23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

This is a disbute on Discover Card. 

On XX/XX/2017 I used my discover card to purchase a Coaching program for an online company I was involved in. The purchase was split between Discover card and another CC. The total was for {$25000.00}. I put down on this Discover card {$10000.00} and {$550.00} on XX/XX/2017. When I signed up for this program I was informed that I should be in contact with someone within 2 weeks to start my coaching. I sent numerous support tickets and 3 phone calls and a few e-mails before I was finally contacted in XXXX and was suppose to start as soon as I got a coach. I only got in touch with my coach finally in XXXX. We had ONE XXXX call to finally connect and the call was DISCONNECTED and the coach never called me back. I tried several times to contact him, and others that that were involved in this process. I have attached all the information I sent to Discover when I filed my dispute with them. I sent several e-mails to people in the company to find out what was going on and if I could not get this service I would like to cancel and get my money back. I never received and return call or e-mail from anyone all the way till XX/XX/2017. Well on XX/XX/2017 this company was shut down by the FTC. So now there is no way for me to ever get these services since the company was shut down for FRAUD. I contacted Discover when this first happened and they gave me Temporary Credit while they reviewed my disbute, but they also took back the credit stating it was a VALID CHARGE. How could this possibly be valid when I did not receive my services as you can see very clearly in my information.
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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXXXXXX Balance Owed : {$160.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$310.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because credit karma sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

.Ive submitted police reports and ftc reports of this said fraud. This reported information is in violation of my federally protected consumer rights under 15usc 1692g and 15usc 1681b2 and not in compliance with metro 2 standards. This serves as official notice of intent to file suit where my legal staff will seek full compensation for punitive damages per fcra policy you have 30 calender days as of this notice to correct said inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XX/XX/2022 XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/XXXX I do not recognize these hard inquires from my credit report. I am a victim of Identify theft.
Product: Money transfer, virtual currency, or money service

Fake PayPal notice about an unauthorized charge
Product: Debt collection

I am not even 30 days past due and have receive over 25 calls in the past week of XXXX. This is not including multiple voice messages, texts, and emails. Ive received XXXX calls in the past XXXX hours alone. 

I advised I would update my card the upcoming week and to please cease all harassing communication. 

They kept contacting me at first saying that I gave them permission to contact me I advised that I did not give them permission to harass me. There is a difference. 

After multiple texts back-and-forth, they finally agreed to cease and desist. 

After telling them, I was going to update my card with them. I received this response Ok, so you dont want to take responsability of this? 
I am going to take your answer as a negative of payment That was not what I said at all. But I advise them that no further responses for me would be made as I am reporting it to the CFPB. 

I am also getting emails saying that my account is one month past due when its not I am documenting these practices, in case they inaccurately report late payments to the credit bureau I have attached photos of all the missed calls from their company in the past week
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In XXXX i had an unexpected medical problem, i became unemployed and I tried to deal with all my creditors then, while some stayed by my side, others did not. Finally in XXXX I went back to work full time and decided it was time to pay back my creditors. I went with Freedom Debt Relief since they offered a solution, however, I learned through small claims court that since these creditors were old, I could negotiate myself with them. Freedom Debt relief never told me that, also they have charged me. I have negotiated 4 accounts that have been paid. I told Freedom I wanted my money back and they refused. 

I deposited {$8700.00} dollars to date, I've been in their program since XXXX and they can only account for {$3700.00}. Freedom has had a ruling just last year. This company should not be allowed to do business after they have had a ruling against them. I am out more than half I have deposited with not a one creditor paid. HELP. 

