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

I am reporting a case of identity theft because someone has opened a fraudulent mobile account in my name without my knowledge or consent. I did not authorize anyone to use my personal information to create this account, and I have no connection to it whatsoever. I am a victim of identity theft and am cooperating fully with this investigation. I request that all fraudulent activity related to this account be removed from my credit report and that all parties involved be held accountable.
Product: Checking or savings account

On XX/XX/XXXX someone found and used my card multiple times resulting in my account being charged over {$600.00}. I called Chime as soon as I received a text message from a third party account stating that my balance had reached XXXX. I explained that I did not notice my card was missing and that I was not making the purchased nor did I authorized the purchases made. They said I had to call back to file a dispute once the charges had settled. On XX/XX/XXXX I called back and filed a dispute, I provided photos and video footage of someone else using my card and receipt proof that they were bypassing the pin as the stores provided me with this information. Since then my claim continued to be denied two more time, I have added proof of my where about as well as police report information and my claim still continues to be denied.
Product: Credit reporting or other personal consumer reports

On or about XXXX, XXXX  I agreed to the try before you buy offer with XXXX. I picked a car, they dropped, and took mine. 

" To return or exchange your vehicle, you must let us know prior to XXXX XXXX  XXXX on the XXXX calendar day after receiving your vehicle. The day your vehicle is delivered, regardless of delivery time, will count as the first day of the XXXX period. '' And I did, XXXX days later after drop off. I contracted XXXX to return my car, and come get theirs. XXXX came to get their car, but did not return mine. They said they accidentally sold it, my car, during my 7 day trial period. 

They promised to make that right, but never did. Leaving me, without my car and stuck with a car I agreed to try, not buy pursuant to our agreement.
Product: Credit card or prepaid card

Discover continues to deny me credit due to a prior Discover Card Account that was discharged under XXXX XXXX Bankruptcy on XX/XX/2020 in the United States District Court District of Minnesota Bankruptcy Court. Discover shouldnt be denying me credit or still holding me liable or responsible for a previous Discover Card Account that was discharged under XXXX XXXX Bankruptcy in bankruptcy court. I have a right under federal law to a fresh start, and a right to rebuild my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed the debt company posting XXXX on Equifax credit report without any proof or reason for any balance due. Starting date XXXX have provided numerous bank statement copies of money withdrawn of monthly dues of my XXXX year contract with XX/XX/XXXX and never received any statement from XX/XX/XXXX of showing balance is due.With cXX/XX/XXXX I only had basic internet services for my daughter to use for after school homework with a monthly balance of $ XXXX policy is you XXXX the month advance. I been disputing with them. XXXX XXXX XXXX can not give me any proof or reason for any debt owned only replying to me that are collecting a debt.XX/XX/XXXX has no prier balanced owned to them.The company brings up an issue that has been resolved and in the mean time my credit score decreases because of the neglects.
Product: Debt collection

I recently received a letter from Credit Contract LLC.They are attempting and using abusive language to get me to pay their company {$1300.00}. 

I dont know this company or never did business with this company.This company doesnt have any proof or no signature of mine to validate this debt saying I owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I want for these companies on my consumer reports without my permission to stay off of my Experian XXXX and XXXX XXXX Consumer Reports. I want a XXXX because XXXX, Experian, XXXX XXXX, and XXXX have been in violations of my rights.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and sent in letters to all 3 credit bureaus XXXX, XXXX and TransUnion XX/XX/XXXX and XXXX 2022 by phone, I also sent in dispute letters on XX/XX/XXXX, asking that all incorrect names, addresses, phone numbers, spouse and employers be removed. I have also asked for them to verify accounts that are on my credit report because they aren't my accounts as I have been a victim of identity theft twice. The credit bureaus have failed to do so, and it has hurt me in getting approved for housing and other credit due to inaccurate information being reported. 
They have failed to verify accounts and remove all incorrect information. I have also asked that any correspondence be sent by mail and they have ignored that request.
Product: Credit reporting or other personal consumer reports

