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

I have already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$1800.00}
Product: Credit card or prepaid card

I did not request unemployment benefits from the state of Colorado. I received a pre-paid credit card from US Bank Reliacard in the mail XX/XX/2020. It doesn't even have my name written correctly but I was issued a card with instructions for activation. I did not set this up. When I call the Reliacard number I have been on hold for over an hour and still can't reach anyone. When I call back they have a pre-recorded message about wait times for over an hour. I have called the Colorado Labor and Employment office and have been on hold for over an hour. On their website they have a section to report false unemployment benefits but it asks for the violator 's specific information. I don't know who is trying to set up benefits in my name but I can't report on an unknown violator. There has even been a news article highlighting the fraud in these fake Reliacards. I feel frustrated that I can not talk to a human and resolve this issue that I did not initiate. I put fraud alerts on my account through the credit reporting agencies. One of the agencies, XXXX, said it could not set up an alert on my account at this time. It shouldn't be so difficult to cancel an account or make sure your identity isn't being stolen or used fraudulently.
Product: Credit card or prepaid card

I try to apply for a credit card with capital one they keep showing a message stating that they can't approve me. The last time I knew they sold a debt that has nothing to do with them anymore. If I am denied I will file a suit in small claims court for discrimination. 
In addition, XXXX XXXX waived the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ a bankruptcy was shared on to XXXX XXXX and XXXX. 

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

15 U.S.C 1681 section 604 A Section 2 it also states a consumer reporting agency may not furnish a account without my written instructions.
Product: Debt collection

Its not letting me Dispute the 4 Items on my credit report I dont no how they got there it wasnt me
Product: Credit reporting or other personal consumer reports

Equifax and XXXX XXXX are only companies Ive looked for information thus far. I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of these items as they are incorrect and do not effect my true credit score.
Product: Credit card or prepaid card

On XX/XX/2020 I called JP Morgan Chase to request a credit limit increase for my Chase Freedom Credit cars. The representative entered my request inform credit analyst will review within 10 business days. 

On XX/XX/2020 Application for credit limit increase was reviewed within a short amount of time ; however, I received a denial letter providing inaccurate/problematic reasons. My credit score is superb, yet denial letter listed the following reasons below : -Length of time since oldest credit card was opened is too short -Total available credit on credit cards is too low -Number of recent inquiries on credit bureau report -One or more Chase cards has low available credit *Notice that the date calculated shown on denial letter is XX/XX/2020 rather than XX/XX/2020. Another flaw to consider. 

XXXX I contacted Chase reconsideration line to review. The representative then put in an application. After 30 minutes of speaking with the representative ( with her filling out the application ), the call disconnected and I received no callback. I called the line again at XXXX and new representative informed that the application was entered, despite me knowing it was confirmed. After expressing my frustration the representative informed me the application for reconsideration was denied again this time with only one reason, which was completely different from what was listed in the denial letter for credit limit increase. The representative stated : We show your application was denied due to having multiple credit accounts open. 

This very well is a lack of incompetency in both customer service, financial integrity, and fair credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XXXX I've sent disputes to credit bureaus about the issue that my account was fraudulently used without my permission. I was so stressed over the months now I got a low credit score!. I need help to solve this issue.
Product: Checking or savings account

My phone was stolen and XXXX was fraudulently accessed. XXXX transactions were fraudulently made. XXXX for {$570.00} and XXXX for {$100.00}. I provided all details and offered to file a police report in the city of XXXX Il where I believed I lost my phone. Bank told me it was unnecessary and my claim would be honored. Unfortunately, after making me close my account and wait for new cards I was told my claim in fact would not be honored. Ive never stolen or filed a bank claim in my life. Very empty feeling realizing a bank I have banked with for years did not have my back. In the end, US Bank wouldnt even provide me details. I was just told that XXXX offers very little protection and that the transactions originated from my phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) was opened in my name on XX/XX/2020 & I am reporting Fraud. I never opened an account in XXXX XXXX, CA. Someone stole my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am informing you that Transunion is continuing to report fradugelent information after I have told them that these accounts DO NOT BELONG TO ME. This information is fraud, I have gave them the police report, identity theft report & requesting that they remove & block the accounts from XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX ( two accounts ), and XXXX. They also have names that don't belong to me on the report making it easy for any thief to access my information. The only name I have ever used is XXXX XXXX all other names should be deleted. I have never lived at any address other than my current address over 25 years. Please delete these inaccurate addresses that I have never lived at XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX . There are also inquries that do not belong to me as well. XXXX, XXXX XXXX, & XXXX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent account and inquiry listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

