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

On XX/XX/2023 I sent NMAC ( Nissan Motor Acceptance Corp ) a letter requesting them to update and remove a voluntary repossession from all of my credit bureaus, including the ones that most consumers do not know of ( XXXX, etc. ) Because I had spoken with several representatives via phone and this is what they had asked me to do in order to get it taken care of officially and legally. I didnthat, and got a returned delivery receipt via the XXXX on XX/XX/2023 that it had been received by someone at their address. In have since heard absolutely nothing from them and when I call, they tell me there's nothing they can do. This is frustrating because that car which my husband and I turned in, was worth double what they sold it for, and they tacked on fees so it was less than half, conveniently, of what we owed on it. Someone got an awesome deal on our XXXX XXXX! Now, since we were screwed on the repo, they are still screwing both of us now because it has been nearly 5 years to the day since the car was turned in back to them. I was assured by Nissan motors acceptance corporation that if I had written a letter and sent it to them with proof of delivery which I did, that they would take care of it and remove it from my credit report and only go after my ex-husband 's credit report for the balance for the remaining few days that it would be on the credit legally, since it has been 5 years nearly to the day. They have done nothing to help me at all whatsoever after they said that they would!
Product: Debt collection

I am a consumer and Discover Bank has violated my federally protected consumer rights under 15 USC 1692, 15 USC 1681, 15 USC 6801. They have ignored my cease and desist, my affidavit of truth was never rebutted. Discover continues to abuse, use profane language, abusive phone calls and emails. Discover also is destroying my reputation as a consumer financially.
Product: Debt collection

After carefully reviewing my credit report, I noticed that World Finance company is increasing the amount of the debt monthly. According to the FTC and FDCPA, companies must accurately report the alleged debt. They have violated my rights as a consumer by demanding monetary amounts that are not contractually legal. The amount reported on my credit report is greater than the amount owed. World Finance Company also failed to validate the debt with me as the consumer with a written notice of the debt. That is also violating my consumer rights. Im also submitting a picture of my official drivers license to prove that I have a name change as a result of marriage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$530.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting or other personal consumer reports

I would like to remove the authorized user account XXXX XXXX XXXX Credit Card with a {$5000.00} credit limit from my credit report. I do not want it to be on my credit report anymore.
Product: Checking or savings account

Bank of America closed my checking and savings account in XXXX XXXX XXXX due to a bounced check. I was told if I paid them back they would just close my account and I could open one somewhere else. I have not been able to open an account with any other bank. I called them again to try to understand why I was still having trouble and they told me they couldn't help me.
Product: Debt collection

I have a debt collection reporting on my credit that is not mines. The debt originated from an apt that I have never lived in nor signed off on. This debt is completely inaccurate and appears to be fraudulent.
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) - Billing Error ) Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.
Product: Checking or savings account

I have pnc bank and will not let me connect with my account this is XXXX
Product: Checking or savings account

This is my second complaint with Chime XXXX XXXX XXXX my account was close with Chime without any reason, funds are being held. I have asked multiple time why its was closed, I was told there wasnt a reason. I finally received a response and they said a 3 checks will be mailed out. I received one check XX/XX/XXXX I was unable to cash this check due to insufficient funds. Ive contacted chime multiple time through phone and email, no response. XX/XX/XXXX i talked to someone and was told money was being took out of my account and put back in multiple time. I asked why they said they have limited info to share. I asked them quantity they send my an email explaining what going on Chime said no and hung up.
Product: Money transfer, virtual currency, or money service

I thought I was talking to a high school Class mate on XXXX XXXX. She was offering XXXX trading. So I invested some money to try to make alittle money. XXXX XXXX. Come to find out her XXXX was hacked and these people are scammers. I transfered sums of XXXX and then XXXX  and XXXX  because I was told I had to be invested XXXX to withdrawal. Now I have been trying to withdrawal and its the run around. They want me to pay to withdrawal my money. I contacted my bank and they put the transactions into a process where they will give me my money back due to authorized push payment policy. Which is taking forever.
Product: Debt collection

