23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I had XXXX accounts with XXXX XXXX and XXXX of them was a paid in full charge off that happened back in XX/XX/XXXX. Today, I have a perfect credit but still have this charge-off showing so I did what any person would do and disputed the charges. Today, I logged in to check my credit before traveling to XXXX tomorrow to find a place just to see that of course the item was not deleted as it should had been be re-aged to having derogatory marks that supposedly happened in XX/XX/XXXX. After almost having a XXXX XXXX, I tried to call them but they do n't have a number for you to speak to someone unless you purchase a credit report. This is a joke right? The account # is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I call Experian, XXXX and XXXX sent certified mail from them to remove unauthorized inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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 The following inquiries are unauthorized : On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX A add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020, XXXX XXXX add a hard inquiry on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, the company that services my 2 student loans has been reporting on my Equifax report for over a year that I have 4 student loan accounts. I have disputed them with the credit bureau twice and they have verified it as correct. I contacted XXXX once and they did nothing. This time they added another account. Now my credit report shows 6 accounts. In addition I provided them a copy of a letter from The Department of Education stating that my student loans have been forgiven as of XXXX23. They are still reporting and trying to collect a balance from an account that was forgiven due to XXXX.
Product: Payday loan, title loan, or personal loan

Recently, I, XXXX XXXX, was denied an extension of credit by EnerBankUSA. On XX/XX/2021, I applied for a home improvement loan. 
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). EnerBankUSA has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002
Product: Payday loan, title loan, personal loan, or advance loan

Hello, I took a loan from EasyPay to purchase myself a puppy from XXXX XXXXXXXX XXXX I got a loan of {$2600.00} and I had to pay an amount of {$210.00} every two weeks. It wasnt until a few months later that I checked my balance to see that my balance had went back up. I called the company and an agent told me that because I missed their XXXX promotion, my balance had went up with interest. I would not be able to pay off {$3000.00} in 90 days which is why I took the loan in the first place. 

Now Im paying my balance on time, Ive never missed a payment but my balance is barely going down because of the huge interest rate of 179.00 %! I called the company again on XX/XX/year> because I wanted to pay off my balance in full on XX/XX/year> but XXXX declined my payment because it was suspected fraud. I approved the payment and re-submitted but my payment wasnt processed by EasyPay. I noticed that in my transactions, it is indeed on their site so I called EasyPay to see what was going on and the agent told me that they havent received a payment from me and that I have an interest rate of {$6.00} everyday! I am afraid of paying off my remaining balance of {$1500.00} and Ill be charged twice because it doesnt make sense for me to see my payment from my side but not on theirs. It seems strange. I read multiple reviews on XXXX and many people are experiencing the same thing as I am about taking out a loan from EasyPay and being stuck paying off a huge interest rate. At the time I thought it was going to be an easy, harmless payment plan but now Im going nowhere. It says I have a total of 13 payments remaining but that hasnt changed in months.
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  XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 card or prepaid card

While we were vacationing in XXXX XXXX in XX/XX/2022, our rental car was damaged as the result of an attempted break-in. We filed a claim for XXXX with Chase credit card services on XX/XX/XXXX when we returned to the XXXX Chase says they will cover damages if we use their card to pay for the rental car, and waive the rental car agency 's coverage. We did this. Travel insurance is one of the benefits we pay for with this card. After months of emails asking for documentation we previously submitted and countless attempts to contact Chase by phone, I was finally able to get through to a representative on the phone on XX/XX/XXXX. The representative, XXXX, said that she saw that all the documentation had been filed, and agreed that we had a valid claim, but said she was required to pass on the claim to her supervisor. She said she would call me back within ten business days with a response. On XX/XX/XXXX, after 10 business days, I followed up and got no response. It's been over 20 business days since that initial call, and I still haven't gotten a response.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXXmobiloans.comXXXXXXXX this company is charging extra fees to people a month taking advantage and creating extremely difficult situation financial to survive and repay the loan. they are taking advantage of people. i got a XXXX credit line where are charging me XXXX XXXX XXXX just in fees for a XXXX line of credit. this extremely bad taking advantage to people.
Product: Mortgage

I have a mortgage account with Nationstar/Mr. Cooper. Nearly 7 years ago, I filed for bankruptcy and apparently my lawyer apparently did not send my reaffirmation papers. At the time, my mortgage was with XXXX XXXX. That bank was bought by XXXX XXXX XXXX, which was then bought by XXXX. XXXX then sold my loan to Nationstar/Mr. Cooper. 