Per the fcra as a federally protected consumer I am now opting out of any and all authorization I the consumer may have giving you written, unwritten, verbal and non Verbal per 15 usc 6802
Product: Credit reporting, credit repair services, or other personal consumer reports

Me and my son went to do our oil change in the XXXX dealers, and we were invited to see the new cars without any process and we said that we only want to look and check the prices, and the manager give us the price but for us it was too high and that we were okay with the car that we bought from them and we dint give any personal and we dint gave permission to record our credit, we dint sign any documents either. Couple days later me and my son got a letter saying that where they said they declined the credit we ask by 3 difference companies ruin our good credit score. we never ask to refinance any car only to look at the cars, were we feel they stole from us running our credit without permission and take out our information from our previous car we buy from them. we went to talk with the manager and he told us he was gon na fix it by certain day, that day has past and nothing have been fix. We try to fix it our self by calling the 3 companies, but each time we call they send us directly to their website and in their website tell us to contact by phone and repeating the same process. that 's why we are making this complaint cause the XXXX or the 3 companies are not fixing until today. i hope I 'm being attend as soon as possible. Thank You
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent Transunion a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over XXXX  days and they have yet to correct this issue
Product: Money transfer, virtual currency, or money service

Misleading information on who the recipient of my money would be going to
Product: Credit reporting, credit repair services, or other personal consumer reports

I Had Noticed the Hard Inquiries that I had never authorized to Pull from creditors. 
Someone stole my information and used them XXXX 1. XXXX  XXXX  XX/XX/XXXX 2. XXXX/XXXX XXXX XXXX XX/XX/XXXX, 3.XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XXXX XXXX XX/XX/XXXX 6.XXXX   XX/XX/XXXX 7.XXXX/XXXX XXXX XXXX XX/XX/XXXX 8.XXXX XXXX   XX/XX/XXXX XXXX  1.XXXX/XXXX  XX/XX/XXXX XXXX   1.XXXX/XXXX  XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX at XXXX on XX/XX/XXXX inquiring about an extension on my loan so that I may be able to get the account current. I was informed that I must pay XXXX to be awarded an extension and my next payment of XXXX would be due XX/XX/XXXX. This would give me an extension for XX/XX/XXXX and XX/XX/XXXX payments and put my account current for XX/XX/XXXX. I was given confirmation # XXXX On XX/XX/XXXX XXXX XXXX XXXX XXXX was debited from my bank account to pay the required XXXX ( XXXX processing fee ) for the extension. 
XX/XX/XXXX XXXX XXXX Online payment was debited from my bank account XX/XX/XXXX XXXX XXXX Online payment was debited from my bank account My financial institution was bought out, so I am having trouble located the XX/XX/XXXX and XX/XX/XXXX payments. I can find this information if requested. 
My credit report shows me 60 days past due for XX/XX/XXXX and 30 days past due for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. According to the phone call and payments that I made these payments should be marked as on time.
Product: Checking or savings account

Hi CFPB, I am complaining regarding Paypal INC. Paypal put permanent limitation Reference ID : XXXX on my paypal account without sending any email asking for documents or any communication. My paypal was in good standing and there wasn't any illegal or fraudulent activity in my Paypal account. 

Just after 5 days of opening my paypal account and i received around {$120.00} in my paypal, they permanent limited my paypal account under Reference ID : XXXX and hold my money in my paypal and there is not any dispute or anything from my customers. 

Attached is the screenshot from Paypal account of Permanent Limitation Reference ID : XXXX. 

I want removal of permanent limitation from my Paypal account. Thanks! 

Regards, XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I don't understand how this company continues to operate this way and get away with it. I have been unable to make my monthly payments and pay off entire balance for XXXX months. They are intentionally preventing me from making any form of payment or access my account information or online account. they keep passing me on to call centers in XXXX that are unable to understand and/or instigate and play games to prevent access to my account information. It is unbelievable, causing me unnecessarry stress that is bad for me and just unethical. 

There is no way to reach a live person, supervisor, chat, anyone by email and they even refuse to address my XXXX complaint in a timely manner, dragging it with mailed letters with no response or insight of whether they're proving my account information and way to pay off my loan before the deadline, which now will be exceeded because they are not addressing this in enough time to get this paid in my preferred form of payment. They will only allow me to pay by phone using my checking account and that is not my method of payment. 

