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

I initiated an investigation on a disputed on several accounts of which several were 7 years old. The company chose to update it though the account was opened 7 years or older and inthe dusputes the consumer is not given priority in these cases. The companies are. In the event of XXXX, they had a security breach and I can not access my report. A dispute was started on XX/XX/XXXX with Experian. XXXX would not allow me access to my report. I have been denied credit because of this.
Product: Debt collection

I received a alert yesterday that a collection has been place on my credit report. I called midwest recovery systems and they state i owe a payday loan from XX/XX/XXXX. I never heard of the the company they stated i got the loan from ( XXXX XXXX ). I have not received any documentation about owing any money to anyone. They are suppose to send you by mail a bill or collection of debt attempt and then wait 30 days before they report to the credit agencies. This was not the case ; I have received nothing. The statue of limitations for collections in Arkansas is 5 years ; this is from XX/XX/XXXX. I think it funny how i haven't been contacted about owing money but 7 years later i owe something. If you XXXX midwest recovery systems all you read about is fraud warnings and scams and i think that is whats happening here. Per my lawyer our official complaint is : Midwest Recovery Systems has reported an account in collection to all 3 credit bureau. I do not recognize this account. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note this is a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent. If your office fails to reply to this debt validation within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, and have filed a complaint with the Federal Trade Commission. I am disputing a collection item placed on my credit report XX/XX/2019, with a company known as XXXX/XXXX. This item was removed from my credit report back in XX/XX/2019, and has been placed back on my credit report to XXXX, XXXX  & Trans Union. 
I have never had any business dealings with a collection agency known as XXXX XXXX, nor have I signed any documents or agreements with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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 I also have some hard inquiries on my XXXX report that I didn't authorized. 


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 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 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 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 or other personal consumer reports

I have made multiple attempts to resolve the issue of fraudulent, inaccurate, and misleading information on my consumer report, but the problem persists. The presence of these items has significantly impacted my life, causing considerable stress and XXXX I must emphasize that, as a victim of identity theft, I never authorized or consented to the association of this information with my name.
Product: Checking or savings account

Received the following email on XX/XX/XXXX from Chase Bank : Important : We decided to close your account ( s ) Financial institutions have an obligation to know our customers and monitor account activity. After careful review, we made a decision to close your account ( s ). We sent you the information in a letter through U.S. Mail. It should arrive within the next few days. 
If you need to talk to someone after receiving the letter, please call us at XXXX ; we accept operator relay calls. 
We need the fastest way to contact you. 
Sign in and make sure your personal profile includes your mobile phone number. 

On XX/XX/XXXX, I went to Chase Bank local branch office and was told that my account will be closed on XX/XX/XXXX and that no further information could be given. I told the branch manager at XXXX XXXX and XXXX XXXX, XXXX, XXXX, that the checking account was in good standing, that there were no overdrafts, bad checks or other problems, that the account was used as primarily as my personal checking account as a XXXX  citizen age XXXX to deposit my social security check and to pay my apartment rent and life insurance premium. 

I then called Chase customer service and spoke with XXXX  ( First name only ) from the Compliance Team at Chase and was told that they can not give a reason for closing the account but that they have the right to under the Banking Agreement. I was further told hat the closure process would start on XX/XX/XXXX and there would be a hold on my funds and that the process would be completed within 10 business days thereafter and I would receive a bank check for the remaining funds in the account. I explained that I needed more time to get a new checking account and to notify social security administration and my life insurance company which debits my account for the life insurance premium and I requested a proper 60 days notice. My request for extension was arbitrarily denied.
Product: Money transfer, virtual currency, or money service

They scammed me on cash app, they asked me to download XXXX app and they started manipulating my phone. They asked me to removed my card bank on my app, they gave me a new card number but i cant see it on my cash app. Then they asked me to add cash {$100.00}, {$100.00}, {$59.00}, {$59.00}, {$50.00}, {$49.00} the total amount of {$410.00} i added cash. They asked me to transfer money to my husbands cash app and asked me his last 4 social security i gave them. When i came to realized that those people are scam i requested the refund from my husbands cash app. And came to re-transfer it again and transferred in our account. Yesterday when i checked out my account i seen those people took the money. The date was XX/XX/2020.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a title loan with Reprise Financial, on XX/XX/XXXX loan number # XXXX using my fully paid-off XXXX XXXX XXXX XXXX as collateral. My credit score is over XXXX, and I was constantly contacted by Reprise Financials representatives, who made the process seem straightforward and beneficial. However, once the loan was finalized, I was shocked to discover that the interest rate was set at an exorbitant XXXX %. 

At no point during these frequent contacts was I made fully aware of how high this interest rate would be, which makes me feel that I was deliberately misled and taken advantage of. My vehicle, which I had already paid off, was essentially used against me in this situation, trapping me in a loan with predatory terms that I never would have agreed to had the details been transparently disclosed. 

To make matters worse, I requested a copy of my contract on XX/XX/XXXX to verify the terms, but as of XX/XX/XXXX, I have not received it. The lack of transparency and failure to provide me with this critical document further reinforces my belief that I was unfairly exploited in this process. 

I am seeking an immediate reevaluation of the loan terms to reflect a fair interest rate and the prompt delivery of my loan contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ; XXXX XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XX/XX/XXXX.
Product: Vehicle loan or lease

XXXX  XXXX XXXX XXXX, capital one auto refuses to accept payments from my business account more than a year after I closed the personal account I had used for making payments. I was told at least twice that three regular payments in addition to paying the payment due to catch up, would allow me to resume paying automatically. Each time I fulfilled my obligations, their story changed. Either I hadn't called before another payment was due ( I had ) or now it was 6 payments before I could regain online access. 

