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

On XXXX18, Equifax File number XXXX investigation was completed and informed me that the account has been verified belonging to me. The account in question is XXXX XXXX Credit Card. This information is inaccurate due to the fact XXXX XXXX no longer owns this account, and the account is currently owned by a collector by the name of XXXX XXXX. In addition, The account originated from XXXX XXXX, which has was previously removed from Equifax which makes it impossible for 100 % accurate verification to have been performed. Equifax has failed to provide reasonable determination and 100 % verification regarding this account.
Product: Checking or savings account

during XX/XX/2022 im i had left my wallet at XXXX XXXX and i had a chg done from s purchase bank oc a has police report i bktice next day on mg app a large purcgase was done ssme day at tgd same stors i hsd notify bznk and odered a nes card but issue was never resolved after many call i givr up i no linger bsnk witb them ad they failed to protect my acct a few times and i feel they dont pritect me the consumer
Product: Credit reporting, credit repair services, 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 : US DEPT ED Account Number:XXXX  Account name : U S DEPT OF ED/XXXX Account Number:XXXXXXXX Account name : XXXX  Account Number:XXXX Account name : XXXX XXXX Account Number:XXXX Account name : XXXX XXXX Account NumberXXXX has violated my rights. Or 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.
Product: Payday loan

I have received a line of credit of {$1500.00} from cashnet USA. They was charging interest on my account everyday until it got up til {$1900.00}. My first payment of almost {$200.00} did n't go towards non of the loan. My next payment of {$280.00}, they charge {$160.00} in interest the rest towards my principles. They take {$290.00} out of my account every XXXX weeks. So they are charging extra interest towards this loan. My balance as of today is {$1700.00}. If I make the payments accordingly to how they are taking the money out of my account, I will pay them over {$3000.00} for a {$1500.00} advance credit loan.
Product: Mortgage

During COVID ( job loss ) received a forebearance but made payments ( not full amount but whatever I could ) loan amt $ XXXX is interest only adjustable rate. Found out that Servicer automated payment system should not have allowed meto make the random payments but did and all funds were put in an escrow bucket.On XX/XX/ 2022 recd letter stating there was a deficient balance of {$27000.00}. XXXX XXXX, 2022, escrow analysis showing refund due of {$18000.00}. On XXXX XXXX, 2022 I recieived repayment agreement increasing my monthly interest only payments from {$11000.00} to {$2300.00}. XXXX XXXX, 2022, sent a reply requesting a repayment more agreeable to my financial situation as this amount will create a deeper financial hardship. Denied. Was unable to make 2 of these payments ( XXXX and XX/XX/2022 ). Late XX/XX/2022 involved in HIT and Run was hospitalized left me unable to function could not work. Not at my current postion a year denied FMLA. Contacted lender to request help with my payment agreement due to my injuries, advised that the agreement must go into default and then I can request another one but no guarantee and if I do default then COVID protection of foreclosingwill no longer be active.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Date : XX/XX/year> To : LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear LexisNexis Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to request the immediate removal of credit accounts associated with XXXX account # : XXXX from my credit report. These accounts contain inaccurate information that is in direct violation of 15 USC 1681. Furthermore, I never provided written consent for XXXX to report my information, as required by 15 USC Code 602 ( a ). 

I kindly request your prompt intervention to ensure the swift removal of these erroneous accounts from my credit report. Your attention to this matter is greatly appreciated. 



Sincerely, XXXX XXXX
Product: Debt collection

I keep getting calls demanding I pay {$43.00} for a book they claim I recieved from 'XXXX ' over 7 years ago. I do NOT have this book. I told them this more than once. They say I need proof I dont have the book. They call ALL the time. They are rude. I asked them to send me proof I owe this debt. They did n't. I do NOT have any books from XXXX. I think they are trying to scam me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has inquires listed on my report and I never applied for credit. I have tried in good faith on numerous occasions to mitigate this issue which has irreplaceable damage to report and job opportunities. 