Both XXXX and XXXX XXXX were reporting my payments to the credit bureau. XXXX was not, nor was Mr. Cooper. I called and requested they report my payment activity to the bureaus and they refused without my submitting my request in writing. They wouldn't accept my verbal request. I am simply asking that Nationstar/Mr. Cooper report my payments to the bureaus. There is no rule stating that they can not report my payments. They are choosing to not report them, which is having a negative effect on my credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and that fraudulent accounts have been opened in my name without my consent. As a result, I am requesting that all of the following accounts be blocked and deleted from my credit file in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$260.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$380.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$160.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$140.00} XXXX  - XXXX - XX/XX/XXXX - {$140.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$240.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1000.00} XXXX - XXXX - XX/XX/XXXX - {$2000.00}
Product: Debt collection

Discovered a collection account # XXXX XXXX XXXX XXXX on my credit report. Mailed a certified validation letter to Resurgent Capital Services/ LVNV funding dated XXXX XXXX, 2015 and signed for on XXXX XXXX. Received a letter dated XXXX XXXX that an investigation was initiated on my behalf. I have heard nothing else from them. The validation of this account was not completed within the 30 day period allowed by the FCRA.
Product: Credit reporting or other personal consumer reports

Last year on XX/XX/2022 a XXXX  XXXX account was opened fraudulently using my information. I contacted XXXX  XXXX and notified them that it was fraud. After multiple disputes with XXXX  XXXX and the three credit bureaus every investigation they did apparently verified the information as correct. Of course the information is going to match mine because someone used it to open and use that account fraudulently! The charges happened in a nearby city that I wasnt even in at the time and the user was making minimum payments for about three months. I have no bank accounts that have been paying for it so someone else has. I have never had this card in my possession and I cant even access the online account because they use a phone number for verification. Whoever it was obviously used their number so I do not have anyway of getting any information about the account. Because I refuse to pay for a fraudulent account it got sent to a debt collection agency. I moved out of state at the time however so the court date got dropped. Now the account is showing up on my report as a charge off today! I am not sure what other steps I can take to have this account removed from my credit report permanently. I am certain that XXXX  XXXX is only doing a lazy investigation that does not dig far enough to uncover the information that doesnt line up. I even filed a report with my local police department at the time as well as a report with the FTC. At this point I am at a loss for what I am expected to do.
Product: Checking or savings account

XXXX shut down the XXXX XXXX XXXX and has taken over the banking for the former customers of Simple. However, nearly all of the Simple customers, including myself, are unable to access our money because they failed to properly prepare for the transition and lied about the transition process. 

Several key XXXX activities by XXXX : Transition occurred XXXX night. XXXX knows that their customer service is closed over the weekend, but continued the buggy transition anyway. 

XXXX knew that this weekend is XXXX XXXX XXXX, yet they expect thousands of customes to spend their entire holiday on the phone for hours. 

XXXX hangs up on their customers. The ONLY way XXXX can resolve the problems is over the phone. However, I and many thousands of customers have called multiple times and were hung up on by XXXX XXXX XXXX. 

XXXX had several months to prepare for the transition. Simple gave us well advance notice of the transition and so did XXXX. XXXX assured Simple customers that the transition would be seemless and easy. However, it seems that XXXX lied and did not prepare at all. If I had not been mislead by XXXX, I would have transferred my money to a different Bank and closed my account beforehand. However, I LOVED Simple and how easy to use it was, that I stayed with them till the end. I and as every Simple customer was falsely led to believe that the transition would be easy. 

Also, XXXX sneakily automatically enrolled EVERY Simple Customer into receiving Paper Statements for a fee that can only be XXXX if one has access to their XXXX account and is then able to navigate a maze of account settings to disable the Paper Statements. However, it seems that XXXX knew that the transition would not be smooth, hence Simple Customers would not have accessto their accounts ; therefore, XXXX can charge us all fees because it is impossible for us to disable the Statements. This decision by XXXX seems quite intentional.
Product: Debt collection

I received a letter in the mail from a company called IC Systems, asking me if I would like to accept an offer settlement for a debt I do not owe or know anything about. This debt can not possibly be mine as it states the original creditor is XXXX. I currently have an account with XXXX  and have been a loyal customer for XXXX years. How can I have a collection account and have my service on at the same time? I have already submitted an ID theft/ Fraud report because someone has been attempting to obtain credit in my name. 
Under the XXXX XXXX Collections Practices XXXX a debt collector is to provide proof and validation that this debt even exists. You did not do that. Because it doesnt. I am demanding you provide a copy of the original contract signed by me and prove that is my real signature, a full accounting ledger of this debt, and proof that I even owe this debt. You will not be able to do that. 
15 USC 1692b and c states that a debt collector must cease all communications and collection efforts once notice is received. This is your notice. 
15 USC 1692g states a 30 day notice must be given to a consumer to dispute the validity of a debt. I never received a notice. You placed this on my credit report to be malicious and as a scare tactic. You are attempting to put me under duress and force me to pay this debt. 
I have filed a Fraud report with the Federal Trade Commission, if IC Systems had followed the law and taken the proper precautions before reporting this to the major credit bureaus, you would know that. Under 15 USC 1681 all fraudulent accounts reported by a consumer that furnishes a fraud report, are to be removed within four days. XXXX, XXXX and XXXX have been put on notice already. Because this so called company failed to complete their due diligence you are in violation of these rights protected by federal law. 
XXXX CFR XXXX gives the consumer the right to opt out under the Fair Credit Reporting Act, before any creditor places an item on their credit report. Each company is to give a 30 day notice to the consumer and offer this chance. IC Systems has also failed to do this. 
The Privacy Act of 1974 clearly states that written notice and consent must be given to all consumers before any private and personal information is to be shared from one agency to another agency. Once again IC Systems has failed to do this.

