23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My unpaid account with XXXX was sent to collections to two different collection agencies : Receivables Performance Management ( XXXX ), and XXXX XXXX, XXXX. 
I settled an amount with XXXX, and the account was settled in full on XXXX/17. 
However, I am still listed on XXXX XXXX system and the account is showing on my credit reports, affecting my chances of obtaining a home loan, due to the bad and misrepresented information. I have spoken to XXXX XXXX  Escalations Department Manager 's to try to resolve the issue, and have forwarded them email documentation ( PDF file of receipt from XXXX ) proving the account with XXXX has been paid for, but they have yet to update their records. They keep telling me they have not received any proof, and keep on prolonging this stressful situation for me. 
I am asking for assistance to get this issue resolved as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date listed below, I submitted the following statement in the form of a letter listed below and XXXX failed to Verify-in 30 days the inaccurate information on my credit report. My life has Ben Ruined for  years because of this incorrect information cant get a job or receive funding for a business start-up. NO VERIFIABLE PROOF WAS SHOWN XX/XX/2020 Trans Union Consumer Dispute Center According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you  have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. 

Please remove all accounts that are not METRO 2 COMPLIANCE
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX 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 : XX/XX/XXXXXXXX Account Name : XX/XX/XXXXXXXX XX/XX/XXXX Account Name : XX/XX/XXXXXXXX XX/XX/XXXX Account Name : XXXX XXXX XX/XX/XXXX Account Name : XX/XX/XXXX************** XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account Name : XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX Account Name : XXXX # XXXX XX/XX/XXXX Account Name : XXXX # XXXX XX/XX/XXXX Account Name : XXXX XXXX # XXXX XX/XX/XXXX Account Name : XX/XX/XXXXXXXX XX/XX/XXXX Account Name : XX/XX/XXXXXX/XX/XXXX Account Name : XX/XX/XXXX XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This debt has been cancelled via 1099 C, also It is illegal to report transaction history per the Family and education act of 1974. I have called about this and it has not been resolved, the IRS have also sent notice to the company of the cancelled debt.
Product: Checking or savings account

On XX/XX/2022, a BMO Harris Bank representative ordered a replacement debit card for my checking account due to attempted fraudulent transactions. An improper fee related to that order was the subject of a different, resolved CFPB complaint. Several days later, the new debit card arrived in the mail. As expected, it had a new card number, CVV, and expiration date several years in the future. I successfully activated and began using the card. 
On XX/XX/2022, another replacement debit card unexpectedly arrived via mail. However, this card has the same card number as the original compromised card. I believe this is an automated replacement order for the original card because it was due to expire in XX/XX/2022. Despite this, BMO should not have sent this card for two reasons. First, the card was just replaced two weeks prior, and a new card with an extended expiration was already issued. Second, BMO knows the card number is compromised. I believe BMO failed to address the pending automated replacement when dealing with the fraud issue, resulting in duplicate cards. At best, they could have canceled the duplicate order. At the least, I would have expected BMO to see the duplicate orders and instruct me on how to proceed. 
I have not yet attempted to activate this card because I do not know how to proceed.
Product: Credit reporting, credit repair services, or other personal consumer reports

A Capital One credit card was opened in my name on XX/XX/2018. I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chexsystems has placed a freeze on my credit report without my permission. After several phone calls including being disconnected while being transferred I've been unable to resolve this issue without someone mailing me a pin # for an account I don't have. This will have an adverse monetary effect on my business. Why is a consumer report company have have me speaking to someone in the XXXX XXXX? Why can they not get this fixed via phone with all the proper information that I provided? How do I block them from having access to my personal information moving forward? If I do indeed loss revenue against my company who do I contact for reimbursement?
Product: Money transfer, virtual currency, or money service

I have had a few instances where my account was having some unauthorized transactions and funds taken from my account. I contacted the cashapp support team but never received a solution or my funds back.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Credit Reporting under 15 U.S.C. 1681e ( b ) To Whom It May Concern : I am writing to formally dispute the reporting of an account by XXXX XXXX XXXX XXXX, listed under account number XXXX, on my credit report. This account contains significant inaccuracies, and I am requesting immediate investigation and removal under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies maintain maximum possible accuracy of reported information. 

The inaccuracies in question are as follows : 1. Repeated Reaging of a Charged-Off Account : XXXX XXXX XXXX XXXX has been reporting this account as charged off on a recurring monthly basis. A charge-off is a one-time event and should not be reported as such repeatedly. This practice creates misleading and inaccurate information on my credit report. 

2. Failure to Validate the Debt : Despite multiple disputes, XXXX XXXX XXXX XXXX has failed to provide adequate validation or verification of this account. According to the FCRA, creditors are required to provide sufficient evidence to verify the accuracy of the reported information. 

