23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the erroneous reporting of a timeshare account by XXXX XXXX XXXX XXXX ( XXXX  ) on my credit report. This account is not mine, and I have no knowledge of, nor have I ever entered into any agreement with XXXX regarding the ownership or purchase of a timeshare. This account has been inaccurately reporting for over 10 years and is severely impacting my credit score. 

As an XXXX XXXX XXXX XXXX with XXXX XXXX  of honorable service, it is particularly troubling to have my credit harmed by an error that I have tried to rectify for an extended period. I request an immediate and thorough investigation into this matter and the removal of this account from my credit report under the following consumer protection laws : 1. Fair Credit Reporting Act ( FCRA ) Under the FCRA, consumers are protected from inaccurate or unverifiable information being included in their credit reports ( 15 U.S.C. 1681 ). Since I have never had any affiliation with this timeshare, this account qualifies as inaccurate. I am entitled to : Have inaccurate or unverifiable information removed from my report ( Section 611 ). 
A correction or deletion of this information within 30 days of my dispute ( Section 611 ). 
Notification of the correction to all consumer reporting agencies that have disseminated this false information. 
2. Servicemembers Civil Relief Act ( SCRA ) As an XXXX XXXX member, I am also protected under the SCRA. The SCRA provides additional protections in cases where servicemembers may be targeted or harmed by financial inaccuracies or predatory practices. The reporting of this erroneous timeshare account, which has caused severe damage to my credit score, must be rectified immediately in light of these protections. 

3. Identity Theft and Fraud Given the circumstances and the fact that I have no knowledge of this account, this may also be a case of identity theft or fraudulent activity. Under the FCRA and Identity Theft Laws, you are obligated to : Block the reporting of this disputed item if fraud is suspected ( 15 U.S.C. 1681c-2 ). 
Provide all relevant information related to the dispute to the creditor in question, XXXX XXXX XXXX XXXX. 

Investigation into whether this account was mistakenly or fraudulently attributed to me. 
Please consider this formal dispute under both the FCRA and SCRA, and ensure the resolution of this matter promptly. The inaccurate reporting of this account is a violation of my rights as a consumer and military service member, and I will escalate this matter to the appropriate authorities, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), if this issue is not promptly resolved.
Product: Credit card

On XX/XX/XXXX, I placed an order with samsung.com specifically because Chase had an offer on my freedom card ending in XXXX advertising 20 % off any orders made before XX/XX/XXXX, the expiration date. 

I placed the order on XXXX  on XX/XX/XXXX ( see receipt ), but due to delays on XXXX 's end, the item was not shipped until XX/XX/XXXX, and the transaction was pending all the way up to XX/XX/XXXX when it was finally posted by Chase. Because of the delay, Chase is refusing to offer the falsely advertised 20 % off despite the FAQ of their ChaseOffers stating " If you made the transaction before the expiration date and met the requirements of the offer, you should receive a statement credit. While payment is pending, the offer may appear as expired in the Offers XXXX. The offer should appear as redeemed within 14 business days after the transaction post date. '' This language in their FAQ is the only reason I placed the order expecting the offer to be applied, but they are refusing to honor their advertised offer. I have escalated twice to Chase customer service and have been denied, their reps cited completely different reasons each time about the shipping date, pending date, and transaction date. The offer language by all common sense is being marketed and advertised the consumer should place the order before the expiration date, as my receipt below confirms I did
Product: Payday loan, title loan, or personal loan

