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

XXXX, EQUIFAX AND XXXX  HAVE ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MINE/INACCURATE. 

Addresses : XXXX XXXX  XXXX, XXXX, FL XXXX XXXX XXXX XXXX , XXXX, FL XXXX Accounts : XXXX XXXX XXXX XXXXNOT MINE XXXX XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXXNOT MINE XXXX/XXXX  XXXXNOT MINE XXXX/XXXX  XXXXNOT MINE XXXX XXXX  XXXX XXXX XXXXNOT MINE XXXX, XXXX XXXX XXXX XXXXNOT MINE XXXX XXXX   XXXX/XXXX  XXXXNOT MINE XXXX XXXX XXXX XXXXNOT MINE XXXX XXXX   XXXX/XXXX  XXXXNOT MINE XXXX XXXX XXXX XXXXNOT MINE XXXX XXXX XXXX XXXXNOT MINE XXXX XXXX XXXX XXXXNOT MINE Identity theft/fraud : XXXX XXXX XXXX | XXXXFRAUD/IDENTITY THEFT Inquires : XXXX XXXX XXXX XXXX NOT MINE XXXX  XXXX XXXX  XXXX XXXX XXXX  NOT MINE XXXX XXXX XXXXNOT MINE XXXX  XXXX  XXXXOT MINE
Product: Checking or savings account

XXXX XXXX XXXX ID : XXXX Date of Birth : XXXXXXXX  SSN : XXXX ID Type : Drivers License ID # : XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX , XXXX , IL XXXX ChexSystems , Inc . 
Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX Dear ChexSystems Consumer Relations, I am writing to formally dispute inaccurate information contained in my ChexSystems report I am writing to request an investigation of the following that appears on my I have NEVER opened or use the following account numbers : I believe that some of the information reported, including my score and inquiries, is incorrect and requires investigation and correction. 

Please review the following disputed items in my ChexSystems report : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont recognize the following accounts in question. I am a victim of identity theft, and I don't recognize these accounts in my report. I am requesting the following information be deleted from my ChexSystems report immediately! Ive attached a copy of the report to this request. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX # XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit card

I made XXXX disputes with XXXX different companies, XXXX was XXXX because they cancelled my flight and did not return my money and they cancelled my membership for consulting the bank, the other is against XXXX, from which I bought merchandise and it was defective, they did not want to receive it, much less return my money and they refuse to do anything.
Product: Credit reporting or other personal consumer reports

I have tried to resolve this issue with this company and they have failed to comply.
Product: Credit card or prepaid card

We submitted a dispute with Chase bank for the sum of {$10000.00}. We made a purchase from a supplier on XXXX and the supplier never sent out the items. After several attempts to have them send it out, they refused to send out the items. We provided Chase all documents showing the supplier would not send out the items and we were protected under the Fair Credit Reporting Act as the under the Fair Credit Billing Act ( FCBA ), ( 15 U.S. Code 1666-1666j ), if the merchant is unable to ship within the promised time, it must notify the purchaser by mail, telephone, or email, give a revised shipping date and give the purchaser the chance to cancel for a full refund or accept the new shipping date. The merchant also must give the purchaser some way to exercise the cancellation option for free. If the merchant can not meet the revised shipping date, it must notify the purchaser again by mail, email or telephone and give the purchaser a new shipping date or cancel the purchasers order and give the purchaser a refund. Chase refused to honor our dispute and sided with the merchant despite them still having all the supplies and never sending them out. Originally, they stated that since we only paid a deposit, we had to pay the rest. However, the merchant stated they would not send the items and it has been several months since they were supposed to be delivered. The items can no longer be sold. Chase told us to submit another dispute stating we wanted to cancel the items. We submitted the second dispute. Chase immediately denied the dispute stating we have a valid claim but have to sue the merchant as they will not honor the dispute. We would like Chase to follow the FCBA and protect us as consumers before we begin our process of initiating our lawsuit. Please return the chargeback amount of {$10000.00} as we are not responsible for this fraudulent charge.
Product: Debt collection

