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

This company Macys/Citibank , N.A. is reporting a chargeoff on my consumer report. According to the IRS, when a debt is charged off by a creditor, it means the creditor has given up on attempting to collect the debt and has declared it as a loss for tax purposes. They are then required to file a 1099-c form with the IRS, which reports the amount of the canceled debt as income. This means that I may owe taxes on the charged off amount, even though I didn't receive any money from the creditor. This is a violation of my consumer rights and it will not be tolerated.
Product: Credit reporting or other personal consumer reports

his debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Debt collection

I told this company to stop calling me. They have called me over and over and even my employer. This company has even went to the point of calling me where it shows up as unknown on my cellphone. It is starting to be annoying and I feel like I 'm being harassed by this company.
Product: Credit card or prepaid card

I recently open an account with Citi Diamond Preferred. I was never sent a statement, neither by mail, or email. I contacted Citi on XX/XX/17 to inquire why I was never sent a statement. I was told by the CSR that I was enrolled in paperless statements despite the fact that I never enrolled in, nor agreed to, paperless statements. The CSR informed me that Citi would be unable to remove the {$25.00} late fee. I immediately instructed the CSR to close my account and I made the minimum payment for the amount of {$180.00}. It is also worth noting that my credit report is excellent, and my payment history is exceptional.
Product: Virtual currency

I received a random notice 3 days ago from a debt collection agency called XXXX referring to a relationship I had with Circle Financial a year or so ago. They 're stating I owe {$100.00} which I do n't recognize and definitely is n't mine. I want it removed immediately with no impact on my credit.
Product: Credit card or prepaid card

American Express began declining charges on XXXX to the card on XX/XX/XXXX. I called their customer service number and was told the problem was XXXX XXXX and I should call them. I called XXXX and they put the charge through again - declined by Amex. I called Amex back and was told their fraud unit had a hold on the card because of too many charges on XXXX. They said they would send a message to their verification team to fix it and to try a different merchant in the meantime. They said to wait XXXX hours. 
Tried a charge on XXXX and XXXX XXXX on XXXX - both declined. Called Amex again, was told they would notify verification and to wait XXXX hours. 
Declined again on XXXX - posted complaint on XXXX and got a different phone number in a reply from @ XXXX. Called that number - same as earlier calls. They would send a message to verifications, wait XXXX hours. 
Tried using card on XXXX - still declined Tried XX/XX/XXXX - still declined Called on XX/XX/XXXX. Was told they can't send me a new card, didn't offer any suggestion for fixing the problem other than trying a different merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in response to complaint XXXX. Transunion stated that the company has verified the account. Please send me the contracts that I allegedly signed for each of these accounts. I know that you didn't legally investigate these because if you had, you would have known that I had never signed anything at all. I contacted these collectors and was notified that you did not reach out to them. In addition, when I sent my debt validation letter to them, they failed to send me legal validation. The original creditor does not report the balance that's reporting on my credit report. I also sent you a copy of the PLAINTIFF 'S NOTICE OF NON-SUITS stating that the company XXXX XXXX dismissed all claims against me. I will attach it for your reference again. Please remove these accounts for failure to verify : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having issues with Identity theft for some time now and have fraud accounts and inquires show on my Experian report. I have sent in supporting documents as well as police reports and ID THEFT Affadvits in support of this matter. The following is the result of this on going ID THEFT. They please need to be blocked and or removed ASAP Thank You Report Number : XXXX 1.XXXX XXXX XXXX Inquired on XX/XX/2018 2.XXXX XXXX Inquired on XX/XX/2018 3.XXXX XXXX Inquired on XX/XX/2018 4.XXXX XXXX Inquired on XX/XX/2018 5.XXXX XXXX Inquired on XX/XX/2018 6.XXXX XXXX Inquired on XX/XX/2018 7.XXXX XXXX Inquired on XX/XX/2018
Product: Credit reporting or other personal consumer reports

I am writing to report multiple fraudulent activities and unauthorized accounts impacting my credit profile. The following issues require investigation and immediate resolution : 1. XXXX XXXX XXXX XXXX : I did not authorize the opening of this account or any of the charges associated with it. I have no knowledge of this account and request that it be removed from my credit report as a fraudulent account. 