Meanwhile, each time I missed a payment, I receive emails personally inviting me to use their website to make a payment. Of course this is just a ruse, meant to frustrate their customers. 

Capital one seems to intentionally discourage people from making payments on time while insisting that their customers share personal information including credit card numbers to operators in the XXXX. 

The balance is almost paid off. There's no need to keep me from making payments on time.
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.

TRANSUNION 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 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 couldn't apply for any loans because of these negative items on my report which shouldn't be there
Product: Credit reporting, credit repair services, or other personal consumer reports

I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 %. For several months, I have been trying to dispute negative accounts from my credit report, several times. 

In accordance to Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when several inaccuracies are shown on my report? 

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. $ 168i ( 7 ) Method of verification- Description of reinvestigation procedure. 

Listed below are the negative accounts : XXXX XXXX XXXX {$580.00} XXXX XXXX XXXXXXXX {$740.00} XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXX  {$170.00} I attached the latest dispute letter I have filed a complaint against bureaus and creditors.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I lost my checking account information and I then called to close the account and was told that I owed a balance of which I did not incur or was even aware of. I was told by the fraud  department that I needed to file a police report and send it in with the account information on it and that was done. To further protect myself I filed chapter  XXXX bankruptcy and included the amount. The bankruptcy was filed in XXXX of XXXX and discharged XX/XX/XXXX. I came in XX/XX/XXXX to open a personal account and was told that I could not open it because I owed that amount even though I included it in bankruptcy because I wanted to make sure I was in the clear and that no adverse action could be placed against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

As ALWAYS with TRANSUNION, I have sent all personal information required to verify who I am. Only response was a mailing addressed to some other person at my address. 
I tried to contact transunion on their web site and by phone ... ..ALWAYS THE SAME. 
Can not log in because they force you into a loop making it impossible to log in. The same with phone contact. It goes to automated answering which does the same routine, THE LOOP. 
I am beginning to think that this is just another company that facilitates HACKING INTO PEOPLE 'S ACCOUNTS. There is no other apparent reason for their existence. They seem to XXXX XXXX  people 's information only to manipulate into some other entity. 

At the present time my phone has been on hold for over an hour with the same cacophony polluting the airwaves.
Product: Money transfer, virtual currency, or money service

Ive had {$100.00} US currency available in my Venmo account for three whole days and have been declined over and over at atms and with transactions at store registers. Ive contacted customer support multiple times over this issue and have been getting the same generic computer generated replies even after asking for a supervisor or shift manager for customer service. Im not able to send or use this money yet there is nothing pending on my account and absolutely no way for me to be in more contact with customer service with my scheduling. I have attached some screenshot Images to confirm my claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, and equifax are committing fraud by keeping these accounts XXXX XXXX XXXX, XXXX, and XXXX XXXX on my credit report even though these companies have sold the debt and no longer own them they need to be deleted immediately
Product: Vehicle loan or lease

On XX/XX/2023 I am getting a car with carvana. When I first started the paper work I signed up for the short warranty and was given an XXXX XXXX. Before I finshed the paper work and gave my down payment I ask if I could take the warranty. I was told if I did that they would have to start the paper work over and the system might ask for more verification paper work to be sent in. I think that was just a tactic to keep the charge on my account. Carvan pushed my delivery of my car back twice. Sending me out two different sets of paperwork. On there app it has my XXXX XXXX I called them and ask them to send me out paperwork with the updated XXXX of XXXX not XXXX XXXX they told me the XXXX XXXX was a mistake and XXXX would stand. I told them thats is a bait and switch and they could not do that. I Also told them I had not signed the new paper work and since the car had to been delivered the old paperwork did not count. They told me nothing could be done I ask for managers and was denied. I ask again and was told I would have to wait 24-48 hours for a call back. I told them u would file a claim and they disregard me and pushed me to the side there custom service is horrible and they only tell you take the car or go some where else and buy one
Product: Credit reporting

I was going through the hiring process at a recruitment firm and they were doing the background check through HireRight. HireRight reported that my Social Security Number ( SSN ) was issued between XXXX and that they issued a warning about it. I went to the Social Security Administration twice to confirm that they had issued me the correct SSN number and they stated that it was issued in XX/XX/XXXX. I tried to speak to HireRight about this to no avail and also sent them documents from the SSN Administration officej but that did me no good. The company ended up pulling my offer and said that they could n't hire me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I would go in a car dealership in a span a lot 3 year they gave me hard inquired and they always would tell me it was soft inquires I didn't know the different about the two its not since 2 years ago I started to look into my credit and saw over XXXX inquiries in experian I didn't know they were send my credit all over the banks and credit unions.
Product: Debt collection

To whom it may concern, I wrote you requesting validation of this alleged debt. As of today, I have not heard back from you. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. 1. ) What is your authorization of law for your collection of information? 2. ) What is your authorization of law for you collection of this alleged debt? 3. ) Please send evidence your authorization to do business or operate in the state of Texas 4. ) Please provide a copy of the purchase agreement of the alleged debt. 5. ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand-signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX ) in error, and that this matter is permanently closed.
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21, I sent a letter, return receipt requested, to XXXX XXXX XXXX, XXXX and Experian with a request for documents proving this debt was valid. I had disputed the issues online, over the phone several times, and then, in the letter. I received a letter back from XXXX and they only addressed XXXX of the accounts with a statement of Verified as accurate however, we didnt receive the requested documents. The date is invalid, the debt is invalid, and we requested that they prove with documents or delete the debt. They did neither. I stated in the letter, pursuant to XXXX USC XXXXg Sec XXXX ( b ) of the FDCPA, they must follow the guidelines and requests. I also stated per the FCRA, they are legally obligated to report accurate information and they have failed to do so. We have now way to fix this as our requests have been ignored and they continue to list XXXX collections when they are inaccurate or invalid.