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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit 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
Product: Credit card

I purchased a XXXX sewing machine and cabinet from the XXXX XXXX. 
I disputed the transaction but my request was denied. I was unable to provide Synchonywith my side of the story because I was not given the opportunity to speak to the disupes dept. I was told just wait my 60 days. I have waited and now told the dispute was denied. I was not given the opportunity to explain my situation details. I purchased the XXXX and a cabinet. I was pushed into the purchase. The XXXX machine is beyond my capabilities and the cabinet does not even fit my space. When the delivery man dropped it off he was told by the owner XXXX to just fine a dumpster to put my current machine and my solid wood table in a dumpster. I heard that with my own hears. 
She claims that I abandoned the machine. I did not I tried to return the machine on XXXX separate occasions. XXXX was not at the store on the first time and the second time I was told by XXXX that it was too late. XXXX pushed me to make the purchase. XXXX distroyed my personal property.
Product: Checking or savings account

Hello, XXXX XXXX XXXX This is XXXX XXXX from XXXX XXXX CA. I have banked with chime for the past 4 years. In the 4 years I have never filed a dispute of any regards. In this instance I lost my card & was a victim of debit card fraud were someone fraudulently obtained my debit/credit card and withdrew over XXXX dollars of hard earned cash which in fact was my rent money. In the process of this transaction someone made two transactions at a shells gas station for XXXX which at XXXX in California you can use credit which would mean no pin is needed for this transaction to occur. In fact the merchant is typically trained to ID the customer which they werent. After a transaction at XXXX XXXX was attempted but unsuccessful. I was alerted for fraudulent activity on my account and an automated message was sent to confirm it was me it wasnt. In this same instance multiple cash advances to their cashapp under the name XXXX XXXX was made within a few minutes. While I was clocked in at work I sent them a copy of my time sheet as well. Ive contacted this company in a dispute in regards to get my money back in which it was given a credit but not in full. Now as of XX/XX/XXXX the credit has been reversed because, they said since the transaction happen in my own community and they enter the right zip code it had to be me. On XX/XX/XXXX I am sent an additional email email to resolve this issue by retrieving my {$950.00} & chime said this was my error and Im now in debt on my account Ive had for 4 years. Ive explained to chime that the number one reason I banked with them was due to the Zero liability policy they say the use where customers who are victims of fraud will not be held accountable but, this is a ploy to to entice and take advantage of customers and was not used in my case. Im really hoping the CFPB can help me with Chime banking company. 
My chime claim is is XXXX Account ending in XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been submitted to request that TransUnion, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). This information is fraudulent, inaccurate, and deceptive, and pertains topersonal credit card accountsthat was established at : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX The accounts mentioned above are unfamiliar to me. I did not open, create, or initiate the accounts listed above on my consumer credit report, which is maintained by you. Identity theft and fraud are the causes of all of the accounts mentioned above. I have included a copy of the FTC Identity Theft Criminal Complaint ( XXXX ) as evidence from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
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 XXXX no account # xxxxxxxx, amount {$500.00}, XXXX XXXX XXXX no account # xxxxxx amount {$420.00} has violated my rights I at my credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Student loan

When my student loans were serviced by Great Lakes, I tried to apply for Loan Forgiveness for XXXX  workers employed by not for profit companies. I was told that these requests were rarely approved and that I would still need to make regular payments as scheduled. I was on a graduated repayment plan and not instructed that I needed to enroll in an income based repayment plan to qualify. In order to circumvent the 6.55-6.8 % interest I had on each of my 3 loans, I refinanced my house and used the equity to pay off my loans with Great Lakes in XXXX  in the amount of {$83000.00}. I have been employed with the same not for profit company for over 11 years and would have now qualified for loan forgiveness had the lender adequately explained my repayment options and eligibility.
Product: Credit card

Yes I did, Have no account Numbers I wouldnt expect any cards, too much fees and interest, trying to get a little ahead, hard a hardship for awhileXXXX XXXX XXXX XXXX XXXX, wasnt out of work long, but I live alone! No help from anyone XXXX XXXX XXXX! I own my home, I make {$15.00} a hour I am sinking here, having XXXX XXXX  too trying to stay out of facility!!! I have no one my children are grown and gone, they will not return a call. I dont want to be a XXXX  I just need some help to get straightened out! I do think I have some money in the lost money fund but dont know how to get it! Thank you and XXXX Bless!
Product: Debt collection