Below are the inquires on Transunion that I did not apply for and need to be removed immediately please : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received multiple calls from XXXX XXXX XXXX upwards of 7 times a week. 

on XX/XX/year> i informed them to not call me further for the harassment. 

XX/XX/year> they called again, after my verbal cease and desist from XXXX sunday, XX/XX/year> from XXXX and today, XX/XX/year> from XXXX where i again told them to not call me and the manager had stated that they do not have a do not call list.
Product: Checking or savings account

Hello XX/XX/XXXX I went to log into my chime account, an i got a notice YIKES my bank account has been suspended XX/XX/XXXX After finding out about my account being suspended i contacted Chime fast an i was told to email them documents i did that that i get a automated email stating thank you for reaching some one will get back with you as soon as possible. 
XX/XX/XXXX I sent more emails I called plenty of times whole a lot of times an was told the same thing i have to wait until support team get in touch with me. 
XX/XX/XXXX I'm XXXX at this point cause my paycheck just went into my account that morning i called an asked if their was a direct deposit an a chime member said Yes but being tho my bank account is suspended your dd went back to your employer please allow 1-3 business days for your employer to get, so now my rent is due an my utilities are due pass due i have no food an i have no gas money i have to switch banks on top of that my Stimulus check was suppose to get deposit into this account as well i just want to know where are direct deposits an how long is it gon na take for me to get my money? I don't want the bank account after that i don't want to deal with chime no longer dealing with chime will have your life a mess a reck an then some I will never in my life deal with chime again.
Product: Credit reporting, credit repair services, or other personal consumer reports

List of things I see wrong on my CR from Transunion name is not XXXX XXXX XXXX not employed at XXXX XXXX as a XXXX XXXX XXXX XXXX ( not an existing job title ) XXXX XXXX XXXX ( XXXX ) automotive showing Maximum Delinquency of 30 days in XX/XX/2013, according to information under public records ( chapter bankruptcy discharged ) date filed is XX/XX/2013 * Called XXXX County Bankruptcy division to ask has my personal information been reviewed for others to see they said they do not provide that information to anyone also why XXXX is view on my report ( Transunion ) and the other creditors are not list for viewing, this was placed under my bankruptcy and is showing 2 type of accounts, the.
Product: Vehicle loan or lease

On XX/XX/XXXX, I spoke with a representative to inform them that I had recently started a new position after being unemployed for over XXXX months due to a XXXX. I explained that I would be able to resume payments and work toward bringing my account current. The loss of my vehicle at this time would significantly impact my ability to get to work and continue improving my financial situation. 

On or around XX/XX/XXXX, I spoke with a representative again, reiterating that I had just started my new job and would be able to catch up on payments as I began receiving regular paychecks. However, no assistance or options were offered to help facilitate this process. 

On XX/XX/year>, I called and was informed that if my account was not brought current, my vehicle would be repossessed on Monday, XX/XX/XXXX. I offered to make a partial payment and proposed a plan to make larger payments once my income stabilized. However, the representative insisted that I seek financial assistance from someone else and again provided no alternative solutions to prevent repossession. 

I was also informed that, due to the recent purchase of the vehicle, I am ineligible for a payment extension. At the time of purchase, I could not have anticipated being laid off. Customer service representatives have stated that the repossession process is system-generated, offering no flexibility or accommodations for my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance : {$17000.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$650.00} XXXX ( Original Creditor : XXXX NC ) XXXXBalance : {$260.00} XXXXXXXX XXXX  XXXX Balance : {$0.00}
Product: Debt collection

XXXXXXXX XXXX and XXXX XXXX was paid upon a agreement from XXXX XXXX and from attorney XXXX XXXX
Product: Debt collection