I have a few lines of credit with Upgrade which I have informed them I will no longer be paying as a result of Upgrade breaching our contract, violating my privacy rights and deliberately providing FALSE information. I have to bank account linked to these loans, As retaliation Upgrade has refused to to allow me to remove any one or either of those accounts. I want to remove these account because I found out Upgrade is able to ascertain all my transactions including my medical transactions which is a direct violation of my Hippa rights. Further, a more severe violation because Upgrade takes that information and sells it to third party data collecting companies. Which is also a clear and direct breach of our contract a contract Upgrade drafted. I am requesting Upgrade remove my account ending in XXXX from all loans/ lines of credit it is linked to. I no longer will provide Upgrade permission to debit this account nor collect information from this account.
Product: Checking or savings account

have XXXX Ally bank cd IRA accounts.! acct ira cd closes on XX/XX/XXXX and the other IRA CD closes on XX/XX/XXXX. I sent in the forms to close the IRA accts and transfer to my Ally savings acct on those dates. I mailed the forms on XX/XX/XXXX. I called starting XXXX  day ago to make sure they rec 'd the forms. Hold times are over XXXX hour. I just called and the wait time in XXXX hour and XXXX minutes. I chated with somebody after waiting XXXX hour to chat and he told me the forms are not viewable because they probably are in a batch waiting for the closing dates of XX/XX/XXXX and XXXX. This is totally unacceptable. its a gamble to see if my accts are closed? What kind of outfit is this? The chat rep gives me a phone # and it's the same # that has a XXXX hour XXXX minute hold time. Im talking over XXXX that I want out and they can not answer my question if they got the forms. I do not want this renewed ... The customer service is the worst I have ever seen.
Product: Debt collection

I believe the account is invalid. RADIUS GLOBAL SOLUTION needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 

RADIUS GLOBAL SOLUTION XXXX
Product: Checking or savings account

On XX/XX/18 I opened a BBVA Clear Connect Checking account with Promotion code : XXXX. This promotion is for {$100.00} deposited into checking account after meeting a requirement. I completed this requirement by processing a bill pay to a cable company for {$25.00} on XX/XX/18. The terms of the offer state that the checking account bonus will be deposited within 90 days of meeting the terms. Seeing that it is now beyond 90 days and BBVA refuses to acknowledge this, I am filing a formal complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to you disputing this item was erroneous and fraud on XX/XX/2021 and mailed them. I received notice in the mail that you received the dispute letter. It is now XX/XX/2021 and I have not received a response from you. You have not complied with the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ),
Product: Credit card or prepaid card

The credit bureaus needs to fix this issue about the inaccurate information for the inquiry. 
ADVANTAGE CREDIT INC being reported on my account The inquiry posted should not be on my report because I have neither inquired nor reached out to anyone. The inquiry was pulled without my knowledge. Please be noted that I have sent out letters prior to this complaint to the Credit Bureaus and to the company for them to investigate. Failure to comply with the request should be an automatic removal of the disputed inquiry.
Product: Credit card

On XX/XX/year>2024 I was contacted via email led to believe that my XXXX XXXX needed my help with buying gift cards for our corporate office team, this conversation was through an XXXX XXXX app. I had just started a new role on XX/XX/XXXX and knew that our company had a competition throughout the organization. In my field of XXXX XXXX, it is not uncommon for us to buy gift cards. 

The purchase was made at XXXX of {$750.00} which is very unusual for my credit card startments due to it being not only a high amount for a grocery store but because I rarely shop at XXXX stores. Unfortunately, I used my own credit card to purchase the gift cards because I wasn't sure what my corporate card 's budget was and due to who I thought was my XXXX XXXX  informing me that they would reimburse me the money ( {$750.00} ). The credit card I used for the purchase was my Chase Bank Freddom Credit Card. This was requested via my email that was on file when I applied and accepted the role and they used my XXXX XXXX 's email signature. 

I was requested to take photos of the gift cards which I felt weird about. Due to feeling this way I sent the photos over the my actual XXXX XXXX XXXX 's work email at which he informed me that he had no idea why I was sending these photos and it clicked.I have not been a victim of scamming and have a clean record of credit card payments. 