2. XXXXXXXX XXXX XXXX XXXX ( Issued by XXXX ) ** : I did not authorize the opening of this credit card account or the transactions made under this account. I am disputing this account and any associated charges, requesting its removal from my credit report as fraudulent. 

XXXX. **XXXX XXXX XXXX XXXX : A charge-off for this mobile phone bill appears on my credit report. I did not authorize or initiate this account and dispute the legitimacy of this charge. I request its removal as a fraudulent entry. 

These accounts are clear violations of my consumer rights under the **Fair Credit Reporting Act ( FCRA ) **, 15 U.S.C. 1681, which entitles me to accurate and fair credit reporting. Under this law, I request that the credit reporting agencies conduct a thorough investigation and delete the aforementioned fraudulent accounts from my credit profile. Additionally, under the **Fair Debt Collection Practices Act ( FDCPA ) **, I demand that no further collections or attempts to recover these alleged debts take place, as they are invalid.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Bank account or service

After online activation of a new bank issued ATM card in the state of XXXX, my online checking account was hacked and an unknown person transferred funds from another linked checking account, on the same date, merchant purchases were made and ATM withdrawals were made in excess of my daily limit in the state of XXXX. I immediately notified the Bank of America. A hold was place on the account. After a review, Bank of America denied the online claim, withdrew the credit for the purchases and ATM withdrawal, but could not provide backup evidence to support the denial. A police report in my home city was submitted attesting to the fact that I did not authorize any of the transactions nor did I travel to XXXX. After requesting Bank of America 's documentation to support the denial, I was told there was no documentation only an opinion that the transaction were authorized because the online access was hacked when activation of the new ATM card occurred. Bank of America also withdrew funds from the new checking account opened with them to cover the funds used to make the unauthorized purchases and ATM withdrawals.
Product: Money transfer, virtual currency, or money service

I received a message from XXXX with PayPal XXXX Office of Executive Escalations. It states that they found out that I were receiving payments for unapproved gambling-related services through the website XXXX. 
As far as I know I only received payments from the graphic designs I made to my clients. Transaction ID 's : XXXX from Sir XXXX XXXX and XXXX from XXXX XXXX. Which is now on hold. Attached here are their orders and invoices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in a police report by mail and fax, I have called and talked to multiple reps over the phone, and I have filed multiple reports with CFPB and FTC about unauthorized inquiries on my credit reports. I pay for a monthly monitoring service and I have placed a fraud alert on my credit reports and froze them. I have informed them that I received an email from my son 's college stating I have been involved in a Data Breach, and now I have been told my all of my info is on the Dark web! However, they are refusing to delete the inquiries! I disputed several accounts that are reporting inaccurate information and they will not provide me with proof of all the information they used for the investiagtion ( per FCRA 611 ( a ) ( 7 ), but they keep stating they have been verified as accurate! 
Below are the items that are unauthorized and/or reporting erroneously : 1. XXXX XXXX Inquiry - XX/XX/XXXX & XX/XX/XXXX 2. XXXX XXXX Inquiry - XX/XX/XXXX 3. XXXX XXXX XXXX Inquiry - XX/XX/XXXX 4. XXXX XXXX Inquiry - XX/XX/XXXX & XX/XX/XXXX 5. XXXX XXXX XXXX Inquiry - XX/XX/XXXX 6. XXXX XXXX XXXX Inquiry - XX/XX/XXXX 7. XXXX XXXX XXXX - Account # XXXX - Account in litigation 8. XXXX XXXX XXXX - Account # XXXX - Account in litigation 9. XXXX XXXX - Account # XXXX - Account in litigation 10. XXXX - Account # XXXX - Account in litigation 11. XXXX - Account # XXXX - Account in litigation 12. XXXX - Account # XXXX - Account in litigation 13. XXXX XXXX XXXX - Account # XXXX - Account in litigation 14. XXXX XXXX Bankruptcy Dismissed - XX/XX/XXXX - Inaccurate reporting and Bankruptcy Courts gave me proof they do not provide information or validate public records.
Product: Vehicle loan or lease

