23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has viclated my rights. 

15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This account XXXX XXXX XXXXs outdated and being reported incorrectly. The account is outdated and should be removed, Experian is reporting the tradeline as charged out with a negative balance. XXXX and XXXX is reporting this tradeline correctly.
Product: Debt collection

In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

On XX/XX/XXXX I filed complaint with the XXXX XXXX XXXX XXXX XXXX, also called the Federal Trade Commission # XXXX and filed with FBI. 

I was scamed by a computer scam, someone claiming to be part of XXXX XXXX. Since I had called XXXX for a # to get my computer repaired back in XXXX I paid the computer people what was to be a lifetime warranty. When I had trouble this XXXX I called them again and was assured I would not be charged anything that I had the warranty. Anyhow they kept asking for XXXX XXXX cards. I stupidly believed them and kept getting more cards ( {$32000.00} wprth on all my cards. I have since paid the credit cards all the charges for the XXXX  XXXX cards that I made. I kept all my receipts.is In XXXX this scam person, XXXX XXXX, asked for my credit cards-they would pay me back the money they owed me via the cards. I stupidly believe him and gave him the information, however, I did not give him the CVV number. I got a call from my XXXX XXXX, my XXXX XXXX card and my XXXX XXXX XXXX card questioning charges made to my account for XXXX {$400.00}. I told them no I had not made the charges and told them not to honor any more of those charges. They agreed and I have not been charged by them for any XXXX XXXX charges that had already occurred. 

I HAD ALSO CALLED DISCOVER CARD in XXXX or early XXXX, I had not heard from them, and told them not to honor any XXXX charges to my account. I did not know until the end of XXXX when I got a bill for {$2800.00} of XXXX charges on my account. I immediately called them, told them to stop again and reminded them I had called to stop these charges a month previous. They said they would investigate. 

There answer to me despite many calls has been since I gave out my card info I am responsible for these charges. They are completely ignoring the fact I told them NOT to honor any XXXX charges. Now they have sent my account to the 3 credit bureaus,.
Product: Credit reporting or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My credit report shows several billing mistakes, with late payments that dont reflect my typical history. I request these errors be corrected and my account updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to have incorrect information removed from my report. The letter was sent 30 days ago. I have not received anything from the company. The items are still on my report. I've disputed these items several times.
Product: Debt collection

I am a legitimate holder of an XXXX who has maintained an account in good standing. I can prove that their equipment malfunctioned on the reading end of the equipment because they read my tag both before and after the dates in question, however, they continue to harass me for 'administrative fees ' for the dates that their equipment malfunctioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 Credit Bureaus after I purchased a credit report with XXXX  on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were erroneous items on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, XXXX and hoping that these inaccurate items will be fixed.
Product: Credit reporting or other personal consumer reports

I sent a copy of the FTC report, and it has come to light that you are not obstructing records. In order to help with the legal response, I am sending this complaint as required by FCRA regulation 605b. If you choose not to obstruct the following items listed below, which contain fraudulently obtained answers, I will turn over my archives to my attorney so that they may start a legal process. My intention is to not pursue any lawful action, so please, if it's not too much bother, abide by the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX, XXXX XX/XX/XXXX XXXX Early Warning Services XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX, AZ XXXX Attn : Consumer Relations Attn : Consumer Relations RE : Request to Delete and Block Accounts Resulting from Identity Theft Dear Sir/Madam, My name is XXXX XXXX XXXX. I am a US Citizen and a resident of the state of Texas. I was advised by my local police department to send out this letter and to include specific fraudulent information appearing in my credit file. Please note that this information is inaccurate and appears on my credit file as a result of identity theft. The following information listed below is fraudulent and doesnt reflect any transactions made by me : Fraudulent Closed Accounts : Name of Institution Account Number Date Opened XXXX  XXXX XXXX TEXAS XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX Please delete and block this information from my consumer report pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. With this letter, I have enclosed a copy of my consumer reports received from your company, a copy of my identity theft report, proof of identity, a utility bill, a police report and other additional documents to support my claim. 

Thanks for your understanding XXXX XXXX XXXX
Product: Debt collection

The company with phone number XXXX continues to call my number. Last Friday it was @ XXXX, Saturday @ XXXX and XXXX, Sunday @ XXXX, Monday XXXX. The internet says this number is a debt collector for credit cards. I wish you could get them off calling my number, as they have a wrong number. Most of the time no XXXX answers, it 's just a quiet. The person they are looking for is not at this number and NEVER has been. We 've had this number for over 20 years. I 'm crazy with their nagging! There 's been more calls than above noted. Please get them to STOP! 
Thank you for your help.
Product: Credit card

On XX/XX/year>, my XXXX XXXX card was charged {$24.00} by XXXX ( dba Experian ). The charged indicated it was a membership fee. I do not have and have never signed up for an Experian membership. I disputed the charge, but XXXX XXXX denied the dispute, stating it was a valid fee. 