I am more than happy to provide additional screenshots as needed.
Product: Credit reporting or other personal consumer reports

I am writing this complaint regarding the accounts and information that Transunion is reporting to my consumer report. After going over my report I noticed several accounts that are negatively impacting my credit score in which I have no knowledge of the creditors reporting this debt. Ive then mailed a letter to Transunion asking them to investigate these accounts in which they never gave me a response. I reached out to the creditors and asked them to verify any debt and send me all documentation that authorizes the accounts. I am aware that it is Transunion 's duty to properly investigate my consumer report and remove anything thats not accurate nor verifiable. If theyre reporting these accounts, why cant they be verified with proof of signatures? The creditors listed in my complaint never had the consent to report, which is a violation of my right to privacy. Also, purchasing and selling my personal information without my consent is fraud and violates my right to privacy. No account may report to my consumer report without my consent or validation. In this complaint I have a dispute letter with the inaccurate information that I would like Transunion to investigate and ensure the most accurate information possible is being reported. 



Violations committed by Transunion and the Creditors : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Product: Debt collection

Aspire Credit Card solicits as a credit card to help people with poor credit build their credit. But, their bills are consistently misleading. The amount reflected on your bill is frequently in conflict with what the chat representative conveys when asked to explain the bill. If you pay your bill early it is reflected as an additional payment within the same month, yet their system does not advise you of a prior payment received at time of payment. The available credit on the bill is misleading. I became over the limit because of it. The over the limit amount math did not add up and could not be explained. It appeared there was a over the limit fee and additional fees mysteriously included in the calculation of the over the limit amount reflected on the bill. It is the most confusing card billing system, I have ever tried to keep up with.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I found out about the data breach on EquiFax. They had a website to check if you were a potential victim of the data breach. By using their provided website, I found it I was listed as a potential victim. EquiFax then offered a year free of credit monitoring if I agreed on XX/XX/XXXX ( A date they assigned to start the enrollment for this service ) and opt out of any lawsuit that came from this. I will be withholding my enrollment as this is a unfair and truly disgusting way to approach a major issue by EquiFax.
Product: Credit reporting or other personal consumer reports

The following inquiries appear on my credit report and have not been authorized. Needs to be removed asap THE FOLLOWING COMPANIES HAVE PLACED AN INQUIRY ON MY CREDIT WITHOUT MY PERSMISSION OR WRITTEN CONSENT OR PERMISSION.. THEY NEED TO BE REMOVED ASAP AND CONTACT ALL CREDIT AGENCIES AND HAVE THEM REMIVED FROM THERE SYSTEM ALSO 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 am a victim of identity fraud. 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, these accounts has violated my rights. I looked at my Experian credit report on XX/XX/year>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 generallf, 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.
Product: Credit reporting

My name is XXXX not XXXX, XXXX, XXXX these names are erroneous. I never lived in XXXX MS nor have I ever worked at XXXX. The last four of my social security number is erroneous as well. I have never filed Bankruptcy.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Late/Closed XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$34.00} XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} Charged off XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed Inquiries : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I took out a loan XX/XX/XXXX for {$2700.00}. I did not realize the interest rate was 160 % interest. I have made a {$230.00} every two weeks since XX/XX/XXXX ( 6 payments ) which total {$1100.00} and ONLY {$160.00} of that {$1100.00} has gone towards the principal amount of {$2700.00}. After 6 payments ( {$1100.00} total ), I still have a pay off balance of {$2500.00}! Please help me!! This is criminal according to the XXXX XXXX Laws with a 36 % max interest rate of personal contracted loans under {$5000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I've disputed 3 accounts that shouldn't be on my credit report multiple times with XXXX  and the collection agencies listed below.

I've sent letters to both XXXX  and the collection agencies, expressing my concerns of the inaccurate negative events that has been listed on my credit report.

I'm trying to by a house for my family, i'm only XXXX  yrs old, and these inaccuracies are hindering me from building a foundation for my family. XXXX has removed these unjustified accounts due to the collection agencies not be able to verify the accounts, so how is it that XXXX  say they are accurate?