A company called transworld services pops up in my collections, I have no recollection of dealing wi the such entity. In the remarks its states natural disaster, which I, myself am unaware of. This wasnt any type of prior account. It just popped up in collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted many complaints against the credit bureaus. THey have not been sticking to the 60 day investigation time-frame investigation put fourth by the CFPB. Each complaint they respond that they will notify me in 60 days, to this date i have received no results into the 9 complaints I have filed. I am filling again. I have attached both my 609 letter disputing the inaccuracies. as well as my demand to comply letter written by my attorney. We will be filing a lawsuit against all 3 companies, if the results of this complaint are not satisfactory.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX XXXX IN # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is in violation of 15 USC 1681b. ( a ) ( 2 ) Any Consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I have given both verbal and written instructions concerning a credit account with XXXX being removed from my report. I spoke with an agent on XX/XX/2022 regarding the removal of these fraudulent accounts and as a result of the several laws that I had listed that were and continue to be broken by Transunion, account were successfully deleted. With blatant disregard for FEDERAL LAW, an account has been added to my consumer report. This is a blatant disregard for the law since they aren't following the instructions of law according to the FCRA. Please see attachment.
Product: Debt collection

I'm a XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX, recently well last year, the new owner of this building has made me stressed and has embarrassed me in front of our XXXX ; we deal with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX we help the community with XXXX we are not in a rural area, but our XXXX  do live in a rural area. Well, ever since XXXX XXXX purchased this property, never less, it's been a nightmare. XX/XX/2021, they walked in XXXX while seeing XXXX  collect according to the past due to rent dating since XX/XX/2021. Our facility has never had a problem with the previous owner. The rent is on auto-pay, so it's impossible to gain late fees. I feel we are not only harassed daily, but XXXX XXXX XXXX has made changes on binding contracts done by the previous owner. They have even turned off the power on three electrical plugs ; one of them holds the XXXX and other XXXX  wording on documents several times ; even with this So-called money, we owe 90 % of our XXXX  are XXXX XXXXXXXX XXXX unique patients that I have had the privilege to help a make them smile. XXXX XXXX now has sent my business information to a debt collector again, another unprofessional situation I will include in the email along with all emails and lies she is putting my business in jeopardy
Product: Credit card or prepaid card

The company stated in their response to my CFPB complaint # XXXX on XX/XX/19 that they were permanently crediting my account with the {$51.00}. However, what they did was put the charge back onto my account -- Again ... The amount is listed in black, rather than in green with a negative sign in front of it like how a purchase adjustment is supposed to be. I called them several times about this but I ended up getting nowhere because I just kept getting the runaround and being put on hold which took 45 minutes to an hour each time. Eventually I had to hang up because it was taking way too much time -- Over something that was their fault, not mine. They're getting paid for their time and aggravation over the phone, not me. I feel as though they treat customers this way on purpose so that they don't get their issues resolved. I will be closing my account with Capital One after this experience. In the meantime, they need to credit my account like they told both you and me they were going to do. And they need to do it twice, because they've rebilled me for the {$51.00} twice. I am also getting socked with interest charges over this because i refuse to pay an amount that they told both me and you was going to be credited. And I sure as XXXX am not paying the amount twice either. These people are corrupt. Please do something about this ...
Product: Student loan

As of XX/XX/2022, Discover Student Loans ceased the ability for borrowers who are charged off from paying through their online portal. The only way to pay is by telephone where Discover Bank purposefully attempts to verify your personal information for debt collection purposes. They have provided me with zero explanation for this change of policy nor have they provided any notice whatsoever for this change of policy. I have made payments every month for six years on my charged off loan through the internet with no issues. 

They are simply attempting to prejudice alleged delinquent borrowers and inconvenience them.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX/VETERANS XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$290.00} Status Collection account. {$290.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$220.00} Status Account charged off. {$220.00} written off. {$220.00} past due as of XX/XX/XXXX. 

FCRA violations : payments never late XXXX XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$290.00} Status Collection account. {$290.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$220.00} Status Account charged off. {$220.00} written off. {$220.00} past due as of XX/XX/XXXX. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type - XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type - XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Debt collection

Subject : Complaint Against Unauthorized Debt Collector and Violation of Consumer Rights To Whom It May Concern, I, XXXX XXXX, hereafter referred to as " Consumer '', am writing to file a formal complaint against XXXX XXXX XXXX also known as Lewis , McDonnell & Associates or McDonnell & Associates, hereafter referred to as " Collector '' a alleged debt collection agency that has been engaging in unauthorized debt collection activities and furnishing data to credit reporting agencies without proper authorization. This agency is not registered with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) to collect debts within the state of Illinois. 