Also the company told me that if i tried to get out of their program it would cause serious consequences, which sounds like a threat to me!
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX consumer stated that mortgage with XXXX XXXX XXXX mortgage was transferred and is still reporting open my consumer report there is also a delinquent status being reported to which XXXX XXXX no longer has servicing rights not has any right to report on my credit report this loan was transferred/sold to another services therefore this account should be reporting as closed on XX/XX/XXXX wells fargo responded stating. We incorrectly reported the account as delinquent in XX/XX/XXXX. We have sent an update to the reporting agencies to show the account was service transferred with a {$0.00} balance for the XX/XX/XXXX reporting. The servicing of the account was transferred to XXXX XXXX on XX/XX/XXXX. I'm glad we spoke about your concerns. I appreciate the opportunity to help you, and I've attached a copy of our response letter. 

as of XX/XX/XXXX original concern of incorrect information has not been updated but re-reported as 30 days past due/delinquent when on XX/XX/XXXX wells fargo stated that they would remove and fix current information. upon further investigation wells fargo has also reported further inaccurate and incomplete information
Product: Debt collection

The agency had contacted me regarding a debt that I dont not believe is valid .despite my attempts to request validation of the debt the have continued their collection efforts including harassments and threats taken by the XXXX I also request that they cease all collection activities until proper validation of the debt had been provided
Product: Credit reporting, credit repair services, or other personal consumer reports

My Discover card was closed without notice and this will have an effect on my credit score. In fact, when I paid off my XXXX XXXX, my credit score went down XXXX points?????????? 

I called Discover to find out why they did this without notifying me and they claim they sent an email back in XXXX and a letter I never got in the middle of a pandemic. 

I spoke with Discover XXXX XXXX on XX/XX/2021. Requested a copy of the letter. This is what banks do with consumers. I had not used the Discover card, as it had a very low limit and they were rude when I inquired about it about two years ago. My credit score is currently XXXX. It was XXXX. It went down to XXXX after car was paid off. So its not your good pay that counts. Its the banks abusive behavior towards middle class honest consumers. 

Whats worse is knowing that this agency the CFPB is in the banks pockets. Just wished to make a record. What a waste of time and money we might as well all go live in XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 & XX/XX/22 I had disputed with each of the three credit bureaus about the two inaccurate accounts on my credit report. XXXX. XXXX XXXX Number : XXXX XXXXXXXX XXXX XXXXAccount Number XXXX XXXX XXXX As a result they sent me back a letter stating they were unable to locate the file, yet they are still reporting the inaccurate/negative account information. I have asked for them to provide me with signatures from the original creditors to prove I have ownership of these two accounts that they are reporting on my credit reports and they have failed to do so. I have also asked them what their method of verification was if they even conducted an investigation and they have failed to provide me with such information. I believe the letters are stall tactics so they can keep reporting negative information about me. I have already been denied housing because of these negative remarks on my credit report. Its not only injurious to my score but its preventing me from doing things such as getting a place to live. As a result id like these two accounts deleted because they have yet to do their job in providing me the information I'm privy to based of the Fair Credit reporting Act. I'm asking your company to make them abide bay the govern laws set in place to protect me the consumer from and business practices such as this.
Product: Money transfer, virtual currency, or money service

On the date of XX/XX/2020, I was charged {$120.00} by transferwise for a " cash advance ''. Transferwise never disclosed that I was being billed for a " cash advance ''. I never received the services from the merchant that was sent the {$120.00} payment, so I can not dispute this charge with my credit card company because I was never told this charge would be treated as a " cash advance ''. I attempted to call Transferwise customer service to explain the issue and they stated that they could not help me since their company does not support disputes.
Product: Credit card

-I have reached out to the company and credit bureaus more than 10 times -filed complaints with all credit bureaus -filed complaint and dispute with FTC -filed complaint with CFPB -sent disputed certified mail, more than once, spend money on mail CITI is sending the information to a address in XXXX Ca and was not able to verify me because it's not my account someone is using my info but different address and number
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$0.00} and XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received confirmation that money order ( {$800.00} ) was received on XX/XX/XXXX. 

Received notice from the XXXX XXXX of XXXX XXXX that the civil action against me was dismissed on XXXX. 