When this did not work, I attempted to sign in to my Experian account and was not able to do so. My password was not recognized, I was unable to reset my password and I was directed to call the company. When I called the number provided, I was not able to reach a person. The system took me in circles and redirected me back to the webpage. 

Finally, I found a number that connected me to an agent. This person checked my accounts and confirmed that I have no memberships active. They opened a case, which remains open and unresolved. I have called back to check on it multiple times, and no movement has happened.
Product: Mortgage

We paid the first installment of our XX/XX/XXXX real estate taxes on XX/XX/XXXX in the amount of {$7200.00} & {$430.00} ( interest ). The payment was approximately two months late. Our mortgage holder, Greentree Financial/Ditech, used this as justification to impose a Forced Escrow Account that would be attached to our mortgage account.Greentree Financial/Ditech 's subcontracted tax payment vendor, XXXX XXXX was notified about the late payment, and they SUPPOSEDLY sent a first installment check to the XXXX XXXX XXXX 's office but NO payment from XXXX was ever received or processed for this first installment by the XXXX XXXX XXXX XXXX XXXX, onlyOUR payment was received, and it was applied to the tax bill. On XX/XX/XXXX, we paid the second installment of our taxes, {$4500.00}, which was credited to our tax account by the XXXX XXXX XXXX 's office. Greentree/Ditech 's subcontracted Tax Vendor, XXXX sent a check AFTER our taxes were already paid to the XXXX XXXX XXXX XXXX on XX/XX/XXXX. That check hasbeen sitting at this office since that date, and it was never applied to our account because there was no outstanding balance. All this information can be verified with the XXXX XXXX XXXX XXXX XXXX, and we have attacheddocumentation validating this information with confirmationnumbers and dates of payments and payers. In XX/XX/XXXX, we began contacting Greentree/Ditech about this issue, urging them to contact the XXXX XXXX XXXX XXXX XXXX and have their funds returned. We sent letters, faxes, made calls, etc. We supplied documentation from the XXXX XXXX XXXX 's XXXX showing that the taxes were paid in full by us, and that no funds from Greentree/Ditech had ever been applied to our account. The XXXX XXXX XXXX XXXX XXXX told us that Greentree/Ditech must request that this check be returned to them, but they have never done this, in fact they have refused, because they want to impose the Escrow Account to our current mortgage. Our current mortgage payment was {$1400.00} per month, with the new Escrow Account, the proposedmortgage payment and fees would be over {$2900.00}, a 100 % increase in our monthly payment. We have decided to pay off the principal balance of ourmortgage this month, {$31000.00} ( plus interest fees ). The Escrow Account that was to begin this month should be voided, as it was to be initiated in XX/XX/XXXX, and the mortgage will be paid off before XX/XX/XXXX.
Product: Checking or savings account

Greetings My name is XXXX XXXX and I am a professional XXXX XXXX XXXX XXXXXXXX and XXXX XXXX licensed cab-driver. I applied for the SBA EIDL in 2020 and was approved for a loan for the amount of {$9000.00} dollars. My funds were disbursed into my Chase Bank personal checking account in XXXX of XXXX. However, I was denied access to those funds because a Chase Bank representative stated that " I was not entitled to that money ''. Essentially since I am not a business owner, I was denied access to my EIDL funds and my bank account was closed. Chase Bank provided me with a check of the amount of money that was in my checking account but not of the SBA loan. 

Ever since then I have done everything in my power to retrieve those funds. I have called Chase Bank and have visited different branches in order for me to retrieve these funds. Chase Bank representatives keep stating that they sent the funds back to the SBA. However I call the SBA, I keep being told that they never received the funds from Chase Bank. There is too much of a run around when it comes to getting answers and this is my last resort. 

I find all of this to be unfair because my business suffered economic hardships due to the lockdown. All I am trying to do is know the status of my funds and if I will have access to my funds. 

I am being asked to make payments toward my EIDL funds that were never received or used by me. I kindly ask that I be assisted with the following issues : 1. I want to know whether or not the SBA or Chase Bank has my funds.