As the Consumer, I have been adversely affected by the actions of the Collector. Despite their lack of registration with the XXXX, they have persisted in their attempts to collect debts from me, including the unauthorized furnishing of data to credit reporting agencies, which has had a detrimental impact on my consumer credit file. 

I demand immediate cessation of all debt collection attempts by the Collector, including but not limited to furnishing data to credit reporting agencies regarding my consumer credit file. Failure to comply with this demand will result in legal action being pursued to the full extent of the law. 

This complaint should be considered a formal notice of my intent to sue the Collector and the credit reporting agencies who continue to furnish inaccurate data for violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. I urge your office to investigate this matter promptly and take appropriate enforcement actions against all parties involved. 

Please feel free to contact me if any further information is required regarding this complaint. I appreciate your attention to this matter and look forward to a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute XXXX XXXX/care credit, address ID Number XXXX, Ive reach out to the creditors but no answer from them The balance listed on the account is incorrect. Please the delete the account
Product: Credit reporting or other personal consumer reports

While checking my credit score on XX/XX/2024. I have found that it almost went down XXXX points eventhough I was never late on any payments or applied for any new accounts. After investigating I found that somebody fraudulently created XXXX XXXX XXXX credit card ( XXXX ) account in my name and used to purchase lot of things without repaying the bill and which affected my credit score. I have immediately disputed this with all three agencies and transunion came back saying it is my account and I can revert it. I am awaiting for other agency response. Meanwhile I called XXXX XXXX  and asked about this. They said this account is closed but my credit score is still going down with late payment due to this account. They also mentioned that they will send me email and mail. I still have not received any call, mail or email regarding this since XX/XX/2024. I have called them thrice still did not get any mail or email They have promised email. But did not receive any till now. My credit score is going down I dont see any end to this issue. Could you please help me to resolve this issue ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously a complaint had been submitted for the reporting of incorrect information. Equifax removed certain information fields to make the report look accurate. However by doing so they made the information being reported incomplete. How can they say an account was 30, 60, or 90 days past due if they can't show a date of last activity? Also green dot and Equifax have repeatedly claimed to validate the information being reported as accurate. In accordance with the FCRA I have requested copies of the documents used to validate the information being reported. I have been refused. This is a clear violation of my rights under the FCRA. FURTHERMORE, the attached documents will show that XXXX XXXX is just reporting negative information to hurt my credit score. This is obvious because different information is being reported to all XXXX agencies. Yet each agency has validated the information as accurate.
Product: Credit card or prepaid card