As of XXXX 2020 it appears that XXXX XXXX XXXX now reporting a collection account under : Transworld System Inc is attempting to collect a utility debt in the amount of {$520.00}. Not only is this account not mine nor do I have any knowledge of the account, but I did NOT authorize an account with XXXX XXXX XXXX. I have attempted to dispute this account several times by mail alongside electronically to no current avail. It is unlawful to report fraudulent accounts to my credit report that I did not authorize.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( XXXX ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I made a purchase for a business endeavor on Cash App. I wasnt a satisfied customer due to timing, lack of communication, and etc. I then asked the person/company for a refund. He hearted my response and a few days went by. I requested a refund from that person directly. I contacted him again once I realized he didnt refund me and then I reached out to cash app support. In 2020 when the purchase was made. Every step that the platform says to follow I attempted. I was never refunded. I have other obligations and it slipped my mind. Present day, Ive reached out to them on numerous occasions and timing is their customer representatives excuse of not upholding returning me my funds. Ive called every number in relations to that entity. There is no option to show/attach proof while requesting a refund for my specific purchase. Also, Im seeing inaccurate dollar values between me and other user accounts. This is all out of nowhere in a sense and Im unsure if there is a breach on the platform.
Product: Credit reporting or other personal consumer reports

XXXX agreed to remove the entire account, after the payment was received. The account is still showing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act The companies in the attached document have violated my rights. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I was looking over my credit report last month and it 's been over 49 days that I have contacted Equifax and XXXX via USPS to inform them that there are several inquires on my credit report are NOT mine. I am very dissapointed that action had not been taken to remove these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Dept of Ed/ XXXX  : # XXXX, US Department Of EdXXXX XXXX US Department Of Edu : # XXXX , has 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 items of information, other than records of convictions of crime which antedates the report by more than 7years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty day time frame. Please take the time and consideration to remove the incorrect information from my credit report. With our economy struggling the way that it is, I can not afford to have inaccurate information negatively affecting my credit score. I will await an updated copy of my credit report to reflect these changes within thirty ( 30 ) days. I'm never been late on these accounts : XXXX XXXX XXXX XXXX XXXX  and XXXX XXXXXXXX XXXX XXXX. Also, I am the person making this complaint & I give cfpb authority to investigate this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal dispute regarding the inaccurate information on my Equifax credit report. Despite my previous contact with Equifax on XX/XX/XXXX, they have not responded to my concerns. I kindly request your assistance in addressing the following inaccuracies : XXXX XXXX XXXX XXXX Account Date Opened : XX/XX/XXXX Balance : {$2000.00} The XXXX XXXX XXXX XXXXXXXX account listed on my Equifax credit report requires verification as your reporting of this information is incorrect. The reported balance of {$2000.00} by Equifax is inaccurate, and I believe it should be a lower amount. Furthermore, the Past Due amount should not be presented for this closed and charged-off account. I request Equifax to mark this account as disputed while I work towards resolving my dispute with the creditor. Additionally, I require Equifax to verify the Date Opened, Date of Status, and First Reported for this account. 

XXXX Account Date Opened : XX/XX/XXXX Balance : {$110.00} The XXXX account listed on my Equifax credit report needs to be examined due to incorrect reporting. The reported balance of {$110.00} by Equifax appears to be higher than the balance I remember. Since this account is listed as closed, the Past Due amount should not be provided. I believe it would be beneficial to address this misleading data directly with the creditor. I am determined to take immediate action, but I request Equifax to report this account as disputed while I attempt to find a resolution. 

Inaccurate Evidence on XXXX XXXX XXXX XXXX Account Date Opened : XX/XX/XXXX Balance : {$2000.00} The inaccurate information provided by Equifax regarding the XXXX XXXX XXXX XXXX  account is causing significant prejudice to my credit reputation. The reported balance of {$2000.00} does not correspond to the lower amount I remember. I request Equifax to revise the Past Due information as it is not accurate to present a Past Due amount for a closed account that was charged-off. This account 's inaccurate reporting has likely negatively impacted my credit score. Consequently, I need to reach an agreement with my creditor regarding the incorrect data. I request Equifax to mark this account as disputed to prevent further negative impact on my credit score. 

