chase refuses to allow for electronic statements from a XXXX credit card, such as XXXX XXXX. When a company, like XXXX XXXX, moves their business to XXXX retail card services, as a Chase customer, I lose access to electronic bills within the Chase bill pay app. Since I, and millions others, rely on electronic bill pay services, and have long ago stopped with paper statements, not having electronic statements via Chase bill pay leads to late payments and fees for XXXX. Considering that Chase supports XXXX, XXXX and other large bank card services on their bill pay service, there is no technical reason they can't support XXXX retail card services. If XXXX and Chase have reciprocal sanctions against each other 's credit card bills, I assume that this leads to millions in credit card late fees. Chase should be forced to support XXXX retail card services on their bill pay platform in the same manner that they support other credit card companies, for both electronic statements and payments. 

I have enclosed a screenshot from my Chase bill pay service that shows that XXXX XXXX, the only XXXX retail card services account on this screen shot, does not support XXXX.
Product: Checking or savings account

I received an email stating that my account status changed and moving forward I would be charged fees which I have not been charged in the past. I called Citi and they reviewed my account and said that my account activity qualifies me for a waiver of the fees. I asked for written proof of this and the representative told me that I couldn't receive written confirmation, but to " rest assured that if I am charged a fee the fee will be removed and credited immediately. '' I asked to speak with a supervisor and I was placed on hold, then the call was disconnected.
Product: Credit reporting or other personal consumer reports

I have hard inquiries on my account from, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and Truist Bank. They are holding me back from opening new accounts. I havent banked with any of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have opened several disputes with equafax for something that should have been removed. I gave proof it should be removed. Can not open dispute report. Called and was told they would resend and I requested a copy be mailed. Still can not get results and no copy mailed. Still not removed from equafax and only equafax will not remove.
Product: Credit reporting or other personal consumer reports

Date XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Re : XXXX  XXXX and Inaccurate Credit Reporting by XXXX XXXX  Dear CFPB, I am writing to file a complaint against XXXX XXXX for XXXX  XXXX  of my vehicle and inaccurate credit reporting, which are violations of the Fair Credit Reporting Act ( FCRA ). 
My Vehicle ( XXXX, XXXX, XXXX ) was wrongfully repossessed by XXXX XXXX on ( XXXX ). In XXXX of 2021 I noticed that my account was reporting a past due balance in my XXXX XXXX app. I knew this was inaccurate because I had made multiple payments the previous month so I was actually ahead on payments. I called XXXX XXXX for weeks with no avail. I then reached out to my financial institute, which was XXXX XXXX at the time. They stated that they had to do a back office investigation to track the funds. The findings were that XXXX had in fact received the funds but upon contact with them, they continually claimed that the funds were not received. My bank advised me to fill out a wrongful debit form and be refunded, which I did and I still have the documents that were sent to the bank. Less than a week after the XXXX XXXX XXXX released my funds back to my financial institution. Months later I received notice that I was to be included in a class action suit, XXXX XXXX XXXX XXXX XXXX CASE NO : XXXX. XXXX  was subsequently found at fault and ordered to pay damages. 
Despite this, the XXXX is inaccurately reflected on my credit report ( s ) as a negative account. This inaccurate information is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c ( e ) ( 1 ), which requires credit reporting agencies to ensure the accuracy and completeness of information included in consumer reports. 
Furthermore, the XXXX notice lacks important details or misrepresents the reason for XXXX, it is a violation of 15 U.S.C. 1681i ( a ) ( 2 ), which mandates that credit reporting agencies furnish reports with a clear and accurate explanation of any negative information. As a result of these violations I have been denied extensions of credit on multiple occasions. 
I request that the CFPB investigate this matter and ensure that XXXX XXXX corrects the inaccurate information on my credit report in accordance with the FCRA. Additionally, I request that the CFPB determine if the credit report furnished by XXXX XXXX  regarding the XXXX  adheres to the FCRA 's accuracy and completeness requirements. 
I have attached copies of the following documents for your reference : Proof of on-time payments made before the XXXX ( e.g., bank statements, cancelled checks ) Documentation showing the excess funds recovered by your bank Proof of participation in the class action lawsuit against XXXX XXXX Copy of my credit report showing the inaccurate XXXX information Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I made the transfer on XX/XX/XXXX and the processing date was XX/XX/XXXX. I received an email on XX/XX/XXXX saying " Your XXXX XXXX ( XXXX ) transaction was successfully initiated for the requested beneficiary. '' I contacted the beneficiary on XX/XX/XXXX and the transfer had not yet been made. I contacted the bank on the same day to find out why the transfer had not been made yet. 
The transfer should have been completed on XX/XX/XXXX. 

They told me that it could take up to 14 days for the value to be extonated. After the deadline, I got in touch, letting me know that the amount had not yet been extonated, they told me that they were going to go to the management and that I was going to receive an email within XXXX business days. No resolution yet, I've had other problems with this company and they always say they will send an email and I don't send it
Product: Credit card or prepaid card

I have informed apple credit card that XXXX XXXX XXXX charged {$960.00}. 16 me to fix m car light system but they never fixed the issue and the workshop technician wrote that in a report. Then it was fixed in another work shop for only {$150.00}.