I was provided with a notification of collections from Williams & Fudge , Inc dated XX/XX/XXXX for a debt due to XXXX   XXXX University XXXX XXXX for the amount of {$10000.00}. Friday XX/XX/XXXX, I reached to the organization to remed the debt. Upon trying to get ahold of the organization to establish a payment plan, or to get a general idea of my options, I accessed their website. There was a section to complete a proposal of payment, in which I completed requesting to pay {$50.00} starting XX/XX/XXXX, providing all of my necessary information for them to get ahold of me and send me a confirmation of payment plan. Upon submission, no confirmation email was sent and no record of the agreement showed up on their site, indicating that any attempt at reconciliation was made. Two days later, XX/XX/XXXX, I went back to their site to formally make a payment, establish payment plan, and also define the frequency and start date of the payment plan. Again, I requesting to pay {$50.00} starting XX/XX/XXXX. I provided my account information, established my payment agreement, and submitted the request. Again, I get no confirmation. Now, it is XX/XX/XXXX, and I received confirmation from my bank that the funds have not been taken out. I am not able to get ahold of anyone to get ahold and talk to. I have called on repeated occasions, including XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX in which I am prompted to leave my name, SSN and phone number, and they full call back. I was not comfortable leaving my SSN. I have left two messages at this point and attempted two attempts of electronic communication and have received no acknowledgement from the organization. I am literally unable to talk to anyone or process any payment plan.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX XXXXXXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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
Product: Money transfer, virtual currency, or money service

I ordered a XXXX XXXX through XXXX  at a significantly inflated cost on XX/XX/21 ( order # XXXX ). On XX/XX/21 it was reported " delivered '' by XXXX  at XXXX ( tracking # XXXX XXXX. My family was out front at the time of the reported delivery, as were my neighbors, no sign of a XXXX  truck ; XXXX did not opt to require a signature. I reported this to XXXX, XXXX and XXXX that day ( 2 deliveries from 2 different retailers were never delivered ). XXXX has no customer contact phone #, only chat and email support. XXXX investigated and multiple reps have explained the package was likely " misdelivered '' and that it has been escalated to " Security ''. I have informed XXXX  of all this since XX/XX/21 and to date, they have refused to file a lost package claim. I took out a loan through Affirm for the XXXX I ordered ( among XXXX 's payment options on their site ) ; they claim if a lost package claim is not completed by the retailer I may not receive a refund, and that it is entirely up to the retailer. I filed a police report on or about XX/XX/21 with my local XXXX Police dept. ( report # XXXX, XXXX, https : //XXXX, XXXX ) as this was requested by XXXX  " in order to file a claim ''. The officer came to my home and took my information and advised he could not provide a copy of the police report itself as no police dept can do that without a subpeona. I have since informed XXXX of this on several occasions, and they have repeatedly ( through email and chat ) advised they can not start a claim. Later the officer reported to me he had checked with several of my neighbors with cameras on my street and there was no sign of the XXXX  delivery vehicle at or near the time of the reported delivery. I have informed all parties of this several times. XXXX  almost immediately filed a lost package claim and even shipped me a replacement. I have talked numerous times with helpful folks at XXXX, at the local terminal, in their ground trace dept., and with corporate customer service. Almost all have advised to have the retailer file a lost package claim, and several have shared they acknowledge the package was " likely misdelivered ''. XXXX at this point has repeatedly requested a copy of the police report I have repeatedly advised I can not provide ( due to the police restriction ), but I have provided them all the details I have and they refuse to act to file a lost package claim. This seems to be a tactic to negate responsibility. As such, I am still on the hook for a substantial loan for an item I have not received. XXXX has no reasonable means to contact them and repeatedly shuffles the same responses despite my pleas. Affirm likewise is content to negate any responsibility by making the decision as to the outcome of my claim/dispute solely up to a retailer that deals in elicit goods gathered via a network of scalpers that is unwilling, entirely, to simply submit a lost package claim for a customer when the item was so clearly stolen.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding American Express for inaccurately reporting a business account as an individual account on my personal credit report. This misrepresentation creates an incorrect liability and violates consumer protection laws and tax guidelines. 

The account in question is a XXXX XXXX XXXX, issued for use by a separate legal entity. I, as an individual, am not personally liable for this account beyond its connection to the business entity. The card is explicitly a business credit card, not a personal credit card, as designed for business expenses. 