So basically I had a loan for a car from Exeter Finance and the car was repossessed on XX/XX/XXXX. I had stopped making payments in either XXXX or XXXX of XXXX, they report it as XX/XX/XXXX. This company consistently adds and removes this account from my credit report and then changes the status of the account. It was recently reported to XXXX on XX/XX/XXXX as a delinquent account. this is a repossession and a charged off closed account. Every time they take this off my credit nothing happens to my score but when they re-add with payments being delinquent or missed payments it reduces my score significantly. I have been working vigorously on my credit the last 6 months and I would have easily worked out something with them, but no longer because they are doing this to cause intentional harm to me.
Product: Credit reporting or other personal consumer reports

I am resubmitting a formal complaint to EXPERIAN regarding the inaccuracies in my credit file that are not verifiably compliant, valid, or fully documented. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX. My date of birth is XX/XX/XXXX, and the related FTC report number is XXXX. I have identified potential duplicative and questionable items on my credit record that have not been authorized by me. As a consumer, I have the right to request the immediate deletion of these entries, in accordance with my federal and state consumer rights. I am filing this consumer complaint to ensure that all items reported in my credit file comply with the Fair Credit Reporting Act ( FCRA ). This includes a demand for verification of the disputed data. If these inaccuracies are not corrected, I will refile my complaint to ensure adherence to FCRA guidelines, as outlined in Title 1, Section 151.
Product: Credit reporting or other personal consumer reports

I am not liable for the debt with XXXX XXXX. I do not have a contract with XXXXXXXX XXXX They did not provide me with the original contract as I requested. In accordance with the Fair Credir Reporting Act this creditor has violated my rights under 15 U.S.C. 1681 SECTION 6 0 2, states I have the right to privacy ( 15 U.S.C. 1681 section 604 section 2 ) it also states a consumer agency reporting agency can not furnish an account without my written consent and/or instruction. This was also reported to the bbb.
Product: Credit reporting or other personal consumer reports

Here are actual dates and complaint numbers listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFPB hasnt stepped up and investigated anything.Ive been asking for actual proof for awhile and Equifax has ignored my request every occasion. There are still inaccurate reporting on my credit report. I feel racism is playing a major role in this situation as well. The lack of respect I get from this company is ridiculous. I have sent letters in on several occasions. Ive made phone calls and files complaints. Laws have been broken and CFPB has did absolutely nothing.
Product: Debt collection

My backpack and wallet were stolen and I was a victim of identity theft. I have tried for years to get the debt removed and they will not remove it. They contort call and harass me no matter how many times I change my phone number and address. I have formed that its not my debt and this has gravely affected my life and identity. I have filed with the irs proof of identity theft and have ip pins.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX  XXXX Account number XXXX. 
XXXX XXXX XXXX  - Account number XXXX. 

As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfer, virtual currency, or money service

I was a victim of bank wire fraud in my bank of America account. I immediately realized I was being scammed and called bank to freeze account, recover and investigate to recover funds. Did this within 20 minutes of reaizing I was scammed and provided all information for the report and investigation. Claim # XXXX. 

I provided cell phone XXXX  associated with the scam and all informationas to occurence. It took days for BOA to reespond and send letter to me to autohorize investigation to XXXX where the wire transfer went from my bank. I did not recieve any follow-up information for weeks then I called on XX/XX/XXXX to the fraud department and was told that he was reading notes and that I could expect my funds to be redeopited into my acocunt by XXXX  XX/XX/XXXX or XXXX. I then received a form letter from BOA on XX/XX/XXXX stating that my invesigation was clossed and Bank of america was unsuccessful in recovery my funds and investigation closed. I then called the same number to fraud departmentr back this morning and was told that yes the investigation was closed and funds will not be returned to me as it was a scam and not deemed fraud by BOA. They also deied that I spoke to anyone there yesterday and was told that I would be receiving money back from the investigation but stated they would follow-up with that individual but the invesitagtion is closed and nothing more they will do. They also proceeded to tell me that it does not matter that I have banked with them for 21 plus years and preferred member I caused the scam by being tricked into providing personal imformation that caused the scam not fraud. I find this completely unaccpetable as a consumer that I have no protection from my bank on a scam where they had my banking information and pretended to be BOA and scammed me out of {$3000.00} from my persoanl acocunt. Why is my money not protected and why does the bank see it as my fault and has no accountability financially for my money that was stolen thru them
Product: Checking or savings account

