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

I recently looked over my consumer credit file. I come to notice that there are several inaccurate accounts that have not been authorized or unverfied by myself THE ORIGINAL CREDITOR and FEDERALLY PROTECTED CONSUMER. these accounts are being placed on my account negatively and reporting to the three credit bureaus without validation or consent.

15 USC 1602 ( 1 ) ( a ) ( b ) ( c ) furnishing MY FEDERALLY PROTECTED information to third party debt collectors.

FCRA STATES the " I HAVE A RIGHT TO PRIVACY '' 15 USC 1681 ( a ) ( 4 ) These corperations are in a clear violations per the FTC 15 USC 1692a ( UNFAIR PRACTICE ) 15 USC 1692b ( 2 ) ( STATING I OWE THIS ALLEGED DEBT ), 15 USC 1692g ( NO PROOF OF VALIDATION ), 15 USC 1692, 15 USC 1692j ( FURNISHING MY CONSUMER IMFORMATION ), 15 USC 1692d ( HARRASSMENT ), 15 USC 1692e ( 1 ) FASLE AND MISLEADING INFORMATION ), 15 USC 1692e ( 14 ), ( USING A NAME OTHER THAN ORIGINAL DEBTOR invalidated debt.. and 15 USC 1692f ( 1 ) furnishing my Consumer Information without my consent. 


XXXX XXXX, ****XXXX XXXX***, XXXX XXXX XXXX AND PHOENIX FINANCIAL SERVICE**** are all third-party debt collectorsI have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo XXXX XXXX XXXX, XXXX ) I presume that no proof alleged debt, therefore any such debt in fact exist. 

THESE INQUIERS ARE UNAUTHORIZED XXXX ( Inquiry from XX/XX/XXXX ) XXXX XXXX  ( Inquiry from XX/XX/XXXX ) XXXX XXXX ( Inquiry from XX/XX/XXXX ) XXXX  ( Inquiry from XX/XX/XXXX ) XXXX XXXX XXXX ( Inquiry from XX/XX/XXXX XXXX XXXX XXXX ( Inquiry from XX/XX/XXXX ) the charged off account from XXXX Closed amount XXXX Opened XXXX is not verfied and was not authorized by me.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXXXXXX and all payments were placed on Autopay. 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 XXXX 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.

NORDSTROM/TD BANK USA 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: Credit reporting or other personal consumer reports

On Tuesday XX/XX/year>, I received a letter from the " Loan Depot '' stating that my private credit information was subject to a data breach. The four-page letter continued as to what remedies I can do to fix, repair, and protect my data. I NEVER EVER PERMITTED LOAN DEPOT TO POSSESS MY PERSONAL DATA OF ANY TYPE TO BE IN THEIR POSSESSION. The blatant admission of their possession is CRIMINAL as Loan Depot must have obtained it without my permission or consent directly or otherwise. 
As such my data being in their possession illegally is now breached and they forward letters to victims of whom will respond and will now be in their data base with consent. Such a scam! 

Problem : 1. Possession of my data without permission.

2. Improper safeguards allowing my data to be exposed to everyone. 

Logically there seems to be some back-channeling of personal data from business to business possibly buying and selling illegally of data bases of which have been stolen, sold, circulated and purchased. I do not do business with LOAN DEPOT, address on letter below, and have never provided them permission or submitted a credit application. 

Loan Depot XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting or other personal consumer reports

I have been frustrated to contact with the XXXX XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX, Equifax XXXX XXXX XXXX during robocalls since XXXX. I am tired of the hard working to get a living relay to help the understand communication access when the robocalls keep circle or restrict limited communication. I am not interested to report security freeze. I rather report to the fraud department that someone theft my identity person in XXXX. That's unacceptable very serious.
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, MD XXXX XX/XX/2022 XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. Code 1679c - Disclosures Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.
Product: Credit card

I paid for a taxi ride with my credit card. The amount I sign for was XXXXXXXX XXXX XXXX XXXX XXXX XXXX That was approximately {$21.00} XXXX. The amount I was charged was XXXX XXXX XXXX {$2100.00} XXXX ). I disputed this with Chase bank and Chase found it was a legitimate charge. I believe this was a scam by the taxi driver because the amount on the visa machine showed XXXXXXXX XXXX The taxi driver would not provide a receipt. Now chase is charging me {$2100.00} because I cant produce a receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting monetary relief from Experian in accordance with 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by consumer as a result of the failure or damages not less than {$100.00} and not more than {$1000.00}. ( 1 ) Experian has refused to provide me with a the " Name and Address '' of the company it states reported to them the accuracy of a record reported on my consumer report as " XXXX XXXX XXXX FL XXXX ''. ( XXXX ) I have attached a letter from the " XXXX XXXX CT FL XXXX '' or " US Bankruptcy '' court certifying that no information has been reported to Experian. I have attached a letter from Experian 's data furnisher " XXXX '' which shows " NO BANKRUPTCY RECORD ON FILE ''. ( XXXX ) I have attached my dispute letter sent to Experian requesting this information in accordance with the FCRA. Experian has refused to provide them information and continues to report this " Unverified/Inaccurate '' InformatioXXXX on my report. I am requesting a sum of {$2000.00} for both investigations and the removal of this record from my consumer report.
Product: Checking or savings account

