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

Transunion Account name - XXXX card Account number - XXXX This is not my account. Also, a ridiculous time lapse between account closed and last activity reported. 

Also, I was denied credit by XXXX XXXX twice based on inaccurate information reported by Transunion, I will not pay additionally for my credit report nor do I want any more side hustle product advertising.
Product: Credit reporting, credit repair services, or other personal consumer reports

For over a year, I have been disputing these items on my credit reports. None of the creditors have supplied legal documentation such as a contract bearing my signature, my ID, calculations on the debt and who it was furnished by. These items are affecting my quality of life. I need direct resolution ... 

XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX {$4400.00} XXXX XXXX {$2300.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX {$240.00}
Product: Credit reporting or other personal consumer reports

On the day I went to purchase the vehicle XXXX XXXX, 2023, I have 2 hard inquiries from the bank and 1 hard inquiry from the auto dealer. I am not sure why they wouldve needed to run my credit 3 times when I was in an existing loan from the bank. However those hard inquiries hurt my credit score and I know I didn't authorize 3 credit inquiries.
Product: Credit card or prepaid card

On XX/XX/2021 I lost my American Express PrePaid debit card. I promptly ordered a replacement later that evening. While doing so, I became aware of 2 unauthorized charges that had taken place while my card was lost : XXXX XXXX XXXX {$2700.00} and XXXX for {$100.00}. I then Filed a dispute with the organization. I received a replacement card shortly afterwards and realized that the replacement card had the same # 's as the lost card. I called customer service and was told the representative that handled the call that evening made an error by marking my card " DAMAGED '' not " LOST ''. I ordered a second replacement card. I then received notification from American Express that my dispute was declined. The statement they used was " no error was found ''. I have since then made several attempts to resolve this issue. To no avail. I'm a XXXX XXXX XXXX XXXX American Veteran and deserve better treatment than this. Will you please help me. Thanks.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my XXXX XXXX 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade XXXX XXXX XXXX XXXX. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/year> EXP REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

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

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

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: Debt collection

Navient has started calling me again on XXXX/XXXX/XXXX at XXXX from XXXX. Trying to get information on a family member ( who does not live with me ). I told them to stop calling me in the past. Here they go calling again. Im currently taking legal actions against Navient for the false accounts on my credit. Why would I give them information to falsify on someone 's else credit?
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I was notified via push notification from the CashApp app that I had been charged {$180.00} from a XXXX store in XXXX, CA ( XXXX ). I immediately reported my card stolen so the compromised card could be deactivated, and I could receive a new card number, changed my PIN, and contacted support. I was initially told there was nothing CashApp could do, and they refused to file a dispute. After reaching support by phone, the associate apologized and allowed me to file a dispute. I received an email asking some questions, which I quickly answered and havent received any follow up as of XX/XX/XXXX, despite being told resolution could take up to 10 days. 

On XX/XX/XXXX, while still waiting for my new Cash Card to arrive in the mail, I received 2 push notifications that I had been charged {$60.00}, and {$180.00} in 2 separate transactions at a XXXX store in XXXX, CA ( XXXX ). I immediately contacted support again, and since the charges were still pending at this time, I was told to reach out to the merchant, which I did. XXXX told me to contact my card issuer. After the charges completed, I was then able to file another dispute. 

All transactions occurred in California, while I live in Alabama, and was in Alabama at the time all transactions took place. I was still in physical possession of the card at the time all transactions took place. At the time of the 2nd and 3rd transactions, I still had not even received my replacement card and had changed my pin number. I also have all security features made available to me by CashApp enabled and activated. 

I followed all steps as described at : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, US Dept ED Account # XXXX, XXXX Account # 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 reporting

I would like a real investigation do to a late payment from XXXX XXXX that was put on my experian credit report that is inaccurate. I have filed a dispute with XXXX XXXX do to automatic payments error once setup by a representative after filing they removed the late payment from XXXX and XXXX and I am trying to find out why this has not been removed from Experian. I have disputed with you previously and got letter saying updated. This is far from the truth and I believe you 're committing FRAUD on my account by reporting inaccurate information when I request physical proof! I request a human investigation to verify with documentation proof from the creditor reporting this information and have this sent to my address. 
If my request is not completed I will take legal action for my requested information of proof and compensation for violating the FCRA. 