3. Refusal to Issue a 1099-C : Since XXXX XXXX XXXX XXXX claims this account has been charged off, they are obligated to issue a 1099-C if the debt has been written off or canceled, as required by IRS guidelines. Their refusal to provide this documentation raises further doubts about the legitimacy of the debt.

4. Inconsistent Reporting Across All Three Credit Bureaus : The account information reported by XXXX XXXX XXXX XXXX is not consistent across all three major credit reporting agencies ( XXXX, XXXX, and TransUnion ), further contributing to its inaccuracy. 

Given these violations, I request that the following action be taken immediately : Remove this account entirely from my credit report if XXXX XXXX XXXX XXXX can not provide sufficient validation or correct the inaccuracies. 

Consider this letter a formal request under the FCRA. I expect the results of your investigation within 30 days, as required by law. Due to multiple failed dispute attempts as well as failure to validate account correctly I have escalated this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory agencies. If not handled in a timely manner this account will be involved in litigation, I will also pursue legal action to ensure my rights are protected under the FCRA. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Evidence Chase Bank fraudulently took XXXX from checking even after 3 fraud reports were made to Chase Bank svidence phone calls " chass bank '' Chase bank used language " languags '' " dont say stolen '' " you have two options '' " there are ten questions '' " will have to clise yoir debit card '' " will have to refer to hos procedure '' " you will have to contact the merchant '' Mervhant fraud Merchant did not authhorize tramsaction with merchant written stated statement evidence I tell the truth and did not authorize XXXX to be taken from my checking account by Chase Bank XXXX 
I did not authorize Chase Bnnk to stolen XXXX from my checking account. 

Evidence report made to FDIC and XXXX. 

Chase Bank did not return XXXX after XXXX fraud reports. XXXX showed pending from my checking account past Chase Bank time lie with evidence after XXXX fraud reports to Chase Bank that Chase Bank stolen my money and made decisions with " denied '' after evidence written " from the merchants '' Evidence There is evidence of merchant fraud. It has been reported and is known and shown with written evidence and " language evidence '' Chase Bank used force language, " intent language '' " impeded language '' " defrauding language '' " stalling language '' " making a decision for someone else language '' " known language '' " intentional language '' " and behavior language '' " Chase Bank asking questions and asking questions including violating Privacy Act Law, HIPAA Act, and XXXX XXXX. 

Calls to Chase Bank did cause XXXX 
XXXX  was caused by Chase Bank and stolen from Chase Bank Evidence Violations Chase Bank discriminated and violated. Chase Bank is not trusted.

Chase Bank is liable for the money and all money it stole from my account. Fdic is laible for all money stolen from my checking account at Chase Bank and XXXX XXXX XXXX Evidence Stolen from XXXX XXXX XXXXXXXX and stealing has been police reported. 

Evidence Privacy Act Law XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding my experience with Acima Leasing, specifically concerning their handling of payments for a lease-to-own agreement. 

On XX/XX/year>, I contacted Acima to pay off a lease. During the phone call, I was given a payoff amount and agreed to make the payment. However, after making the payment, I discovered that the funds were not applied to the lease I inquired about but were instead applied to a different lease. Despite my payment, Acima continued to charge me for the lease I believed was paid off for an additional two weeks. 

When I called Acima to resolve this issue, I was offered no clear solution except a refund of the payment I had already made. Additionally, I was informed that the amount I paid was insufficient to pay off the original lease, despite being quoted that amount during the initial phone call. 

To date, I have paid {$800.00} more than the original amount of the lease, yet Acima is now demanding an additional {$1800.00} to satisfy the lease. This is unacceptable and feels predatory. 

I am requesting the CFPBs assistance in investigating Acima Leasings practices and resolving this matter. I believe I have been misled and overcharged, and I am seeking a resolution that reflects the amount I have already paid, which exceeds the original cost of the lease. 

Please let me know if you require any additional information or documentation to support my complaint. I appreciate your attention to this matter and look forward to your response. 

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

Please delete this account from my report due to inaccuracy and inconsistencies in reporting because the 120 days past due shows XXXX on XXXX, XXXX on TransUnion, XXXX on XXXX. See attached screenshots as proof.

This inaccuracy is keeping a negative account on my report, substantially hurting my credit score and preventing me from receiving much lower lending rates. 