2. If there is a way for me to retrieve this money 3. Finally, if I do not receive these funds anytime soon, if I can be forgiven for this loan amount.
Product: Debt collection

I have a collection on my XXXX credit report for the amount of {$2100.00}. I do not know what this debt is for, and the collection agency refuse to validate this debt. I have sent multiple requests asking them to properly validate this debt. I am unsure if this is my debt or not. This company refuse to cooperate with me. It is my right to request proper validation and this company has violated it by ignoring my requests. This company is hurting my chances of obtaining the credit that I deserve. It has been almost a year since I sent my first letter to validate this debt. I should not have to suffer because a collection agency refuse to validate a debt. They removed this account from my credit bureau reports then reinserted it on XX/XX/2018, without properly validating this debt. I have yet to receive any correspondence from this company.
Product: Mortgage

SPS has repeatedly denied mortgage workouts following a 90 forbearance offered on my conventional private investor [ XXXX XXXX ] owned mortgage loan. They have been unwilling to offer anything other than short sale. We have significant equity in home and feel that the servicer and lender know that any foreclosure sale would bail them out, thus no incentive to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account with Equifax since XXXX of 2021. I still have not received any results for their violations of my Consumer Laws. I am a federally protected consumer, and I am making this complaint against Equifax, for all of their violations. I have never given Equifax or XXXX XXXX, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. Your prompt response to this matter will be greatly appreciated.
Product: Payday loan, title loan, personal loan, or advance loan

I was charged with add-ons that I didn't need. Loan was paid off but I did not need the add-ons. Now I can't access the loan information
Product: Credit reporting or other personal consumer reports

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort.

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Collections that are being challenged XXXX. XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Listed below are the Inquiries that are being challenged XXXX XXXX | XX/XX/XXXXXXXX XXXX XXXX | XX/XX/XXXXXXXX XXXX | XX/XX/XXXXXXXX XXXX XXXX XXXX | XX/XX/XXXX NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. 

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Debt collection

XXXX XXXX filed a complaint previously with this merchant reporting agency, reflecting untruthful information on his credit report XX/XX/2023. After the review of the information set out by XXXX, the previous merchant collection agency reporting information on his credit profile with the three major credit reporting agencies ( XXXX, XXXX, and XXXX ) allegedly agreed to remove this information from his credit profile. XXXX is including the merchant credit collection agencies response to the first complaint filed. However XXXX has since checked his credit profile and is seeing that XXXX, by and through a collection agency doing business as an alleged Credit Collection Services is asserting that there is an unpaid collection account, despite putting in writing that the alleged debt would be removed from his report through their own collection efforts. This debt is not valid. XXXX made several efforts to return the equipment to XXXX, and in each instance was not provided adequate customer service to meet his need in so returning this equipment to them. XXXX called and was advised that he could not return the equipment without going to a local store. XXXX then brought the equipment to a local store and was advised to call customer service again. This is an unfair return process which is allowing for an extortive act against his reputation and finances. This account needs to be permanently removed and not allowed to be placed on his credit profile again, or possible legal action will commence for misrepresenting information in an attempt to extort XXXX of money not owed for goods that are not intentionally being kept from the merchant.
Product: Credit card or prepaid card

Chime denied my disputes against XXXX who sold me defective merchandise and refuses to return it, under Claim ID : XXXX ( {$780.00} ) and two out of the three disputes under Claim ID : XXXX ( {$270.00}, {$31.00} ). I provided Chime with proof via photos and video of how said goods were defective and not as described. Although theres no reason they could possibly provide that would justify them denying my claim, Chime did not even provide a reason whatsoever for their denial.
Product: Credit card

Goldman SACS Apple Card charged me for a item that was not delivered to my address They credited me then charge me then credit me and charge me This has been going on since XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report there is an account that is older than 7 years. The account this is playing games and using lack of reporting is XXXX XXXX XXXX In XXXX of XXXX, I had a 30 day late, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX a settlement, then XXXX they reported a CO. I have waited patiently for this to be removed. Due to XXXX not reporting any payment history and just the CO in XX/XX/XXXX they are reporting to the agencies that the XXXX late payment was XX/XX/XXXX, therefore leaving the account on my report. I filed an dispute with all 3 credit reports, XXXX and XXXX removed the file cause they did their job. Equifax just sent them an inquiry on when the last payment was and they again said what they reported XX/XX/XXXX and didn't remove the file. According the Fair Reporting Act, accounts should be removed 7 years after 1st delinquency. This account should be removed and I'd like to formally report fraud and breaking Fair Reporting Act legal statues for Equifax and XXXX XXXX I have a prior credit report, before they removed all the payment history showing the payment history from XXXX to XXXX. I supplied this document to all three agencies. Again 2 of them did their job and removed the file, Equifax is incompetent 's and breaking the FRA legal statue, but not doing their job and asking for proof of 2 year payment history.