If proof can not be provided I would like this to be removed off my credit report immediately. 

This Account is also a business card that should only report on my business profile. 

Attached if my proof this has been removed no please send me your proof.
Product: Credit reporting

Tried to obtain my free annual credit report using AnnualCreditReport.com ( ACR ) but Equifax keeps denying access to the report and instead redirects me to a page where I have to buy the report. Also, the ACR website will not allow me to submit a complaint about the problems with Equifax.
Product: Credit card or prepaid card

My monthly statement charged me a late fee for not paying bill Before XXXX XXXX but payment was made on due date of XX/XX/1921 Don't no exact time but was on that date They say that they have excused late charges before, I brought this problem to their attention several weeks ago, they they would call and let me know if they would take off excessive charges but never got a call.call again today and let them know. 
I've been with them for 20 years or more.I think with the world in a uproar be with this pandemic they Are being heartless and non empathetic especially to senior Citizens and the man supervisor I talked to XX/XX/21 @ XXXX XXXX Wasn't friendly at all. Shouldn't be a exact time as long as paid on due date
Product: Debt collection

Im submitting this complaint and request for investigation regarding ongoing violations of my consumer rights by Credit Collection Services. I am also disputing all debts you claim I owe and am revoking any consent for you to contact me via call, text, or email. Credit Collection Services has failed to adhere to specific consumer protection regulations, and I believe my rights under both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) are being violated.

In accordance with the following laws, Credit Collection Services has not met the legal standards for communication and debt validation : 1. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) You have failed to accurately disclose all information about the debt you are attempting to collect, which affects my ability to fully understand and assess this debt.

2. 12 CFR 1006.34 ( b ) ( 5 ) You did not provide me with clear information about my rights to dispute the debt, as required under this regulation.

3. 12 CFR 1006.34 ( d ) The required disclosures have not been provided within the necessary timeframe, preventing me from making informed decisions regarding the alleged debt.

4. 15 U.S.C. 1681s-2 ( 7 ) ( A ) Your continued reporting of this debt without substantiation and in violation of these regulations is materially damaging my credit report.

In addition to disputing this debt and revoking all forms of communication, I am formally requesting : Debt Validation Verification of the validity of this debt as required under the FDCPA.

Purchase Agreement Proof of the original purchase agreement between the original creditor and Credit Collection Services that demonstrates your authority to collect on this debt. 
Licensing and Bonding Documentation Proof that Credit Collection Services is licensed and bonded to operate within my state. 

Due to these violations of my rights by Credit Collection Services my credit report has been severely compromised and damaged.
Product: Credit card or prepaid card

On XX/XX/2021, sale orders # XXXX and # XXXX were placed in my name with a new Ashley credit card, following pressure sales of furniture and insisting items needed to be ordered early to ensure " they would be ready '' ... ..The items were ordered for my boyfriends new home, which he was closing on on XXXX/XXXX/2021. We were told that when he closed, we could go back to the store, cancel the orders in my name and REORDER everything in HIS name with a NEW card for him, as he was not able to open credit due to a pending mortgage. 

On XXXX/XXXX/2021, WE BOTH went to the XXXX XXXX Ashley store and completed the task of CANCELING ORDERS # XXXX and # XXXX. All items ( except the dining table ), were REORDERED and PAID with NEW CARD in XXXX XXXX 's name ; order # XXXX and # XXXX. 