Trying to add bank to my XXXX e d d for direct deposit of my check. Will not let me.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I went in to a check into cash and inquired about obtaining a second payday loan ( already had one with there company ) and she said yes it was okay to have 2 loans at the same time. This was incorrect, I was Auto denied because per check into cash customer service you can Only have one loan at a time. So I was deceived into signing a credit check disclosure. If she would have given me the correct answer of course I would not have applied. I spoke with check into cash customer service and they let me know only one loan was allowed at a time, I notified  them about the wrong information given in store and filed a complaint with request to remove the inquiry. 30 days later I was a sent the signed disclosure saying I signed it. Even though the rep either knowingly lied or did not know and neglected to make sure that I was able to have a second loan
Product: Debt collection

Barclay 's reported some negative marks on my credit report. I need some options to resolve this issue.
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

On XX/XX/2022 I was issued a refund of XXXX to my bank card, and was told I should receive it within 10 business days. Within those 10 business days I received a text someone made a transaction with my bank card, it asked if I authorized the transaction and I replied No, Chime still let the transaction go through so I called them complaining and the agent said he would replace my card but failed to let me know it would affect any processing refunds, so I eventually contacted XXXX because I was wondering why I havent received my refund which was on XX/XX/2022. They informed me the refund failed and I asked is it possible because my card number changed and they said yes so I would have to have chime refund me instead because they cant refund a card the item wasnt purchased with, so I contacted chime immediately and was told they have to dispute it and they cant immediately refund me but was told by 2 supervisors from Chime that I would receive a temporary credit by the 10th business day, I even have an email from chime stating on XX/XX/2022 my account would be credited, I called them today and now theyre saying disregard the email, I have to wait for the fraud department to finish investigating but Ive submitted all the screenshot between XXXX supervisor chatting, also the emails from XXXX confirming the refund but and I have multiple emails from chime saying Ill receive temporary credit by the 10th business day and now theyre saying they cant.
Product: Credit card or prepaid card

On XX/XX/XXXX I submitted a request for a credit limit increase on my Discover credit card account both online and with a Discover agent. 
I knew that my credit score was more than 750 and that I have had no problems with any accounts, at all, for more than ten years. 
My Discover credit card account has been open for years with no problems and my present limit is {$5500.00}. 
Both of my requests were denied. 
I inquired, from the agent, as to the reason that my request was denied and they stated that the denial was based on a matter from XXXX when I included my Discover Credit Card account in my Chapter XXXX Bankruptcy, which was fully discharged in XXXX. 
I received a letter from Discover Credit Operations Team, dated XX/XX/XXXX, that stated the following, " Unfortunately, at this time we are not able to approve your request for a credit line increase due to the following : STATUS OF EXISTING / PRIOR DISCOVER CARD ACCOUNT ''. 
My bankruptcy, which was fully discharged in XXXX, and the XXXX issue with my Discover Credit Card account included in my bankruptcy, are both more than ten years old now, so why did Discover deny my credit card limit increase based on information that is past statue?
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the handling of fraudulent items on my credit report, despite numerous attempts to follow up and have them removed. This marks the XXXX time I am formally requesting the removal of these fraudulent items due to their fraudulent nature. 

This continued failure to address the issue is unacceptable and has caused immense stress and hardship. It is imperative that these fraudulent items are promptly removed to prevent further damage to my creditworthiness and to safeguard against potential identity theft or financial fraud. 

Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation into these fraudulent items. It is essential to restore confidence in the accuracy and reliability of information reported on credit reports. 

I expect a prompt and satisfactory resolution to this matter and request confirmation of the removal of these fraudulent items once the necessary actions have been taken. XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXXXXXX Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$590.00} XXXX XXXX XXXX Balance Owed : {$81.00} XXXX XXXX Balance : {$330.00} XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX  XXXX Balance Owed : {$2000.00} XXXX  XXXX Balance Owed : {$590.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX Balance : {$330.00} 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

To Whom It  May Con cern TransUnion  XXXX .  XXXX   XXXX   XXXX , CA  XXXX    XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX , TX  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX   XXXX ,  XXXX  SOC SEC #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  To Wh om It May  Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The  item ( s ) list ed below are as follow : Please update to the correct address  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  I HAVE BEEN LIVING THERE SINCE  XXXX / XXXX / XXXX  Have enclosed  XXXX  bills PLEASE UPDATE MY  CURENT ADRESS ADD RESS :  XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  BELOW IS NOT MY ADRESS  XXXX   XXXX   XXXX   XXXX     XXXX   XXXX , FL  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX  MY CORECT NUMBER  XXXX  CELL Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accorda nce with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request t hat you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.     Furthermore, purs uant to 15 U.S.C. 1681i ( b ),  I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.   Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the  past six m onths.     Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and comp leteness of the item ( s ) i n question, including the business name and contact information of any furnisher within  15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law  to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address.      XXXX   XXXX  SS #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To begin with, I did not authorize or give consent to XXXX or any other agency to furnish information related to me. 

