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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the inquiries 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 inquiries listed on an id theft report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This company keeps trying to contact me via email stating I lived at their property which I have not nor never applied to live there. I have explained this numerous times
Product: Credit card

Equal Credit Opportunity Act ( ECOA ) 15 U.S.C. 1691 Ally Credit Card Services closed my account after filing a CFPB Complaint in XX/XX/year>. I filed the complaint in regards to issues when it came to filing a dispute for transactions a former partner had stolen the card. Ally refused to allow me to dispute multiple fraudulent charges. I submitted evidence showing Ally Credit Card was " keeping the change '' when it came to my transactions. I received a private document from Ally Credit Card services after speaking with several customer service representatives about this issue. The representatives sent the account to escalations after they stated I was being combative but in reality, Ally has been stealing from consumers for years. They never addressed the complaint issued 12 months ago. Ally is also reporting on this account and not collecting on it. XXXX XXXX XXXX now has this account in question. 
Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ) If incorrect information is reported to credit bureaus, the credit card company ( the furnisher ) must investigate and correct errors if you dispute them.

They can not refuse to accept a dispute if it concerns fraud, identity theft, or reporting errors. 

The account was opened by an ex partner, the phone number AND email address associated with this account is to him. Not me. Ally has never contacted my phone number in regards to this account. Ally has willfully negligently enabled Identity Fraud as well.
Product: Payday loan, title loan, or personal loan

On XX/XX/2023 I got a loan for XXXX at QC Financial services, Inc d/b/a LendNation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX XXXX I had a XXXX loan amount of XXXX that was added to the loan making it a total of XXXX on XX/XX/2023 I returned XXXX of the XXXX instead of refiguring the loan to the proper amount they held the XXXX in limbo until XX/XX/2023 then counted it as XXXX payment. I did not realize they did this until XX/XX/2023 when making my next payment I tryed to get them to correct it they would not so I payed off the loan on XX/XX/2023 my complaint is they charged me 326.99 % interest on XXXX for 30 days that I had given back to them
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the XXXX Credit Bureaus in an attempt to receive verification of the following items. 


XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information reported on my credit file regarding a collection account from Pro Collect LLC The account, listed under XXXX XXXX was closed in XXXX with the understanding that no further payments were necessary. 

During the XXXX pandemic, I was informed by the lender that this debt would be considered paid in full, and no additional action would be required on my part. Despite this resolution, the account is still being updated on my credit report as of XXXX, which is inaccurate and misleading. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter and remove or correct the inaccurate information. If the lender or collection agency can not verify the updates are accurate, I respectfully request the removal of this account from my credit report. 

Please notify me of the results of your investigation at your earliest convenience. Thank you for your time and assistance in resolving this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I had ID Theft. My SSN and personal info were compromised. I filled out an FTC report and the things that were ID theft were blocked from my consumer report. I received a letter from XXXX, XXXX, & XXXX about a {$5400.00} XXXX debt that I was unaware of and was not on my consumer report. Since I do not recall this {$5400.00} debt, I asked them to provide me proof that this was my debt. They responded by sending me the total owed. I wrote them back and asked again for the proper proof. THEN they start sending me documents from another account that is in no way associated with the original account. I responded again, and told them that this account was not the account on my credit report they were speaking about, and AGAIN they just sent me information from another account and asked me to pay for the {$5400.00} account. I believe them to be using illegal or at minimum unethical practices, mainly lying to me and trying to trick me, into giving them {$5400.00} on an account i have never heard of. We have had XXXX correspondences via USPS and they have yet to do anything but tarnish my consumer report with their false information. They are intentionally sending me documents over and over from another account because they do not have the info proving this is my debt and they are trying to lie and trick me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my 8th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX  XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/2023
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX DISCOVER BANK XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear DISCOVER BANK, I am writing to address your [ letter or phone call, as I contest the validity of the asserted debt. 

This marks the initiation of communication on this matter, and pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically under section 809 - Validating Debts, I insist on a comprehensive written response providing the following information : 1. A detailed breakdown of the alleged debt and its origin ; 2. A clear and transparent exposition of the calculations leading to the purported amount owed ; 3. Provision of all documentation demonstrating my agreement to the indebtedness ; 4. Identification of the original creditor in question ; 5. Verification or furnishment of any judgment pertaining to this matter ( if applicable ) ; 6. Presentation of evidence of your licensing in accordance with the laws of my state, along with relevant license numbers ( if applicable ). 

I am acutely aware of my rights under both the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. It is imperative that you understand : Any imposition of interest or fees is permissible only as stipulated in the original contract and state legislation. 
Your obligation to respond to this dispute is limited to declaring your intent to either cease collection efforts or pursue lawful avenues for debt recovery. 
Pursuing a judgment without adequately validating the debt will be contested in a legal forum, and non-compliance with FDCPA guidelines will be brought to the courts attention. 