I am reaching out for the 2ND time to CFBP & FTC I don't know what else to do but keep fighting. There is no one else to reach out to that would have the authority to hold the credit burred accountable for continually violating my American Consumer Rights over and over. Please make them do the right thing and REMOVE THIS ACCOUNTS. I have attached all documents including how they are violation multiple of the Consumer Finance Protection Bureau law and my right. I have provided evidence for a prompt response. Thank you DO NOT CLOSE COMPLAINT WITHOUT COMPLETE RESOLVE
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX Caliber Home loans still reports the account as unpaid and or late. The account was Refinanced by my Ex Wife. Caliber Home Loans refuses to correct my Credit Report to show that the mortgage was PAID IN FULL
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent letters to the Equifax to notify them that I am a victim of identity theft and there was an account reporting on my credit report that does not belong to me as of today XXXX XX/XX/2021 this inaccurate/fraudulent account remain on my credit report and I am interested in your assistance in having my credit report updated to reflect accurate information.
Product: Credit card or prepaid card

My Synchrony card has XXXX options XXXX ) XXXX pricing XXXX ) Regular non-promo charges. A merchant made a charge on the card as a " regular '' charge vs a promo and I have been trying to pay off this balance for several months so to not incur more interest charges/fee. I have called the company multiple times since XX/XX/XXXX and requested many times for them to tell me what the NON-PROMO balance is so that I can pay it off. I have been told that I need to " figure it out myself '' by looking at my statements. I finally confirmed with them on XX/XX/XXXX with XXXX XXXX # XXXX what the balance was and I made an ADDITIONAL payment over the phone to pay this off. She ASSURED me that this would payoff my interest accruing balance. When I go on to their website, it shows that they have applied the amount as my regular payment which will be applied to the PROMO balances first and then ONLY whatever is >the min payment will go to the NON-Promo INTEREST accruing balance. I have sent there another message today, but they do not respond in a timely manner ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has failed to remove information that has had a material impact on myself after repeated requests to do so, and furnishing them with the requested information beyond what has been requested. 

I ask that these requests be honored, otherwise, other agencies, federal, state, local, XXXX, civil rights, state Attorney Generals, and other XXXX be contacted to correct the information or otherwise forced to do so in a court of law with a favorable ruling by a the presiding XXXX. 

The information listed is inaccurate, incorrect, done without my consent, permission, or authority, and I was otherwise unknown of the severity of the situation. 

Remove all requested information.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns of Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and and tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Wednesday, XX/XX/XXXX I called XXXX to try to get a security system. They used Equifax to check my credit. They found no record of me. On Thursday XX/XX/XXXX I called Equifax directly and was told that I did not have an Equifax account. When I inquired how that could possibly be as I was a XXXX XXXX XXXX former home owner with multiple credit cards, the Equifax customer service representative argued with me and told me that I simply did not have credit with them. When I expressed my concern and asked to speak with his supervisor he refused. When I checked my credit report, the last time Equifax reported on me was in XX/XX/XXXX. This week of course I read what happened at Equifax. I called the Equifax help line and explained my situation. The woman on the phone had no remedy for me. She told me to go to the website they had set up to see if my account had been affected ( even though I told her that my account had been erased on their site ). I went on their help page and put in my info and got a message saying I was n't affected! I am beyond upset. My Equifax account has obviously been hacked and erased. The company is offering no resolution. I need help. I tried to freeze my XXXX account online and could not because some of the security questions did not apply to me. I am quite concerned about identity theft at this point.
Product: Credit card or prepaid card

My account is was open and approved for XXXX back in XX/XX/2017, I been making good payments never late and after 6 month they are making decision to close my account. Can you please help me to verified this. Thank you
Product: Credit reporting or other personal consumer reports