I placed an order with XXXX XXXX in XX/XX/XXXX. My package was supposed to be delivered on Thursday XX/XX/XXXX but apparently it was delivered on Wednesday XX/XX/XXXX. The carrier ( XXXX  ) stated they left the package at my front door which was inaccurate as I was home all day and never saw the package. I reached out to carrier and the merchant. After merchant saying they cant do anything because carrier said it was delivered. I opened a dispute with Chime Bank on XX/XX/XXXX. I provided information that shows my receipt, conversation with merchant and carrier. The carrier told me to work it out with the merchant. The merchant said they can no longer help as I opened a dispute with Chime. Almost every week, I reached out to Chime about the status of my dispute and they were saying it will be done by XX/XX/XXXX. Today on XXXX of XXXX almost a month Chime denies my dispute for {$150.00} and said there was no error. I stated I never received the package and provided documentation that I made this purchase. Chime has not provided me a valid reason as to why my dispute was denied. All they said is I can file a rebuttal by providing new information and they will send documentation in XXXX business days as to why my dispute was denied. I filed the rebuttal and provided them with the same information only for them to deny it again by saying I did not provide new information. I informed Chime that I been waiting for a month for a decision. The merchant is not going to help me since I opened a dispute and it has been 30 days since I made the purchase. I would like for chime to refund me my funds as I do not think it is right that they took a month to investigate like they came to my door or something and then deny me my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is reporting transactions that are excluded by law. Specifically, late payments and/or inaccurate balance and/or payment information as well as income as per 15 US Code 1681a paragraph 2 sub paragraph A. 

Additionally company failed to provide a lawful consideration, accept and/or report lawfully submitted negotiable instruments, or provide 1099 or other significant tax forms in order for consumer to file/report in a timely manner As of XX/XX/2023 2023
Product: Debt collection

Best Egg is attempting to collect an alleged debt in which they have not provided proper proof of my obligation to the alleged debt pursuant to 15 USC 1692g. I am requesting that Best Egg cease and desist all communications in regards to the alleged debt pursuant to 15 USC 1692c ( c ).
Product: Debt collection

At the beginning of last year, I had my credit pulled for a pre-qualification for a loan. It came back that I had a collection account with XXXX XXXX that I was unaware of. I contacted the company that was handling the debt, asked for validation, and it was removed off of my credit report. It then was resold to XXXX XXXX XXXX on XX/XX/2018 and reappeared on my credit for {$460.00}. It is the only negative collection account on my report, and as I previously stated I had no knowledge of the account at all. I have tried to reach out to the company about having the account removed, and every time I called I was spoken to extremely rudely and they demanded that I pay 70 % of the debt to have it settled. The problem with that is that it will still report negatively on my report, and the debt is not mine to begin with. I even offered a smaller amount in exchange for a Pay to Delete agreement just to get rid of it because I am XXXX XXXX military and I am trying to buy a house. They were nothing but rude every single time I spoke with them, and I refuse to deal with them any longer. I just want the debt gone and off of my report.
Product: Credit card or prepaid card

I made a purchase with XXXX XXXX XXXX XXXX XXXX NY for XXXX on XX/XX/2021 for stained glass supplies XXXX claimed to have delivered this parcel to my address The parcel never came I put a dispute with chase bank they reversed the funds back to my account. One week later XXXX delivered the parcel to me the driver stated it was delivered to the wrong address I said things happen I called chase in new York customer service they agreed to reverse the complaint and rebill my credit card in which they did on XXXX I have an E-mail supporting that to this day chase has my funds and will not forward the money to the XXXX XXXX XXXX account this has been going on for nine weeks now the vender is entitled to his XXXX thankyou for your assistance in this matter XXXX XXXX XXXX @ XXXX XXXX