I explicitly communicate my decision to record all telephonic conversations, preserve all correspondence, and promptly report any violations to the State Attorney General, the Federal Trade Commission, and the Better Business Bureau. 

Given that I have formally disputed this debt, any reporting to credit-reporting agencies must reflect its disputed status. Failure to adhere to this requirement violates the Fair Credit Reporting Act ( FCRA ) 1681s-2. 

In the event that you do not hold the rights to collect this debt, I demand immediate transmission of this dispute letter to the original creditor for their awareness. 

Concluding, pursuant to section 805 ( c ) - Ceasing Collections, of the Fair Debt Collection Act, I assert my right to be contacted solely via official mail. Any correspondence should be limited to notification of the termination of debt collection efforts or specific actions permitted by law. 

Your adherence to these directives is expected, and I anticipate your prompt and thorough response to this dispute. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX addressed to the Credit Reporting Agencies requesting to remove the Accounts and information that are UNKNOWN to me. I came across this law and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus are required to remove and block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. Under the FCRA section 605b, I need the following items removed from my Credit File as soon as possible : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. I can assure the Credit Bureaus that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. I understand that the Fair Credit Reporting Act requires the Credit Bureaus to conduct a reasonable investigation into any disputes, and I am confident that the Credit Bureaus will find that these accounts are fraudulent and should not be listed on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Dispute : of Account Information - XXXX XXXX  Dear TransUnion, I am writing to formally dispute the information related to my credit report, specifically concerning the account reference letter stating that XXXX XXXX loan is still paid in full. 

Please find enclosed copies of documents that support my claim, including all relevant documents, such as my loan payoff statements, I kindly request that you investigate this matter asap and update my credit report to reflect that this loan has been paid off. 

As I am currently in the process of applying for a mortgage loan, with XXXX XXXX.It is essential that my credit report accurately reflects my financial status. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your assistance. 

Sincerely, CFPB TRANSUNION IS IGNORING MY REQUEST ALL DOCUMENTS WILL BE UPLOADED
Product: Checking or savings account

Chime bank - Date of purchase was XX/XX/XXXX, the refund was supposed to post XX/XX/XXXX. Never received the funds. Chime is not helpful
Product: Credit reporting or other personal consumer reports

Upon review the files, it comes to the attention that there is an Error of FALSE information about a DISCOVER BANK Account # XXXX with the balance of {$5100.00} ( XX/XX/year> ). I have No acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges. I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature authorization and consent within XXXX business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information. Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent.
Product: Debt collection

Hi, I was mislead by a XXXX XXXX in my local area. They advertise on their website a XXXX monthly membership and I was never provided with a physical or digital contract. They have several complaints against them in the form of online reviews about their deceptive and unreasonable tactics that force people to stay in contracts against their will and their customer service refused to respond to me until I threatened to go to the XXXX. They refuse to cancel my membership though they falsely advertised a XXXX monthly plan and there was no contract provided to me stating this was an annual contract that also has hidden fees ( some customers paid XXXX in hidden fees, I was charged XXXX so the amount seems arbitrary ) .Many customers and myself believe these tactics may warrant further investigation into possible fraud. I have attached the contract they say I am allegedly obligated to, which was printed and populated with my information, but never signed or presented to me at the time of registration. They deliberately make it virtually impossible to cancel, requiring certified mail within exactly XXXX  months of initial registration- in which case they will charge for XXXX calendar months. If this is not sent in that exact time frame they sign you up for another XXXX months. The sentiment online with over XXXX XXXX XXXX is that this company is fradulent and intentionally coerces people into continuing payment to them long after no longer using their services. I lost my debit card in XXXX and sent an email to cancel my membership and got no response to customer service. They sent a collections for XXXX ( XXXX x XXXX XXXX  a month should be XXXX ) and refuse to cancel my plan. I want my membership cancelled and I do not feel like I should be required to pay that amount because I sent an email to customer service about cancellation and was never informed of the terms and I have not used the services since XXXX XXXX XXXX. Many customers have had this experience and have been coerced and XXXX XXXX  into paying these hidden fees and forced into never ending monthly payment by this XXXX Their website does not list these terms anywhere digitally and the contract is never presented in person either. 