Items were delivered as schedule to his NEW home in Connecticut on XXXX/XXXX/2021. If you review the order invoices attached, you will see the dates, items, addresses, names on the order and Card # used. 
XXXX XXXX has been paying for the items under his Ashley Synchrony account on time, with no issues. This can be verified by reviewing his credit account. 
MY Synchrony account should have NEVER been charged, as the orders were CANCELED from my name. 
The store verified orders were canceled, and despite the XXXX disputes I submitted, I am still being charged and it is taking a hit on my credit.
Product: Credit reporting or other personal consumer reports

I recently discovered that my credit report contains incorrect personal information, which has contributed to the appearance of unfamiliar and inaccurate accounts under my name. As a victim of identity theft, my information was fraudulently used, and I am now dealing with the consequences of accounts I were never associated with. Following Equifax 's instructions, I promptly filed a report with the FTC and submitted all necessary documentation. Despite taking these steps, the fraudulent items remain on my report.
Product: Debt collection

I have a collection on my credit report from  XXXX . The original creditor is listed as  XXXX   XXXX   XXXX . This bill was paid by my insurance. I have never received a bill for this debt prior to it going to collections.
Product: Mortgage

In XX/XX/XXXX, I received notice from my town of unpaid property tax from XXXX. I then contacted Freedom Mortgage about the issue, and they assured me that my property tax had been disbursed from my escrow on XXXX. In XXXX of XXXX, I then received another delinquency notice from my town, advising that my XXXX taxes were still unpaid in the amount of {$150.00}, and now with a late fee of {$56.00}. The notice advised me that if my taxes remained unpaid, additional fees would be assessed, and eventually my home would then be seized for sherriffs sale. I continued weekly dialog with Freedom Morgage, who said they would investigate. As of XXXX, my town property tax was still unpaid, at which time I paid the full {$210.00} ( {$160.00} in taxes+interest and {$56.00} in fees ) by writing a personal check to my town hall. Since then, I have continually been in communication with Freedom Mortgage demanding a refund of the out of pocket costs that I had to pay, a total of {$210.00}. They refuse to reimburse me, and continually tell me " the issue is still being investigated ''. I have submitted proof of my payment to them, and they still refuse to resolve my complaint. This has been ongoing for over 12 weeks, and there is no reason why they can not reimburse my expenses.
Product: Debt collection

My name is XXXX XXXX, and I am filing my complaint without the help or influence of any third person or agency. Please check the attachments for my complete complaint and request.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt collector recently started tactics to get paid debt that was taken care of from my insurance. I work for the facility I went and I used the hospital I was in network. This doctor I later found out XXXX room doctors are not in network, which this is not my fault. As when you feel very sick, is the last thing you will check if all providers are in network, Per my insurance XXXX employees get discounts with insurance if you go to their facilities, and so I did. This doctor refused a discount, or other means. Now 3 years later is attempting to collect a debt, that was in negotiations with my insurance XXXX, that they paid for and I am getting harassed and now decided to go against my credit. I am very upset was this is not correct. My means have not changed, We are not working as result form the pandemic. This is wrong, I want to be protected from companies that claim credits after several years, specially when the amount they want to collect is way above of the service provided and rendered.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States Ihave 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

On  XXXX / XXXX / 2017 , I wrote to  United Revenue corp disputing an account they were reporting on my credit report. I requested that they send me validation of said account, showing proof that this account is indeed mine. United Revenue Corp. re plied to my dispute request on  XXXX / XXXX / 17 , however, they replied to my request with a list of charges they have typed out on their letterhead. I DO NOT KNOW WHO  UNITED REVENUE CORP IS, I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. I am unaware of ANY medical bill, therefore, I wrote back to United Revenue Corp o n  XXXX / XXXX / 17  and advised them that I would like proper documentation. First and foremost, my name is  XXXX   XXXX   XXXX   XXXX , my father, m y  XXXX  cou sins, and both of my sons all bear the same name, as well as countless others in the state of Louisiana. So whose debt is this? I will say again, I am unaware of such debt. Secondly, this printout was NOT a billing statement from the creditor that shows a detailed breakdown of the services that were rendered. They also did n't send me a contractual agreement bearing my signature . United Revenue Corp merely typed a letter on their company 's letterhead, type in some charges and SAID it 's mine. It 's too much fraud in this world for them to think that this is an acceptable form of proof. THIS PROVES NOTHING. At this point, I believe United Revenue Corp, is intentional trying to deceive me. They are trying to get me to pay an unverified debt they have no proof that it is mine. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe. So, I am requesting proof that I am indeed the party they are asking to pay this debt, the date of the alleged medical service, and proof that there is some contractual obligation which is binding on me to pay this debt. Since I could n't get the proper documentation from them via certified mail and they have violated the FDCPA by reporting a unvalidated debt to the credit reporting agencies, I am requesting again that this account is deleted from my credit reports or ple ase provide me with the proper documentation, so this debt can be resolved. Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition of purchase or assignment, and authorization under subtitle D of t he ARRA, SEC. 13401. Also,  provide copies of any agreement that bears my signature wherein I hav e agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. In the event of noncompliance, I reserve the right to file charges in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act & FDCPA. I have also attached the certified receipts, my written disputes, as well as United Revenue Corp written results. You can clearly see they did n't send me proper documentation, which is negligence and deceptive practice on behalf of United Revenue Corp.
Product: Debt collection