Per CUSHMAN v. TRANS UNION CORPORATION ( 1997 ), " the statute places the burden of reinvestigation on the consumer reporting agency '' Per 15 U.S. Code 1681s2, " 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: Debt collection

This notice with the CFPB serves as my written response to the Resurgent Acquisition LLC dated from their mailed letter XX/XX/22 that I have no knowledge of this alleged debt and request for it to to be sent back to the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

inquires are showing up on my credit report that was not authorized by me.
Product: Student loan

On XX/XX/19 I called navient to see about getting my payments increased so I could pay my student loans faster as I saw that in the 3 years I have been paying them they have not got down in terms of amount owed. The person I spoke with said that the only way to increase my payment was through additional paperwork as I am on an " income driven repayment plan ''. I then told the customer service rep that I would like to pay around XXXX $ A month and she said the highest I could pay a month is XXXX . She then told me I could place my account in forbearance. I had sent in an application for borrowers defense and they immediately put my account in forbearance and I had called and told them no, I want to continue to pay the loan until my application was processed. I had to argue with them to continue to repay my loans instead of being put into forbearance.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX, Ohio, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] XXXX, XXXX, XXXX [ REPORTING DISPUTES XXXX XXXX XXXX ] [ XXXX XXXX, TX XXXX ] Subject : Request for Correction and Deletion of Inaccurate Information Dear CFPB, I am writing to formally dispute an inaccuracy that appears on my credit report regarding my car loan. After reviewing my credit reports from all three bureaus, I have found discrepancies that I would like to bring to your attention for immediate correction. 
XXXX. XXXX reports that the information regarding my car loan is close, but this is still inaccurate and requires further clarification. 
XXXX. Experian report that my car loan balance is {$26000.00}, while XXXX and XXXX lists the balance as {$0.00}. This inconsistency between the bureaus is concerning, and I believe it to be an error that needs to be rectified. 

I have also heard that there has been an ongoing issue with the accuracy of XXXX XXXX XXXX across credit reporting agencies, which I believe may have affected my credit file. 

I respectfully request that you investigate and correct this information. Specifically, I would like the inaccurate balance information to be updated and for any outdated or incorrect data related to this account to be deleted from my credit report. 

Please provide confirmation of the corrections made to my credit report once the review process is complete. 

Thank you for your prompt attention to this matter. I look forward to resolving this issue as soon as possible. Please feel free to contact me at [ Your Phone Number ] or [ XXXX ] if you need further information. 

Sincerely, [ XXXX XXXX ] You can send this letter to each of the credit bureaus individually ( XXXX, XXXX, and XXXX ) or via their respective online dispute resolution systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX, GA  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX GA  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA  XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX   ) XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$4100.00} ; XXXX/XXXX  XX/XX/XXXX.
Product: Mortgage

My escrow company has request a payoff of funds starting with XX/XX/XXXX, XX/XX/XXXX, I called on XX/XX/XXXX and spoke with XXXX at Freedom Mortgage and request another payoff this day and he told me it would be emailed over to the company to XXXX by XX/XX/XXXX. I am due to close escrow on XX/XX/XXXX at her email address. This refusal to send wire information and payoff information is rediculous.
Product: Credit reporting or other personal consumer reports

Macy 's reported I had a late payment XX/XX/, greater than 30 days. Under the Fair Credit Reporting Act, this creditor violated my rights under 15USC 1681 section 602, I have the right to privacy. Under 15USC 1681 section 604A section 2, it also states consumer reporting agency can not furnish an account without my written instructions. Under section 15USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 items : XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX, XXXX  XXXX  XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$830.00}, XXXX XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$630.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$1200.00}, XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENTITY HAS BEEN STOLEN. SOMEONE KEEPS OPENING ACCOUNTS IN MY NAME. I AM TRYING TO KEEP UP WITH MY CREDIT PROFILE BUT ITS SO HARD WHEN SOMEONE IS STEALING MY INFO OPENING UP FRAUDULENT ACCOUTNS. PLEASE INVESTIGATE THESE ACCOUNTS AND REMOVE THEM FROM MY PROFILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Original creditor TX XXXX XXXX XXXX XXXX Balance : {$190.00}, XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX  XXXX XXXX Creditor Name : XXXX XXXX XXXX XXXX TEXAS ) XXXX Balance : {$80.00}, XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Bank account or service

I opened up an account at Huntington Bank at XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX. 

I deposited over XXXX in the form of a check and they keep placing holds on the money over the standard period for no real reason. I came in to get XXXX and was denied 7 days after I deposited the money. I asked them to contact management and the women did not get anyone and made a fake phone call.
Product: Debt collection

Please see attached documents showing schedule of debtors and the collection account. 
This was discharged in the XXXX  XXXX bankruptcy. 
The date of original debt is XXXX, you have to include ALL debt in a XXXX. 
The card amount doesnt match but there is no way anything prior to XXXX was not included in the discharge amount. 
This is criminal behavior!
Product: Credit reporting or other personal consumer reports

I woke up to a major issue on my credit reportan unauthorized inquiry appeared out of nowhere. I regularly check my report, yet today, I noticed discrepancies that I can not explain. Refreshing my browser did nothing, proving this is not a minor glitch. This situation is deeply upsetting, and I demand an immediate review of my documents to resolve this once and for all.