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

A one-time settlement payment was made on XX/XX/2020. I placed a call to the company on XX/XX/2020, the representative confirmed that my account was settled and that the balance owed was {$0.00}. I filed a dispute with XXXX  on XXXX XXXX so that the information would be updated ASAP. XXXX  had found that all the current information of the debt being owed and account status as open was correct, even though I had confirmed with the collector that the account was settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputes with XXXX with no results, results in " 2 days '' so much for investigation..this has to do with an alleged account on my credit report ( XXXX XXXX XXXX ) re dating item, changing $ amount, today they reported me as late payment on credit report in last 60 days. Alleged debt is 3 years old, yet today slapped with a 60 day late ( Illegal to do ) I have no contractual agreement with these people NOR are they registered or licensed to practice in state of Wisconsin. MANY VIOLATIONS OF Fair Credit Reporting Act and Fair Debt Collections Practices. I DEMAND IMMEDIATE REMOVAL OF THIS FROM CREDIT ACCOUNT SINCE I HAVENT received letter of debt validation or payment history or letter of notice 3rd party this XXXX XXXX XXXX taking over supposed debt. 
What's the sense of disputing errors on credit report when you get the run around and games when you do report errors!?!?
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Back in XXXX I used to rent rooms in my home. I had XXXX roommates. I found out XXXX of them use my information and also his mother information to open up accounts and cell phones. Me and his mother both reported him I mailed both of the devices back to XXXX I spoke with someone in their executive department And they said they would credit the account for the bill. The devices was mailed back to them then sent the debt to Jefferson system LLC, which is a debt collector which uses fraudulent tactics to try to collect debt that was already resolved. They reported to the credit card company and credit karma Doesnt do a proper investigation. They allow companies like them to damage consumers credit by adding in the leading this debt throughout the years I have uploaded a few emails between me and the individual name, XXXX XXXX. That was the executive specialist at the time because I reported this back in XXXX when it first came on my credit report, I filed the complaint with a XXXX XXXX XXXX thats why the specialist from XXXX reached out to me to resolve the issue so Im not sure what happened between XXXX and Jefferson Capitol system but theyre creating false death and fraudulent documents. These are tactic they try to use and scam money out of people to keep their business afloat. Many consumers throughout the world have complained about this company and we cant see why. Legally, they are still operating in the state of Pennsylvania. A credit reporter only can be on there for four years after that the report to post to drop off knowing that XXXX allowed another individual to order phones and services Without proper confirmation so I am reaching out to the FTC for assistance because this company is doing this to XXXX  of consumers. If you go on the website and read the reviews and all the complaints between the consumer protection and with a XXXX XXXX XXXX They just added this debt to my credit report XX/XX/XXXX they knew income tax season was coming up and they added it that like it was a new debt like it was just opened so I need assistance with this issue because this company refused to work with any consumers the individuals that work for them. Hang up on you when youre asking for a copy of documents, they put you on hold and dont come back on. Theres a man and woman that goes back-and-forth answering the phone so I need assistance to resolve this issue starting in XXXX this is XXXX. And if theyre saying they never received the devices. Why didnt they never reach back out things get lost in the mail, but this whole situation is unreal. XXXX and Jefferson capital system is doing financial bad in their economy so this is their tactic for financial gain to stay afloat in the economy.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  Account Name XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Account Name : XXXX # XXXX XX/XX/XXXX Account Name : XXXX # XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I use an app called XXXX XXXX to monitor my credit score. I was notified by the app that Transunion is stating that I am XXXX. I am XXXX XXXX XXXX. I contacted Transunion by phone and the agent stated that my date of birth has been removed from my credit report. I did NOT request for my date of birth to be removed. I also have a copy of my credit report that I received from Transunion by mail on XX/XX/. The report was completed on XX/XX/2024 and it clearly has my date of birth on the report. The representative stated that since I had an open dispute that he could not re-add my date of birth back to my report until the dispute is completed and that I would need to call back once it had been completed and the issue would be corrected. Today, XX/XX/2024 I received confirmation that the dispute has been completed. I called Transunion and the representative is now telling me that I will need to send a photocopy of my driver 's license, birth certificate or social security card by mail to have my date of birth added back to my credit report. This can take up to 4-6 weeks. I am currently in the process of moving and this issue is preventing me from getting verified for my a new place to live. Transunion removed my date of birth without being asked to do so. This is tampering with personal information. I'm currently seeking legal counsel on this issue. I will also be submitting an official complaint to the FTC for this issue.
Product: Debt collection