XXXX  Account Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$580.00} The XXXX account listed on my Equifax credit report inaccurately shows a late payment. I request Equifax to remove the late payment notation as this account was never late. 

XXXX XXXX Account Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} The XXXX XXXX account listed on my Equifax credit report requires correction/update as the information provided is inaccurate. I kindly request Equifax to rectify this incorrect information. 

XXXX XXXX Account Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$14000.00} The XXXX XXXX account listed on my Equifax credit report inaccurately shows a late payment. I request Equifax to remove the late payment notation as this account was never late.
Product: Credit card or prepaid card

I applied and was approved for a PNC credit card which offered a {$200.00} statement credit for {$1000.00} spent within the first XXXX days of account opening. My account opening date was XX/XX/XXXX and I have not received my credit cards as of XX/XX/XXXX ( XXXX elapsed days ). So the promotional offer is only XXXX  days, not XXXX days. PNC representatives confirmed that there is a credit card production/shipping issue which has delayed delivery of the cards. So they have breached the terms of their offer and are not allowing XXXX  days to receive the promotional credit. I contacted PNC to request an extension to the promotion or reset my account opening date to the ship date of the card and PNC declined both.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts listed on both my XXXX and TransUnion credit reports are in violation of my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor ) XXXX XXXX XXXX The following inquiries are also a violation TRANSUNION  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX TRANSUNION XXXX IN XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX this one has a ludicrous amount of dates ) TRANSUNION XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXXTRANSUNION XXXX XX/XX/XXXX XXXX via XXXX ( too many dates to be anything but fraud ) XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX There are a number of other inquiries on my credit reports and I kindly ask that they all be removed as the majority of them are fraudulent and in violation of the following laws...

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 Upon completion of this I would like to have an updated credit report mailed to the address on file. Thank you for your time and consideration.
Product: Credit card or prepaid card

On XXXX XXXX, I lost my Exxon Mobile Gas Card. When I attempted to report it lost each time it stated that the office was closed and would not open again until Monday, XX/XX/2021. But the notice on line states that it is open until XXXX XXXX EST and open on the weekends. 
My card was lost while I was on vacation and there is no way to let them know. There is no emergency number available. 
Presently there is only a {$15.00} charge on the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, XXXX Bless you all. My identity has been misused by criminals. I am a victim of identity theft. I have literally been feeling the pain of not being able to used my credit from accounts that were used without my consent. My life has took such a turn around in a negative way. I have kids who depend on me for a house and just like that I am being violated by the fraudulent accounts on my report. This can not go on no longer, I have did my research and you are suppose to protect me as a consumer. There have been so many data breaches in the last couple of years with your companies that could have effected my personal information being leaked and hacked although I am not accusing you we must understand what has taken place. My identity was stolen and I have multiple accounts that aren't mine. Doing my research I have seen that the FCRA 15 U.S.C. 605 B 1681 c2 that the accounts violate the law and have to be removed immediately, these accounts can not be validated because there are not mine so please Ive heard you try to verify them with the creditor but since my identity was stolen they will try to verify it as true which is inaccurate. As a consumer protect me from these companies who will say it was my doing when in fact I never had nothing to do with it and I am a victim. I do not want to go back and fourth with something that is not mine please fix this and protect my family from being homeless. I have filed a FTC report, Identity theft affidavit, proof of address, and a letter showing that I am disputing these accounts. Protect me as a consumer and give justice.
Product: Debt collection

In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. The credit bureaus stated my account was properly investigated, but how is that possible if the last active date is inaccurate and the date last reported is not accurate? This is grounds for removal and they also violated my rights under 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. Resolution : Please delete this item from my report IMMEDIATELY.