I had two fraudulent credit card accounts opened at an XXXXXXXX XXXX XXXX XXXX on the same day. I called XXXX and was directed to XXXX XXXX XXXX since they do the credit cards. I spoke to an fraud specialist there and was informed two accounts had been opened the same day. one account was closed due to fraud but the second wasnt and the bill was turned over to a third party called XXXX XXXX XXXXXXXX who gave the account to XXXX XXXX XXXX Comenity fraud dept representative told me that they were attempting to buy back the account due to fraud investigation and that the other account was closed as a result of fraud. I was told to contact XXXX XXXX XXXX but they would send me information on XXXX Capitals side in XXXX days which I never got. I called XXXX XXXX XXXX who transferred me to XXXX stating they dont manage the account but that XXXX does. I reported the fraud account being opened and disputed the account to both XXXX XXXX and XXXX. I also reported to them that there was another account from XXXX that had been opened on the same day as the debt account they had, that was marked as a result of fraud and closed. I was told my account would be deleted in XXXX days. 2 days later I got an email from XXXX stating that they verified the debt and provided bills from the account and denied it being Fraudulent and wouldnt remove it and asked for me to setup a payment plan. I provided them with my FTC identity theft report and the discussion I had with the fraud department at Comenity and nothing. The debt is still showing on my credit report and I have gotten zero documents from XXXX, XXXX XXXX XXXX or XXXX not has the account fraud been verified with all XXXX credit bureaus. Now my information has also been part of a data leak and my information is on the dark web and no one wants to help. I have had attempts at my email, fraudulent charges on my debit card which I had to close and false inquiries and information on my credit report. Please help
Product: Debt collection

In XX/XX/XXXX i filed for Chapter XXXX Bankruptcy, 4 years later i still was struggling and became homeless with XXXX children, it was at that time I converted my Chapter XXXX into a Chapter XXXX Banruptcy in XX/XX/XXXX which was granted i also received special hardship cosiderations which aloowed me discharge 2 small student loans for for {$870.00} and the other for {$1100.00} through bankruptcy which I promptly provided to the dept of education as well as the XXXX credit agencies, XXXX, XXXX and XXXX which they all updated on my credit file included in banruptcy upon receiving to proper documentation. every couple of years i notice they would re-age the debt and take off that it was including in bankruptcy which has constantly kept me resubmitting the same bankruptcy paperwork to specifically Equifax as once again I have noticed as soon as the bankruptcy hit the 10 year mark those same 2 debts were relisted as active debts once again. I dont understand why Equifax keeps doing this even after i have continued to provide documentation to the to correct these errors..
Product: Credit card or prepaid card

I got a card from Citibank called Double Cash Card which offered me a promotion of 0 % APR for balance transfer for the first 15 months. I got the card and used it to pay my balance with the IRS and Maryland taxes. Then, the Citibank said that those specific transactions were not considered balance transfer and they charged me interests from the very first month. I checked their information about this card and they don't specify that paying taxes balances are not considered balance transfers.

This is not the first time I pay my taxes with credit cards that offer 0 % APR on balance transfer. One of those cards I have used in the past to pay my taxes was also another card from the Citibank. All of those cards have always considered taxes payments as a balance transfer I don't understand why the Citibank didn't do it this time.

As I said, I also checked the information the Citibank provides about this " Double Cash Card '' and they don't specify that paying taxes balances are not considered balance transfer.
Product: Mortgage

Hello, I am working on a short sale that has a sale date. I submitted the package to the 2nd lien on XXXX I called today and they told me they did n't receive anything. This short sale is time sensitive and we ca n't keep sending paperwork over and over that has been already submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX {$490.00}, Account # XXXX {$970.00} Account # XXXX {$1200.00}, Account # XXXX {$740.00}, Account # XXXX {$1400.00}, Account # XXXX  {$400.00}, Account # XXXX {$390.00}, Account # XXXX {$480.00}, Account # XXXX {$820.00}, Account # XXXX {$1400.00}, Account # XXXX {$740.00} Account # XXXX {$4000.00}, Has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A section 2 : it also stated a consumer reporting agency can not furnish a account without my written instructions.

15 Usc 1666B : A creditor may not treat a payment on a credit card account under a open consumer credit plan as late for any purpose, I demand each item be removed from my credit report immediately, I await your reply with the above requested proof, upon receiving it, I will correspond back with you by certified mail. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

Since XXXX of 2022, someone is registering my credit card to his XXXX wallet and spending my Chase rewards points. 