The credit report still shows the account opened as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Upon reaching out to this consumer once I seen it reported on my credit and asked for purchase history and provide validation of debt due to fraud instead of agreeing they kept demanding payment. Instead of providing proof the debt belong to me and provide validation of debt. Instead of throughly investigating the validity of this debt they completely violated multiple consumer laws and ignored the fact that such said account does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Merchants and Professionals is reporting an inaccurate late on my credit report.
Product: Payday loan

I never took out a loan with XXXX XXXX. This is not mine
Product: Mortgage

Our home was flooded in the XXXX flooding of Louisiana. The insurance company issued us an advance of {$10000.00}. The final check was issued to us as well as Chase, our mortgage company, for {$76000.00}. Upon depositing the check to Chase 's restricted escrow account on XXXX/XXXX/16, they released {$10000.00} to us. We submitted our adjustor 's estimate, as well as proof of loss docs and a signed letter of intent to repair. We requested an inspection from Chase. Their inspectors report has us at 62 % completion. Chase then told us they would only release an additional {$10000.00} because we did not submit a contractors license, estimate and lien waiver despite the fact that we are not using a contractor. They insist we have one even though the remaining repairs do not require a licensed contractor. They did, however, suggest that if we get to 90 % or greater on our own, then they could release all funds to us. Also, they supposedly mailed that {$10000.00} check on XXXX/XXXX/16. We have yet to receive it on XXXX/XXXX/16. That 's after they claim our signed direct deposit form to our chase checking account could not be accepted even though they 've deposited the other draw into it previously.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I filed an identity theft report with the FTC because I am a victim of identity theft. my information is in the wrong hands and my information was compromised by the Equifax data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1600.00} ), XXXXXXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$3900.00} ), XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$460.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1700.00} ), XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
Product: Checking or savings account

Someone asked me to deposit a check for {$990.00} and took {$990.00} from my balance. My bank processed the fake check and it was processed, but I still lost {$990.00} from my balance. i have been scam.
Product: Vehicle loan or lease

About XX/XX/2022 all of my credit monitoring apps went off to inform me of my credit score dropping over XXXX points because of consumer portfolio. Money payment was made and they still reported me being over 30 days late. I called the company later that day and they said sorry. Nothing that the was going to.do to fox their mistake. I just got my credit score higher. Now they ruined it. I want that later payment removed and my credit score fixed.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I was a customer of XXXX between XXXX and rented a modem. I used the box and a shipping label XXXX provided to send the modem back after we canceled our service. They claimed they did not receive it and said I owed them {$100.00} for the modem. Since I sent it back to them using their shipping label I do not feel like I should owe them the funds. I still have the remainder of the shipping label sheet and have attached it to this complaint. They sent the debt to collections and I have been getting calls and letters from collectors since XXXX. Originally the false debt was sent to XXXX, now it is with XXXX ( XXXX ). I informed XXXX of the false claims by XXXX and have now informed XXXX. XXXX has also now added a collection to my credit report. I have filed disputes with each credit bureau. The equipment was sent back to XXXX using their own shipping label and I should not be negatively impacted due to their inability to track their own equipment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Has been reporting a charge off on my report without every sending me any information. I have reached out to all three credit bureaus with several dispute letters and have yet to get the inaccurate account remove. I have contacted the bureaus asking them to explain to me how did they go about verifying this account, as well as contacting XXXX XXXX several time asking to be sent the documentation with my original signature on it, or anything verifying that the accounts is mine. Both the creditor and bureaus have denied me my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, Equifax and XXXX about the personal infomation pertaining to my name and my address. Due to the incorrect info on my report it is causing me to lose out on career opportunities as well as housing myself and my family. My name is XXXX XXXX XXXX, I go by no other name. My address is XXXX XXXX XXXXXXXX XXXX  XXXX. Past address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX there should be no other addresses listed for me. Equifax has a least 10 wrong address listed. Under the 15 U.S.C 1681 section 602A. 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 an account without my written instructions. 

There are collection account on all three that are not mines. Please Update and remove them from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ARE THE FRAUDULENT HARD INQUIRIES ON MY REPORTS ; XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX  Account : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 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: Credit reporting, credit repair services, or other personal consumer reports

Usage of old addresses, telephone numbers and employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report to see that XXXX XXXX XXXX XXXX  is still trying to collect an alleged debt. I have reported this is Equifax over 30 days now. This account is violating my privacy, defaming my character, ruining my family, and hurting my score.