I called XX/XX/2021 to speak to Chase Auto regarding inaccurate information being reported on my auto consumer account. Chase Auto inaccurately attempted to collect debts not owed where payment was not only received on time but also processed and collected from my banking institution prior to sending late payment notifications. I advised two extremely rude and unprofessional representatives ( XXXX XXXX & XXXX XXXX ) of the same who failed to provide sufficient validation that the error and inaccuracies would be rectified. On XX/XX/2021, I received notification from the credit reporting agencies that adverse action had been taken and reported on my credit report. After speaking with another rude and highly unprofessional agent ( XXXX XXXX ) the issue was still not satisfactorily resolved. This kind of treatment is abusive and is a violation of my rights, applicable laws, and contractual agreements. Immediate remedy is requested.
Product: Mortgage

Our mortgage was placed into forbearance without our permission or us asking. We did not ask for a change in our terms nor did we sign anything giving permission//MORTGAGE FRAUD- Help! They offered on XX/XX/XXXXthey offered to just pick up where we left, we NEVER got any such letter, I checked in with the AGs office thats how I learned same but it was too late at this point! The AGs office could not of cared less! I need help! Please! Im on XXXX  XXXX from side effects of XXXX and XXXX XXXX cant handle this XXXX!!! Please please help!
Product: Credit card

I ordered a cellphone from XXXX on XX/XX/year>, it was supposed to be delivered on XX/XX/XXXX and the item never arrived. On XX/XX/year>. I was informed by XXXX that the item was shipped to an undeliverable address. Not mine. So I contacted XXXX and requested that they contact XXXX and fix the issue and they refused. So the item never arrived to me and was returned to XXXX. I filed a dispute with Capital One and they opened an investigation and closed it because XXXX disputed it. Capital One asked for more info if I wished to re-open it and so I provided XXXX correspondences from XXXX reflecting what they said and confirming that they received the device and were willing to issue a refund but couldn't because of the charge back that Capital One did. Now I am being asked by Capital One to be responsible for a {$1100.00} and {$20.00} for the theft and loss protection. XXXX is also refusing to help in coordinating with Capital One to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX SS XXXX I am not an attorney nor am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I have a few issues with my credit report not being accurate. I was recently turned down for a mortgage based on information on my credit file that is dubious at best. The first issue is several unknown addresses that I never lived at. Please delete the following addresses:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
There are several unknown phone numbers, please deletethe following numbers they are not accurate : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I borrowed {$500.00} and I paid it back. I thought that was the end of it until months later I started getting harassed that I never paid off my loan to them. Of course I was still receiving letters in the mail asking me to come back and borrow again but I never did. I try never to use these companies because of the ways that they try to trick you into borrowing money you dont need, but I had an emergency come up and I live on a very low income. 
Now, I just received a email stating I owe them over {$4000.00}, dollars! For what? This is getting ridiculous and I have been on the phone with these people asking them to stop harassing me and they wont. I might go XXXX months without hearing from them and then out of the blue they send another email or letter. They wont even tell me when I borrowed that amount and what I put down it was for. Its because I didnt borrow anymore money from them ever again. 
Can you please help me get these people to stop harassing me? 
Thank you for your help. 
XXXX XXXX XX/XX/2023
Product: Debt collection

Pay pal credit says I owe them money and turned it over to a collector. I do not have a pay pal credit card nor did I ever sign up for XXXX. The debt collector they hired has been calling me and my wife every day for the past 8 months. Tired of the phone ringing! I talked to them XXXX time before and told them to stop calling me.
Product: Credit reporting or other personal consumer reports