My vehicle was hit in 2016 and totaled, my insurance told me they would handle it all. I never received a call, email or letter in the mail of the difference of my balance not being paid by my insurance. The only way I knew I owed {$1000.00} is because I paid to view my credit report. I called Credit Acceptance today to see what I could do to resolve the balance of {$1000.00} that they submitted to my credit report and they told me I owed over {$1700.00} to them because they are still accruing interest at 19 % since 2016. I asked why my credit report doesn't reflect this difference and the rep couldn't give me an answer. I asked to be transfer to a supervisor but I was told he was on another phone call. I don't think what they are doing is fair or legal since they have sent the balance to collections already
Product: Debt collection

National Business Factors XXXX XXXX sent a collection notice for me to my sister 's house. The letter was dated XX/XX/21, Principal amount of {$490.00}, and XXXX XXXX of {$120.00} ( XXXX XXXX {$620.00} ). The letter requested for my credit card information along with my drivers license. They also informed that " interest will accrue on this account on a daily basis, pursuant to Nevada Revised XXXX XXXX. '' I am unaware of such charges or unpaid debt.. I checked XXXX, XXXX and XXXX and I am in very good standing with all these credit bureaus.
Product: Checking or savings account

I reported to Chase back on XX/XX/ that I detected fraudulent activities on my Chase Total Checking account. Upon knowing that information, Chase sat on my report and did not safeguard my account which later on I was affected by further unauthorized wired fraud charges. 

The sole reason for my hacked account to remain open was that I was waiting for Chase to overturn my temporary credit reversal on my checking account. 

Based on these particular transactions, XXXXXXXX XXXX XXXXXXXX XXXX XXXX clearly indicates a red flag that a hacker could be building a false identity. My XXXX XXXX XXXX XXXX XXXX XXXX was also hacked so the hacker probably have photos of me. Therefore, any hacker that can gain access to make purchases can make any charge appear legitimate. Making it easy for merchants to approve those charges, which makes it all the more dangerous. 

I was instructed over the phone by a supervisor name XXXX from Chases Claims Online Department to go into any local Chase branch and have any employee fax it for legitimacy. Chase branch faxed and mail the requested affidavit 3 separate times, the branch manager XXXX from the XXXX XXXX XXXX can personally verify that he took the necessary action to expedite the process. Chase still claims they have not received the fax to this day. 

As it turns out, Chase later admitted they would not have credited me {$280.00} unauthorized charge from XXXX XXXX XXXX  charge due to some frivolous technicality ( must report within 60 days but has the courtesy option to file a claim ). If they had communicated that from the beginning instead of having me run in circles, I would have closed the hacked account by early XXXX, avoiding further fraud activity such as wire fraud that took place after XXXX. What makes this easy to prove is that the fraudulent checks did not have my actual endorsed signature on them. But what Chase should have at least done is to prevent any funds from going out such as XXXX payments. There should have been a restriction on all my recent activities from the day I reported this. 

According to Chases Total Checking policy, a minimum of a {$1500.00} balance in the account is required in order to avoid the XXXX XXXX monthly fee- if it was not for that, the hacker would not have been able to send out a payment of {$900.00} through XXXX because I would have withdrawn all of my funds out on the very day I reported the fraud activities. 

Any fraudulent activities after the XXXX XXXX could have been easily avoided if Chase did their job.