I'm on short-term XXXX and it's through the EDD they're connected with Bank of America and of last week {$930.00} was withdrawn from my account without my permission basically I was hacked Bank of America now is not honoring there is zero liability I can not wait 90 days for them to investigate it has put me in a very very hardship situation maybe there is something you can help me with I'm in desperate need
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX, XXXX am the Heir/Beneficiary of the XXXX XXXX, Estate/Cestu Que XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX registered securities. XXXX XXXXXXXX XXXX XXXX ( herein the " XXXX '' ) both opened an account absent my written consent, and/or a P.O.A. to do so. No where in the initial contract does it express the XXXX intent to convey/communicate the entity 's private financial identifying/account information to third parties such as Experian, XXXX, and/or XXXX absent my written consent to do so in violation of the Privacy Act of 1974, and the Northwest Ordinance of 1787 Section 14 / Article I, and in violation of the included Financial Privacy Rule therein Gramm-Leach-Bliley Act of 1999 which requires financial institutions such as the XXXX to provide consumers with a privacy notice when the Consumer relationship is established and annually thereafter. The privacy notice must explain what information the institution collects about the consumer, where that information is shared, how it is used, and how that information is protected. The XXXX have never provided the mandated privacy notice. The notice must also identify the consumers right to opt out of the information being shared with unaffiliated parties and notify him or her if the privacy policy changes. The account information being communicated is part of a federal record in direct relation to my Treasury securities which are being maintained on a commercial book-entry credit system by financial institutions/brokers. Due to non-disclosure of material information in the XXXX XXXX XXXX foundational negotiable instrument, and due to the fact that I am the beneficiary of the accounts/assets being maintained by the XXXX, and due to the fact that all the Credit Bureaus are using private property for public use for unjust enrichment and without providing the XXXX XXXX XXXXXXXX XXXXust compensation in violation of the 5th Amendment of the U.S. Constitution, The XXXX XXXX account # XXXX and any/all collateral securities, as assets, heretofore owned and hereinafter acquired are hereby ORDERED to be retitled as follows : The Director of the Internal Revenue Service, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX for XXXX XXXX XXXX, as Beneficiary. I, XXXX, XXXX hereby give notice of this Revocation of Power of Attorney. It is hereby particularly stated that the assumed, presumed, and/or implied Power of Attorney executed by the Estate and/or XXXX XXXX XXXX, as Primary by which the undersigned Authorized Agent comprises XXXX XXXXXXXX XXXX XXXX, EXPERIAN, XXXX, and XXXX XXXX as acting attorney-in-fact for the purposes set forth in the alleged power-of-attorney is hereby wholly repealed, cancelled, and void, and as I have informed Experian report number XXXX, We opt out of any of the named XXXX and Credit Bureaus reporting, conveying, using, selling, and sharing any account XXXX from XXXX XXXX XXXX XXXX absent direct written consent from XXXX, XXXX, as Heir/Beneficiary. 

Signed By : XXXX, XXXX, as XXXX
Product: Payday loan, title loan, or personal loan

ACIMA issues are they tried hitting my account for payments 2 times and i set the account on monthly and it's suppose to be 90 days same as cash. 
I called get hung up on trying to resolve the issue. 
My bank contacted me to Acima was trying to hit my account 2 times weekly.

Bank stop payments to Acima due to them trying to hit my account 2 times a week Rude on phone always trying to over talk you never can say one thing to resolve the account.

{$50.00} dollars that was told to open the account and it went towards my bill. One lie after another with Acima and this weekly I change setting the account up in the store over the phone.
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion of Medical Collection Item I am writing to request the removal of a medical collection item from my Equifax credit report. The entry in question reflects a balance of {$1000.00} but lacks any identifying information such as a name or address. Due to the absence of these crucial details, I am unable to ascertain the origin of this item. 

Given the lack of sufficient information, I kindly request that this item be deleted from my credit report. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$85.00} XXXX XXXX XXXX Balance : {$72000.00} DEPTEDXXXX XXXX Balance : {$4300.00} DEPTEDXXXX XXXXXXXX Balance : {$7700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2023 XXXX XXXX XXXX Balance : {$72000.00} XXXX XXXX XXXX Balance : {$72000.00}
Product: Credit card or prepaid card

I was denied a discover card for rebuilding credit. Not sure why? My friend has worst off credit and they were approved for XXXX the it card i believe or whatever card is for rebuilding. I try and to get my hockey team on it. I talk to associate and said i should be ok and then wasn't. No really response and not helpful. i think they judgmental and should approved all rebuilding and poor credit people so we can rebuild our credit score. I was approved before and now deny.
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed a vehicle through XXXX XXXX on XX/XX/XXXX. The vehicle was a lemon. Within a year, I had to have the alternator changed 3 times. The alternator went bad again in XXXX of XXXX and the car would not run. The vehicle was towed to XXXX 's XXXX and XXXX XXXX was called and asked to come and get the vehicle. In XXXX of XXXX, there had been no response from XXXX XXXX. XXXX 's XXXX  went to the XXXX to obtain a salvage title and therefore the XXXX sent certified letters to myself and to XXXX XXXX. XXXX XXXX did not respond and XXXX XXXXXXXX  XXXX  was granted the salvage title. XXXX XXXX removed the debt from my credit report but is now reporting the loan as open when in fact it has been five years since the salvaged title was granted. XXXX XXXX failed to secure the vehicle from the voluntary repossession and this is on record with the XXXX  XXXX. The loan needs to be removed from my credit and closed.