The account from XXXX XXXX XXXX, Account # XXXX in the amount of {$1700.00} is the result of identity theft. Ive never lost a lawsuit, signed an agreement, signed a contract, or received any goods, services, or money from this company. This account does not belong to me. Under the FCRA section 605B [ 15 U.S.C. 1681c-2 ] a consumer reporting agency shall block the reporting of 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. I contacted EQUIFAX by mail with all required documents such as Proof of identity, Proof of Adress, A police report, an FTC report, and a copy of section 605b, on 3/4/2024 ensuring that they will remove this fraudulent account. EQUIFAX failed to remove this fraudulent account and did not provide verifiable evidence to prove otherwise. Therefore, EQUIFAX failed to comply with the relevant consumer protection laws, therefore if this fraudulent account isn't removed, I have to assert my rights and seek to take further actions in a lawsuit. Equifax unlawful act has caused tremendous harm to my livelihood. Attached to this complaint is a copy of my drivers license, a police report, an FTC report, and a copy of section 605B [ 15 U.S.C. 1681c-2 ].
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint again Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate., without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S. Code 5536 ( a ) ( 1 ) ( A ) -- ( B ), as highlighted in the CFPB 's recent administrative proceedings ( File No. 2055-CFPB-0002 ) against them for similar violations. I request the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction XXXX, XXXX, and Equifax has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition XXXX, XXXX, and Equifax has committed identity theft. This is a violation of 15 U.S. Code 1681b ( a ) ( 2 ) and information associated with 1. The inquiry was not authorized by me. 
XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized by me XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized by me. 
XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized by me XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report. 
5. The inquiry was not authorized by me XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report. 
6. The inquiry was not authorized by me XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report. 
7. The inquiry was not authorized by me XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report 8. The inquiry was not authorized by me XXXX XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove from my credit report. 
9. The inquiry was not authorized by me XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove from my credit report. 
10. The inquiry was not authorized by me ONEMAIN Date of inquiry : XX/XX/XXXX Please remove from my credit report. 
11. This account is not mine XXXX XXXX XXXX XXXX Account XXXX : XXXX Please remove from my credit report. 
12. This account is not mine XXXX OF XXXX XXXX Account Number : XXXX Please remove from my credit report. 
13. This account is not mine XXXX XXXX XXXX Account Number : XXXX  Please remove from my credit report 14. Never late on this account. 
XXXX XXXX XXXX XXXX It states that Ive been late XX/XX/XXXX and XX/XX/XXXX. 
15 U.S. CODE 1666B If the creditor fail to provide documentary evidence violates the requirements of 15 U.S.Code 1637 ( B ) ( 2 ) ( A ) and the creditor can not report late payments. 
Remove items from my credit report.
Product: Credit reporting

I 'm filing a complaint because the credit bureau is documenting that I have a Judgment with a company called XXXX. I verified with the Court and they told me that they do not report to credit bureaus they also verify that the items that is placed on my report was pulled from a third party not them at all therefore it must be deleted. And also once it is deleted I am requesting that proof be sent to me please send proof to my email address at XXXX
Product: Checking or savings account

I had a fraudulent charge on my account with Chime on XX/XX/2023 for {$250.00} from some company called XXXX XXXX XXXX. As soon as I noticed the charge I turned off transactions, contacted the company to demand a refund which they were reluctant to provide me information on the charge and were near impossible to even get ahold of. I then I reached out to chime about it and was informed that they showed the company had issued and refund and suggested I wait on the refund to go through. On XX/XX/2023 I reached back out to chime to get an update and they informed me that the company had refunded and then recharged the {$250.00} from my account twice, none of which showed up on my account transaction history. The debit card in question has been locked since the initial charge took place, so I asked chime customer support why they were able to redebit the card that had been locked and why none of this showed up in my transaction history, to which they just kept saying were sorry for the inconvenience and couldnt provide me the information of it being credited back to my account and then withdrawn again. I have moved forward with disputing the charge in an attempt to get my stolen money back from a company that from everything I can find doesnt exist and so far chime customer service has given me no answers beyond were sorry for the inconvenience, well investigate. I have been in contact with them from the moment I noticed the issue and they have done absolutely nothing to help me solve it beyond tell me just wait for the refund that they are now telling me isnt going by to come. I dont understand why this has been such a drawn out process when they could have blocked all access from that company to withdraw from the card that has been locked since the initial fraudulent transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX XXXX for months. XXXX and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by 5 p.m. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by 5 p.m. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.