I XXXX XXXX, have been receiving harassing phone calls from some debt collectors. All of the debt collection agencies are committing actions that are prohibited by law. It is my understanding that debt collectors may not harass, oppress or abuse debtors or any third parties they contact. I have also been threatened to be taken to court if I do not pay these debts. These phone calls are completely oppressive, harassing, and burdensome. 

Following these harassing phone calls, I performed a review of my credit report, and I discovered that your agency shows some unauthorized accounts that I find to be detrimental to my credit. 

Please be advised that the companies performing the harassing phone calls are listed below. 
1 ) XXXX XXXX XXXX / {$560.00} 2 ) XXXX XXXX XXXX / {$14000.00} 3 ) XXXX XXXX XXXX / {$14000.00} 4 ) XXXX XXXX / {$2900.00} 5 ) XXXX XXXX {$5100.00} 6 ) XXXX XXXX, XXXX / {$9100.00} 7 ) XXXX XXXX XXXX / {$300.00} 8 ) XXXX XXXX, XXXX / {$280.00} 9 ) XXXX XXXX XXXX / {$10000.00} 10 ) XXXX XXXX / {$1100.00} To repeat, these transactions occurred without my permission. 

I would like to request removal of the above items from my credit report, which are the result of me being a victim of identity theft. This information does not relate to transactions that I have made/accounts that I have opened. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act, 15 U.S. Code 1681, 15 U.S. Code 1692g and 15 U.S. Code 1601.
Product: Money transfer, virtual currency, or money service

Company is Venmo - The original email said I had a negative account balance because of a flagged credit card that was never used on their site. They later sent a separate email with a different reason that mentioned a transaction sent to user @ XXXX on XX/XX/XXXX for {$500.00}. I promptly notified customer service via their chat service on XX/XX/XXXX to let them know about the erroneous transaction. They ignored my notification and continued with the funds transfer to the recipient without placing a hold or waiting for funds to clear ( which they didnt because I disputed It with my bank ). I never received any details or information from them regarding this transaction until recently when I opened a new account with their company. They froze the new account ( which is now closed ) and started sending me collection notices. I explained the circumstances to multiple agents ( 3 or 4 different names ) and that Ive never received these emails in the past. I promptly notified them on the date of the transaction and was not provided any additional details or information regarding further steps to stop the transaction in XXXX. As far as Im concerned, their issue needs to be addressed with the recipient as I do not owe them any money. Ive now requested on 4 or 5 different emails to cease communications with me and to add me to their Do Not Contact List, but they continue to ignore my requests. Their emails mention being able to opt out of further communications, but Im not able to complete the request because I no longer have an account opened with their company. Id like for their continuous harassment to stop and for them to quit transferring me to new agents ( Im assuming this is to avoid fines ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE MADE SEVERAL ATTEMPTS WITH XXXX TO REMOVE INQUIRIES THAT IS SHOWING ON MY CREDIT REPORT. THIS IS MESSING WITH MY MENTAL HEALTH AND HAVE ME STRESSED OUT UNTIL I HAVE TO TAKE MEDICATION DAILY. AND I AND TIRED OF CONSTANTLY CALLING XXXX TO REMOVE THESE HARD INQUIRIES. I HAVE ALSO CALLED XXXX AND THESE SAME INQUIRIES HAS ALREADY BEEN REMOVED FROM MY CREDIT REPORT. PER 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

HARD INQUIRY-XXXX XXXX XXXXXXXX DATE-XXXX THIS IS NOT MY INQUIRY NEEDS TO BE REMOVED HARD INQUIRYXXXX XXXX DATE- XX/XX/2022 THIS IS NOT MY INQUIRY NEEDS TO BE REMOVED HARD INQUIRY-XXXX XXXX XXXX DATE-XXXX THIS IS NOT MY INQUIRY NEEDS TO BE REMOVED
Product: Debt collection

Midland Credit Management and I agreed to pay {$760.00} for a XXXX XXXX debt. 

Midland prints checks to present to my bank for the payment. 

My bank notified Midland that their check was not being printed correctly. After XXXX payments and no response or change from Midland, my bank refused to accept their check. 

I contacted Midland and they reinstated the payment plan and corrected their check account number. Midland did not inform me that they were no longer agreeing to the original agreed upon debt amount. After making the final payment, Midland wants to collect {$480.00} more in debt payments.