If the furnisher finds any information disputed by the consumer to be inaccurate or incomplete or if the information can not be verified, the furnisher must, as appropriate, based on the results of the reinvestigation promptly either modify, delete, or permanently block the reporting of that information. 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( E ). 

Account XXXX XXXX XXXX XXXX XXXX Amount : {$1600.00} XXXX XXXX XXXX  XXXX Amount : {$2700.00} XXXX XXXX XXXXXXXX : {$27000.00}
Product: Bank account or service

Opened a {$12000.00} Care Credit account with GE Capital Retail Bank on XX/XX/2015 for XXXX at the XXXX XXXX XXXX XXXX, which I though was interest free. I had auto-payment withdrawals from my checking account for 2-years. Last couple months I noticed my bank statements went way up, so I contacted Synchrony Bank XX/XX/2015, finally was transferred to a Manager, XXXX, ID # XXXX, and was told that my 24-month promotional period expired XX/XX/2015, and I was charged accured interest of 26.99 % of {$6200.00} on top of my principal balance of {$5400.00}, and my account is now {$11000.00} at interest rate of 26.99 %. After a long heated discussion, I offered to pay the principal immediately, but they offered no help, no options.
Product: Debt collection

I received a collections letter from Capio Partner for {$3500.00} for a hospital visit in XXXX. I overnighted a letter requesting validation of the debit on XX/XX/XXXX, and Capio received it on XX/XX/XXXX. I received a response on XX/XX/XXXX, well after 30 days. I received a black-and-white printed statement. The address printed on the information was an old address from XXXX. I negotiated and paid this deficit in XXXX before preapproving for a mortgage.
Product: Debt collection

my credit report have an account close with pending balance of {$630.00} from Allen Asoc. i do n't what is this. was reported as public record and is affecting negatively my fico score.
Product: Money transfer, virtual currency, or money service

I am writing to inform you of a phishing attack. They originated in these email addresses and telephone number. 

XXXX - is the address of the scammer. 

XXXX XXXX - is the phone number of the scammer XXXX - is the address used for PayPal. 

This party is a fraud. I provided a service, namely recorded music for a wedding. They paid me with a check, and then wrote back that it was much larger than the correct amount. So, they wanted me to reimburse the difference, and send the money through PayPal. 

He or she had trouble receiving the money. So I called PayPal customer service, who told me that this account had " bad restrictions '' on it. The party then wanted a screen shot of my notification, so that PayPal would provide the funds. 

This evening I received a notice from my bank that the check they sent bounced. 

Obviously, this is a scam. The fraudster sends a check to someone ( like me ), says a mistake has been made, and wants a reimbursement for the excess money. The victim sends the money through PayPal, and in the meantime the check that the fraudster sent bounces. The fraudster pockets a tidy sum. 

Please, help shut down these crooks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, I recognized unauthorized reports on my account. I reported to XXXX XXXX XXXX that they have broken the law of reporting late payments to XXXX WITHOUT my written consent. They could not verify the alleged debt and the XXXX are all reporting something different on this account. I have reached out to the CEO of XXXX as well as the credit reporting agencies and neither parties have fixed this issue in as timely manner. 

My initial attempt was taken place on XX/XX/XXXX. 
My second attempt was XX/XX/XXXX. 
My third attempt was XX/XX/XXXX. 

In addition, I have been harassed MULTPLE times in attempt to collect alleged debt. This receiving multiple phone calls at inappropriate times which also is in violation of Fair Debt Collections Practices Act 15 USC 1692g violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ADDRESSES THAT ARE LISTED DO NOT BELOW TO ME, I HAVE NEVER LIVED AT ANY OF THE ADDRESSES THAT ARE POSTED ON MY CREDIT REPORT 1. XXXX XXXX XXXX XXXX XXXX GA, XXXX 2. XXXX XXXX XXXX, XXXX XXXX FL XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 5. XXXX XXXX XXXX XXXX XXXX FL XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 8. XXXX XXXX XXXX # XXXX XXXX GA XXXX