Under 18 USC 8, all debt is alleged debt. WE as consumer do not owe any debt and all debt are the obligations of US govt. 
IC Systems has shown Willful Non-Compliance and disregard to all federal laws. I am demanding that you remove all erroneous, fraudulent, fake tradelines from all credit bureaus within 4 days of receiving this notice and pay a penalty for this violation. 

XXXX and XXXX were quick to add this tradeline to my report without doing any research, yet take their time or ignore my Fraud reports sent to them. I will be pursuing legal action against these entities.
Product: Debt collection

I recognized that I have become delinquent in my HOA for {$420.00}. I called my HOA to pay in full and they instructed me to call XXXX as it was referred to legal. My HOA graciously provided a phone number to dial in which i have called multiple times during the appropriate business hours, sent emails and left voicemails. I simply can not get anyone to take my payment and i fear that due to this company failing to communicate with me, a lien will be placed on my home.
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 Balance {$2400.00} XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$1100.00}
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against [ XXXX XXXX XXXX XXXX for unfair and deceptive practices that have negatively impacted my financial situation. I believe these actions are in violation of the Consumer Financial Protection Act ( CFPA ) and request your intervention.

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX  Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX  Incorrect Name : - XXXX XXXX XXXX XXXX below are the Accounts that are being challenged OXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXX XXXX  Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXXXXXX Thank you for your attention to this matter. I trust that CFPB will thoroughly investigate my complaint and take appropriate action against XXXX, XXXX, and Equifax. 

Please inform me of any further information/documentation required to support my complaint.
Product: Debt collection

XXXX XXXX calls himself the CEO of the Huntington group. When I questioned the bill or needed XXXX minutes to verify with my bank that I may have already paid this debt, he became irate and wanted my credit card information right now or he was taking us to court. He hung up on me XXXX and was very very unprofessional. All he wanted was my credit card information or he was hanging up. we had a similar debt around the time he did state but I paid that off so he wanted me to send me all that information. I refused because I needed to verify his company further before I started handing out my credit card information. He seemed very out of control and manic before he hung up on me for the XXXX time.
Product: Debt collection

This third party debt collector is the second collector trying to collect a debt not owed and refused to validate the debt is owed by me. I have sent a affidavit notarized and certified mail disputing the debt requesting they provide the contract that binds me to pay a debt, requesting the verification that I a living breathing man signed a contract with my wet ink signature. They have yet to respond and the debt is still on my credit report which they are now not acting in good faith. I have attached the affidavit i sent them. My medical information is private and this attempt is a violation of HIPPA laws
Product: Checking or savings account

On Saturday  XXXX   XXXX    XXXX   I received a check for {$2500.00} from  XXXX  of the largest  XXXX  financial services companies in the United States. I took it to my local branch of Bank of America and asked the teller if there was a way that I could access {$700.00} dollars from the check that day. The Bank  Manager ca me out and said that I could take the check to   XXXX   XXXX   XXXX   and cash it and bring the cash back and I would have access to the full {$2500.00} that day. I went to a nearby   XXXX   XXXX    XXXX   showed identification. They said that there was a hold on the check and needed to call the   XXXX    company. After about  40  minutes I spoke to an assistant in the Bank and asked what was happening. The  manager of   XXXX   XXXX   came out and said that they could not c ash the check and I needed to call the   XXXX   account to receive the funds sooner than  XXXX   XXXX  but that the check would be cleared on  XXXX   XXXX . I went back to Bank of America and the  manager s aid that they would need to call the Financial services company to clear the check on Monday  XXXX   XXXX . I noticed on  XXXX   XXXX  that the check had not yet cleared so I reviewed my account online. There was a note on the transaction. "  Deposit Hol d {$2200.00}  Total Amount d elayed available  XXXX  at  XXXX  PT. '' I called the financial services company. They said that they had not placed any special hold on the check. The help person there said he had never in his career heard of a bank putting a  2 w eek hold on  XXXX  of their checks and he suggested doing a  XXXX  way conference call with them.They said that the hold was placed by Bank of America. I called the Bank of America help line and was told that the  2  week hold was placed on the check by Bank of America as punishment because my Account had been overdrawn by about {$250.00} when I deposited the check. Bank of America has been for several months been holding my funds for more than a week when I receive payments through my online web site I believe in order to create bank charges which have amounted to hundreds of dollars.
Product: Credit reporting or other personal consumer reports

I filed bankruptcy on XX/XX/year> and it was discharged. TransUnion is reporting it as dismissed. I have provided the court docket for them. I filed the dispute twice with them and my credit report is still showing dismissed bankruptcy.