Furthermore, American Express is attempting to charge me {$28000.00}, an amount they have already written off for their tax benefit. Under federal tax law, including 26 U.S.C. 6050P, when a creditor writes off or cancels a debt over {$600.00} for tax purposes, they must issue a 1099-C form to the debtor. If American Express has benefited from writing off this debt, they can not continue to report or pursue it as a personal liability against me.

American Expresss misclassification of this account as an individual account on my personal credit report is inaccurate, misleading, and creates undue harm to my credit standing. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Requested Resolution : XXXX. Ensure the account is correctly classified as a business account and not reported as my personal liability. 
XXXX. Investigate American Expresss attempt to charge {$28000.00} while they have already benefited from writing off the debt for tax purposes. 
XXXX. Confirm compliance with the FCRA and IRS reporting laws. 

Please confirm receipt of this complaint and provide an update within 5-10 business days. I appreciate your prompt attention to this matter and trust you will work to correct these inaccuracies.
Product: Credit reporting

The XXXX account listed on my credit report shows as past due for XXXX payments of {$9800.00} ( credit report excerpt attached ). This account is current and no delinquency exists. Even XXXX 's company on-line information ( attached to this complaint ) shows my account as current and I 'm told updated information should be on my credit report showing the account is current with no late payments. This account needs to be corrected asap as I am trying to purchase a car and I ca n't get financing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Experian XX/XX/XXXX with information that has been on my credit report for awhile and the items does not belong to me i filed a FTC report and attempted to get a police report, but they stated since nothing tangible was taken they couldn't make an official report. I have items on my report that are not being validated I explained to them these items where fraudulent accounts that i did not open. I reached out to XXXX/XXXX the company reporting the accounts and they stated they couldn't find my information on file or it was transferred to a different department in which they didn't know to who. So if that's the case then they can't validate the account is mine Experian responds saying it was verified as mine but i never received any documentation showing I owe XXXX bucks because the documents don't exist. My other issue was a centerpoint account from XX/XX/XXXX its stating i owe XXXX in which i never had an account with them i called and asked them to send me supporting documents and they did't have any of my information in there system and tried to offer me an account i relayed the information to Experian to have this invalid information removed and they say it was verified as mine and i didn't get any documentation nor does the company have me on file.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Product: Debt collection

I sent email to XXXX explaining that i was at work and my cellphone service was not working properly. I informed them by phone as well as email not to respond to or communicate back or reach out to me from that address as it is my work email address and i am not to receive messages from them. Although i do not accept responsibility for the debt, they have a phone number or address on file provided by the original company should they need to reach out. I still received emails from that email address. Thye have made me feel bullied into paying by telling me they are going to report it to the credit agency on XX/XX/22 making me feel pressured to pay a debt before i can dispute it. They also have reported conflicting information. Example, they stated that they were informed by the original debtor that an exit inspection was not completed because the key was not returned. It does not state that anywhere in the paperwork we signed we intended on moving out. Also, we have no knowledge of the claim/damages being charged.
Product: Credit reporting or other personal consumer reports

I have diligently followed all the necessary procedures in disputing these accounts. I've reached out to the bank and they assured me the issue was resolved. I've also contacted law enforcement and provided a report and XXXX, which they confirmed as valid. Additionally, I've engaged with XXXX, who complied with legal requirements and removed the accounts. However, Experian seems to be presenting obstacles, claiming I haven't completed all the necessary steps. 

XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

Understanding the leniency towards banks and credit reporting agencies in legal matters, I'm hesitant to pursue a lawsuit. Despite repeatedly submitting my claim to Experian over XXXX months, I remain stuck. Each time, I receive a dismissive response, alleging that the documents I've provided are inadequate.
Product: Credit reporting or other personal consumer reports

There is some sort of DaveXXXX account showing on my credit. I do not know what this is. Further more I did not authorize Dave to place anything on my credit profile. I do have there app but I have never been informed that this company reports to the credit companies.
Product: Credit reporting or other personal consumer reports

I recently discovered that my credit report contains incorrect personal information, which has led to an unknown and inaccurate account appearing under my name. I have been a victim of identity theft, and my information was used fraudulently, resulting in an account I was never associated with. Following proper procedures, I filed an FTC report as advised by Experian and submitted the necessary documentation. Despite this, the fraudulent item remains on my credit report. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX Reported a collections account on my transunion credit report in the amount of {$1900.00}. The information is false and the account does not belong to me. It is a fraudulent account and I would like it removed as it is affecting my credit score. Please remove this collection from all 3 credit bureaus as this is not my debt. Thank you