The workshop refused to refund me and the bank took 2 months investigation then sent an email that it was resolved to my favor two days later another email came and said it wasnt solved to my favor!!.

I asked to reopen the dispute the kept ignoring my request and after two or 3 months they agreed then a week later, replied that they need a third opinion- which is impossible because there is no means to get the light defect back again and see what the workshop did in my car- the report from the workshop proves in writing that the defect was never fixed and they tried to balm an accident which is a year old to cover up their stealing. I send my bank the report from the second workshop that fixed the defect and they refused to accept it. 
This is not a small amount of money plus the money I paid for rent the car while they kept in the workshop that made me pay for a service that I never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or round XX/XX/2023, I submitted an online request with proper identification to LexisNexis to obtain my credit report/file. Instead of granting access to my consumer file Lexis Nexis immediately denied my request claimed I did not submit identification. 

According to my records l filed a complaint against LexisNexis with CFPB for this very same deceptive business practices. 

I am asking CFPB to enact of enforce law preventing consumer reporting agencies to delay or deny consumers access to consumer reporting forcing consumer to write to government agencies to gain access to said reports. 

LexisNexis is purposely denying consumer report/file to conceal this company has illegally re-inserted previously disputed inaccurate data and credit information to consumer report. 

LexisNexis re-inserting previous disputed inaccurate information that was removed from consumer report is intentionally lowering consumers credit scores and denying lending opportunities. I believe Lexis-Nexis is targeting American of XXXX XXXX  with this practice of reinsertion of disputed inaccurate information on consumer report to intentionally lower credit scores and I requesting an investigation to this deceptive business practice.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX I am a victim of Identity theft, my FTC Report Number : XXXX XXXX XXXX has reported XXXX Hard inquiries XXXX Transunion has reported XXXX Hard inquiries XXXX XXXX has reported XXXX Hard inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

Please check the status of this account. I was never late on this account and never missed a payment. Please update it immediately on my file. 
XXXX XXXX Balance Owed : {$940.00}
Product: Checking or savings account

I was a victim of identity fraud, and my account was hacked by some weird person where they deposited a fraudulent check/deposit into my account and I was told that it would be taken care of by the bank themselves. Next thing I know, my account was being closed but I was on the hook for be hacked by these people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe the reporting credit bureaus are in violation Equifax XXXX And XXXX XXXX stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX  XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 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 1681 b
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate complaint and I'm representing myself by myself. I'm sending this complaint because I have received phone call from my banker and he notified me that they received a few application for credit lines on my name, they called me to verify if it was me. I declined these applications and confirmed that I didn't apply for anything, any loan or cards. I been advised to check my credit report because I haven't done that for a while, so, I obtained my credit report and noticed several hard inquires on my report from Transunion that I never authorized. I was shocked. So I have filed FTC Report and I have included in this package. It is my sworn statement that, 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 qualified and authorized to file this dispute. 
I'm representing myself by myself and I do not involved any third party for this matter. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 

It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
Here are the name of these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these fraudulent items from my report.
Product: Credit card or prepaid card

I received an email from a XXXX XXXX with XXXX XXXX on XX/XX/XXXX. stating that my account was going to be charged {$380.00} for XXXX XXXX. I called him at XXXX to cancel this charge. He had me get into my checking account with XXXX and then he put the money back in my account but made a mistake and put {$4300.00} in my account. He said the only way I could rectify this was by buying {$2000.00} XXXX XXXX gift cards and {$2000.00} XXXX gift cards and he could put them into his system. However the cards didn't work and he had me go back and buy more cards until they could work. In the end I had purchased a total of {$4000.00} of XXXX XXXX cards at the XXXX XXXX store and {$6000.00} XXXX cards at my XXXX XXXX XXXX. He was so convincing that he was gong to lose his job if we didn't take care of it and was begging me and crying to me. 
The XXXX XXXX card for {$2000.00} was purchased on XXXX and another {$2000.00} on XXXX with my Bank card. The XXXX cards were purchased at XXXX, {$2000.00} on XXXX, {$2000.00}, and XXXX for {$2000.00}. The corporate number for XXXX XXXX is XXXX. The XXXX corporate number is XXXX. I am and older woman and am so embarassed that I fell for this. I hope you can help me recoup my money. I filed a report with the FCC and called XXXX bank and they are working on the fraud for the {$4000.00} cards from XXXX XXXX.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Paypal processed a charge for {$67.00} from a company in XXXX that was selling a holiday projector that would project images of Ghosts for XXXX and XXXX. It was advertised to be like the XXXX model ( see attachment ) but with the addition of a screen. The package was advertised as a bundle and delivery was guaranteed by XX/XX/2020. The package did not arrive by XX/XX/2020 as promised and I filed a refund request with PayPal this was denied because PayPal claimed that the seller had sent the item. Yesterday the item did arrive but it is not what was ordered -- instead it is a cheap light that can illuminate a house at night ( they are available at XXXX for less than {$20.00} ). 

These are the details of the case : Dispute Case ID : XXXX Transaction Amount : {$67.00} USD Dispute Amount : {$67.00} USD Transaction ID : XXXX Transaction Date : XX/XX/2020 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account claiming that the information they present is accurate, with which I greatly disagree. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I need the account corrected as soon as possible : XXXX XXXXXXXX