I talked to Chase, but they only give points back, not resolving the issue. 

So, the issue is still on-going. 

I talked to XXXX, but they said they can not figure out what is going on. 

Chase confirmed that my points is used by XXXX wallet. 

Even if I replace my credit card, it still happens.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please omit these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have put my report on freeze and fraud alert.. the company still keeps adding and allowing hard inquiries, that I did not authorize. I told them a thousand times I was victim of identity theft. Yet they keep passing my report around illegally. They refuse to properly investigate all my disputes, that should not be on my report. And they refuse to require all information in closed accounts, therefore reporting negative information illegally. I have disputed all accounts and said all detail information about accounts must be presented,. They refuse to delete accounts. I have been disputing the inquiries and negative accounts for years. Only to be ignored, they ignore my need for credit freeze and fraud alerts. I want to take highest action against this company, they only hurt people 's life 's and should be disappointed to the highest degree.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made multiple dispute with TransUnion and they still refuse to remove the inaccurate information on my credit report when I send them all the supporting documentation and they put that they verified the account when you clearly can see that the accounts are inaccurate, i ask how you guys verified the accounts and also can you send me the method of verification also they refuse to send me that as well. 
They are in valiation of my right fdcpa and I demand that the accounts be removed
Product: Money transfer, virtual currency, or money service

Come XX/XX/XXXX PayPal inc proposes to keep all seller fees for any return of payment. This includes but not limited to : return of sold item for fit, color, damage, wrong item, etc. This also includes payment reversals for buyer cancellations, improper addresses, buyers using wrong credit cards and demanding refunds, buyers not using coupons and demanding refunds so they can repurchase, stolen or hacked accounts, misuse. In other words any time I receive a payment on PayPal from a buyer and there is any kind of refund I will lose the .30 + 2.9-4.4 % PayPal fee. This is an absurd overreach that borders on theft.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I XXXX XXXX went to XXXX XXXX XXXX with a Bill Of Exchange and the finance Department XXXX said that they do accept Bill Of Exchange because it legal tender and Tender Of Payment. XXXX Provided me with they account and routing number for the wire transfer and said they bank with Wells Fargo as I do to. Upon entering Wells Fargo the Bank Teller Was Nice and did seek advice about the Bill Of Exchange cause she was unaware of the Bill Of Exchange. She later on stated the Legal Department Viewed my Bill OF Exchange and said Wells Fargo Do Not Offer Those Services. 12 U.S. Code state Different. Also state any member bank may accept drafts or bills of exchange drawn upon it having not more than three months ' sight to run, exclusive of days of grace, drawn under regulations to be prescribed by the Broad Of Governors of the Federal Reserve System. I Then Called Wells Fargo Corporate Office Headquarters and they stated The Treasury Management and Trades Service Department had the same findings that they do not have the function to process my Bill Of Exchange. I have Legal Court Documents that show if you are in the Banking Business A Bill Of Exchange is a Form Of Payment and is used to Discharge/ Set-Off Debt do to XXXX. Its the United State Obligation to Discharge all Debt Of America. The Law Never Change. A Bill OF Exchange is Basically A Federal Reserve Note and Banks Do Deal With Them Type Of Instruments. Bills Of Exchange, Promissory Notes, Etc. Never once told it was fraud cause its not knowing that I do have legal documents of judge saying a bill of exchange is a banking instrument and if your in the banking business its acceptable. I AM BEING DISCRIMINATED AGAINST. On My Bills Of Exchange you'll see it comes with a Full Letter Of Advice and They Was Supposed to Fund The Account Of XXXX So I Can Pick UP My Car But They Interfered with Commerce and that against the law felony under the XXXX Act. XXXX, PUBLIC LAW 73-10, REGULATION Z " TRUTH IN LENDING ACT '' ( REGULATIONS J ) ALL THIS IS INCLUDE ON MY BILL OF EXCHANGE TO MAKE IT LEGAL TENDER AND TENDER OF PAYMENT. WHY AM IT BEING HELD UP?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX  XXXX XXXX Open Date XX/XX/2005 Balance : {$25000.00}