They have XXXX XXXX star XXXX  reviews and XXXX complaints in the last XXXX years and have aXXXX XXXX XXXX 
XXXX XXXX XXXX On top of my personal resolution, I think this company may warrant a fraud investigation. There are multiple reports of them intentionally not cancelling memberships and lying and providing to give information to customers about the terms of membership.
Product: Credit reporting or other personal consumer reports

XX/XX/24 - both a hard and soft inquiry hit my XXXX report from Synovus Bank XX/XX/24- I disputed the inquiry with XXXX XX/XX/24- XXXX returned the dispute stating : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' I contacted Synovus Bank. After about an hour on the phone pushing for a reasonable investigation, I was told that someone came into a local branch on XX/XX/24 and used my information to request a credit line, resulting in the inquiry on XX/XX/24. I was initially and repeatedly told that they had no records until I mentioned filing a CFPB complaint. It is disheartening that an lesser informed consumer would have been brushed off when told that " a line of credit wasn't opened, so you should be fine. '' They could not provide any further information regarding the inquiry, nor did they agree it should be cleared from my report. I was told that a local branch banker would contact me to follow up.
Product: Debt collection

I already told them I have no money and they need to stop, calling, harassing me. I have told them 3 times to take me off their call list and they just keep saying it takes 24 hours, I told them that 's fine just take me off. They threaten it will go into collects and on my credit report so I told them to let it because I have no money, but they repeatedly and continuously keep calling. They, a female & male representative start yelling and saying I have to pay something. I 'm barely making in paycheck to paycheck I have no extra money. I 've already told them multiple times when & if I get extra money I will call them, but they refuse. XXXX XXXX XXXX. They call me EVERYDAY ... 3-5 times a day throughout the day & evening. Diversify Consultants. I loose sleep and get awakened from sleep because they refuse to stop calling. This has been going on for well over 6 months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

10 POTENTIALLY NEGATIVE MONTHS Balance details 0 % paid off Balance {$58000.00} Balance updated XXXX XXXX, XXXX Original balance {$47000.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Auto Loan Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX PAYMENT HISTORY LEGEND Status Repossession. {$57000.00} written off. {$10000.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Past due amount {$10000.00} Original balance {$47000.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 72 Months
Product: Credit reporting

I filed several times before complaints against " XXXX '', " XXXX '', " XXXX '', " ChexSystems '', because ; 1 ) They refused to send me my " Free Annual Credit Report '' claiming that they ca n't match my personal info, but at the next page of their website they offer me my Credit report for a Fee {$7.00} ; 2 ) They refused to investigate Frivolous items in my Credit Report. Obviously CFPB did n't took any action against them so " XXXX '', " XXXX '', " XXXX '' decided to take a Revenge against me by Re-age on XXXX a XXXX deleted Frivolous item, XXXX XXXX XXXX account # XXXX amount {$9700.00} which reduced my SCORE by XXXX points. Also " ChexSystems '' because they refused to investigate and delete XXXX Frivolous Bank claims ; a ) XXXX XXXX account # XXXX i closed it on XXXX, b ) XXXX account # XXXX i closed it on XXXX, both had XXXX balance at the time of closing them. As a result i ca n't open a new checking account with any Bank. My question to CFPB is why Proven Fraudulent Companies like them are allowed to Terrorize and creating problems to consumers in many different ways with Immunity ; Is it because they are allowed to do business by Bribing Politicians or because Corporations are Governing America???
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted dispute to Trans Union to remove Public Record information because the information was not properly verified by contacting the actual data furnisher, the Court of Record, not XXXX XXXX by way of XXXX XXXX XXXX obtained and sold information contained in a system of record regarding my name without my written consent. XXXX XXXX did not verify any information with the Court of Record. XXXX XXXX submitted a letter to me dated XX/XX/2022 stating it has deleted the information with Trans Union. Trans Union has not complied with the letter.
Product: Credit card

I am reaching out to inform you that I have been a victim of identity theft. These accounts were opened by someone close to me, although I am uncertain if the exact person I have in mind is responsible. Consequently, I need assistance in removing these accounts from my credit history, as they were opened due to identity theft. 

AMEX XXXX, AMEX XXXX, AMEX XXXX.
Product: Checking or savings account

I have received 3 unsolicited Debit cards in the mail in the last few weeks. I have tried to contact the banks to cancel the cards, but not all banks were helpful. 

Chase bank : was able to cancel the card, but charges were still submitted before it was cancelled.100+ charges for les then XXXX XXXX for {$160.00}, but they also deposited the same amount. 

XXXX : Card arrived, but never activated. Tried to call. but they wanted too much info. 

XXXX thru XXXX : XXXX arrived, but never activated. 


Actions : contacted local police and filed a complaint. 

Filed a credit report fraud and put a freeze on the credit agencies for 7 years. 

Contacted my credit cards to notify them of what was happening.
Product: Debt collection

I have received numerous calls from this company saying they are attempting to collect a debt. I have no debts. I called them back at their call back number to request the stop calling. An individual by the name of XXXX XXXX spoke with me and said I would have to send them a letter stating I have no debts. XXXX XXXX then tried to obtain personal information so I terminated the call.