I a a victim of the XXXX Data Breach and would like accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ). I have contacted the bureaus multiple times within the last six months via Certified mail with all the required information to remove these accounts. I will include uploads of the documents.
Product: Debt collection

These people common wealth say I owe them XXXX $ when I have no idea for what, they have tarnished my name and credit and need immediate action to solve this dilemma, I appreciate your help and look forward to referring your business to my friends and family for years to come.
Product: Bank account or service

My parents attempted to put cash in their grandson 's Chase bank account. They could not because they were not account holders there. They were told to use a cashier check, personal check or money order. None of these allow instant access to cash and/or cost money. This seems like a plot to force people to open chase accounts and not combat money laundering. ( For Pete 's sake there are more efficient ways to launder money through Chase Bank without stepping foot in a branch )
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX & Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filing a complaint against TransUnion. On XX/XX/XXXX sent a letter to dispute inaccurate inquiries. The credit company are not complying with their own policies in a timely manner. The company refuses to delete the inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time that I am disputing, yet the erroneous items still remain, I am redisputing again as a follow-up that the disputed items must be deleted because I have no affiliation with them. 

Kindly remove the following items for I have no relation with them : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX
Product: Debt collection

Today XXXX/XXXX/XXXX around XXXX pm I called to attempt to pay a collection account as Im trying to rebuild my credit. I have dealt with a half dozen or so collection agencies to do this very thing. The previous agencies were very helpful in helping me repair my credit. However, Pinnacle Credit Services LLCXXXX XXXX XXXX XXXX said they dont delete accounts and they would mark it paid in full or settled if I gave them all my vital information including my Social Security number before they would do anything. They wouldnt even send a letter saying that if I paid them it would be marked as I said earlier. They still wanted all my info. I dont trust collection agencies so I thanked them for doing NOTHING!!!
Product: Debt collection

We purchased a solar system for our home XXXX of 2021 from XXXX XXXX XXXX XXXX XXXX Upon installation we had problems, the system never worked. I made phone calls and inquired and they assured me everything should be fine and it may take a few months to see a difference. I waited patiently for about three months and still nothing, I tried calling again and they said they were waiting on approval to operate which took another three of four months. Approval was granted and still my bill never decreased. I called again inquiring and once again they told me everything was working fine. This charade continued happening until we received a letter stating the company filed for XXXX XXXX XXXX. We have never had a working system and have been paying on this system for over a year without and product that actually works. I have tried contacting XXXX  and we are on a XXXX people waiting list. I have contacted contractors and no one will touch our system, so I am perplexed and do not know what steps to take. We are still making payments as we do not want our credit to plunge. We have no problem paying the payment, but would super like to have a functional system. 
our loan is for XXXX dollars and we were supposed to get XXXX, XXXX of that back which never happened with taxes.
Product: Debt collection

In XX/XX/XXXX, my son hurt his XXXX  and needed a wheelchair from XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX XXXX XXXX provided one to rent. We returned the wheelchair to them in XX/XX/XXXX when finished In XX/XX/XXXX, I received a bill with recent charges from XX/XX/XXXX & called the company. They said they had no record of the wheelchair being returned. I told them when & where I returned it. They didn't give a receipt to me, but I thought it was taken care of, because I didn't have any problems or communication with them for over 2 years.

My son has since become an adult & although the bill is in my name, they wouldn't help me because there was
no HIPAA release. They closed my concern the several times I called & continued to charge me rent for the wheelchair. A " regional manager '' called me back on one occasion and said it would be " taken care of '', yet shortly later, I received a letter from a 3rd party debt collector. ( I have called them and informed them of the situation as well. ) XXXX XXXX XXXX XXXX is calling me & my husband non-stop & sends me past due statements every month, everytime I call, or anytime we answer their phone calls. We have received 3 statements in one week, much more frequently than the monthly billing cycle. I monitor my credit constantly because I fear they will falsely report.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
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