I specifically asked XXXX  and the collection agencies both, to provide me with any and all documents that were used to verify these inaccurate accounts they've listed on my credit report. The collection agencies hasn't responded, I haven't even received any kind of communications from the collection agencies, only a negative on my report, and neither has XXXX.

XXXX hasn't provided me with a response to when and how did they verify these accounts. I feel as if XXXX, isn't a neutral party to disputes for consumers, they seem to take the word of collection agencies without actually investigating disputes.

I would like for XXXX  to show proof of how they came to the conclusion that the negative events they've listed on my report is accurate, but if they can not, I am requesting the negative events listed below to be removed immediately! Because a name and a balance isn't proof that a individual owes a debt.

I think XXXX  makes bad faith decisions and are not properly investigating disputes. The certified letter that I sent XXXX  on XX/XX/XXXX that they received on XX/XX/XXXX clearly states, that I am requesting proof of the negative event and proof of how they verified the negative event as accurate, which I haven't received, even though the disputes are completed, yet remain on my report.

Please have XXXX  remove these 3 negative events, they are really hurting my life regardless of how hard I work.

Im trying my best to refrain from legal action against XXXX, but it seems inevitable, because I all honesty, inquiries and denial letters randomly starting showing while they were being hacked in XX/XX/XXXX, so this is more than likely their fault. Regardless, please have them to remove these negative events that they are wrongfully listing on my credit report. 


( NEGATIVE EVENTS - COLLECTIONS ) MIDLAND FUNDING Account number XXXX XXXX  XXXX XXXX Account number XXXX XXXX  XXXX XXXX Account number XXXX Please remove these negative events immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX AL, XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I've attempted numerous times over the past almost 2 months to get my card mailed to me with my money on it ... I've been giving excuses and different stories of why they cant send it. Everytime I call, I get a different story.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>
Product: Checking or savings account

We have been customers of Regions Bank sinceXX/XX/XXXX, when they were then known as XXXX XXXX Bank XXXX XXXX. We have/had a XXXX XXXX XXXX FREE Checking account. They started charging a monthly fee for holding this account with no notification because it no longer receives Social Security deposits ( due to seizure by the government to pay for XXXX expenses ), and it was not in the account requirements when we opened the account that direct deposit or any minimum balance was required. After discussing the issue with a customer service rep, they told me we had no choice but to pay the fee, would not refund the fee, nor waive the fee. They also refused to allow me to close the account without jumping thru a ton of hassles. Regions has made a habit of overcharging and bilking senior citizens living thru fixed incomes and XXXX issues by sucking extra fees from accounts with well over a {$1000.00} balance.
Product: Student loan

I attended XXXX College XXXX XXXX and was called into the financial office many times saying that I needed to pull out more loans because my Grant did not cover my XXXX Quarter. They picked the loan for me to pull which was a company named Genesis. They would literally pull me from class or put a hold on my access to computers so that I would have to directly go to the financial office in order to lift the hold on my access to school computers. I was also pulled out of class and was told that I would have to make cash payments or " house payments '' of {$20.00} a month for a total of {$500.00} for a " opportunity grant '' or so I was told. Even though they knew I did not have a job and was a single parent trying to make a better life for my daughter. I had to ask my mother for help to make a loan payment from e-payment which I believe they had me sign up XXXX on purpose saying I never made the payment in order to get XXXX payments at a time. They were to take out {$40.00} cents once a month and were taking {$80.00} a month instead. I called them numerous times to cancel XXXX payment because there should n't have been XXXX and they said they would fix it and still took out {$80.00} until my mom cancelled them on the day my school closed because I was told I would not be able to finish my last quarter without making those payments because that was the quarter my Grant supposedly did not cover. Who would of loan that 's exactly what had happened, I was in my last quarter at my internship site and was n't able to complete my last quarter anyways even by pulling out that loan they said I had to have to finish school. Now I have so many loans and no degree and in an even bigger hole than I was previously in. I thought going back to school would help make our lives better but I am even more messed up then I already was. can someone please help us in the right direction, I really am just so lost. please and thank you.