When I search online I find hundreds to thousands of similiar complaints, and many already fighting the penalties and deferred interest they added when the person was unable to make any kind of payment, just like what I'm experiencing for the past XXXX months. I also noticed a class action lawsuit for the same tactics, how is this bank in business and getting away with doing this to consumers? They won't even give me my loan or account number, as it's not on the statements, and they changed it when Dell Financial services sold our loans to them w/o any say or permission. 

I would appreciate anything your organization can do to get a supervisor who will get my loan and account number, or get on the phone and take my credit card # so i can pay this off and close out this account. 

And hopefully, seeing the hundreds of similiar complaints, someone will hold them accountable for their unethical business practices and tactics. 

Thank you, XXXX XXXX XXXX : XXXX
Product: Debt collection

Contacted the company on XX/XX/2019 to pay the full balance of {$510.00} which is the documented amount. I spoke which a woman name XXXX who told me a higher balance. She typed in the information through a automated system, and tried to process the higher amount. The system clearly stated that it could not process the balance she typed in because it was over the amount. She went through the process again, and put in the correct amount an as I was keying in my expiration date she disconnected the line. She was so stupid, because I could here her movement after she disconnected the call. I called back and the second XXXX didnt even attempt to assist me. She told me who I spoke too, and immediately transferred the called back to the woman XXXX. I asked her what the issue was and why was it taking so long to process the payment. She said she didnt know what the issues was, and I asked to speak to a supervisor. Before the woman transfer the call, once again like the complete incompetent XXXX that she is forgot to put me on mute and I could hear her laughing before transferring the call. I was transferred to the floor supervisor and explain to him what happened, and he started reading the script and when I told him the situation needs to be addressed he tells me that it doesnt matter the debt still has to be paid. I want to speak to his superior and I want my account removed from this agency. If they fail to comply I will file multiple complaints and seek legal action for negligence.
Product: Debt collection

I couple months ago I sent a certified mailing debt validation letter to CMRE. XXXX and they sent me back an itemized statement. A list of invoice numbers on a disputed debt does NOT provide enough information for a consumer to validate the debt. 

I want this fraudulent account taken off my credit report. I am a victim of identity theft! 

Also, the right to dispute inaccurate information is granted by federal law. 
I have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate and report it to the consumer. 
I have provided a copy from my credit report of the inaccuracies on my credit report from CMRE and its violating my rights.
Product: Credit card or prepaid card

So I paid for a service on XXXX, XXXX XXXX  XXXX am through chime. Minutes after I decided to cancel the service/appointment which I purchased for through the merchants website. So, basically I never received this service. Ive waited a couple of days expecting for the refund to hit my account but nothing ever came back to me. XXXX, XXXX XXXX than decided to open up a dispute with a great amount of evidence including receipts and conversations with the merchant. the date is now XXXX, XXXX XXXX chime still hasnt updated me on anything regarding my claim.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX I submitted a CFPB identity theft report that was came with a police report number. The affidavit was noterized and signed. Experian refuses to block all listed disputed information. Experian refuses to investigate and they wont follow the law by blocking the disputed accounts and information. Theres a credit reporting law you are violating. The law I have is attached. XXXX and XXXX has followed the law by blocking ficticious fraudulent reporting, This is why the CFPB is suing you. You refuse to investigate or even follow the law. I will soon have a court case against you!!! I dont need to send you a police report according to the law, but one is listed in the previous complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in Direct violation of the fair credit reporting act... account name XXXX.. 
Account number # XXXX ... Has violated several of my rights..

15 u.s.c 1681 section 602 A. Clearly states that i have the rights to privacy..

15 u.s.c 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions...

15 u.s.c 1666 B : A creditor may not treat a payment on a credit card account under open-end, consumer credit plan as late for any purpose... Remove these late payment and up date this account immediately as you in direct violation of several laws under the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

As per my previous correspondence, I would like to dispute the following collections accounts on my credit report : XXXX. XXXX XXXX - Account Opened : XXXX - Amount : {$210.00} XXXX. XXXX XXXX XXXX - Account Opened : XXXX - Amount : {$570.00} XXXX. XXXX XXXX XXXX XXXX - Account Opened : XXXX - Amount : {$860.00} XXXX. XXXX XXXX XXXX - Account Opened : XXXX - Amount : {$1100.00} XXXXXXXX XXXX XXXX XXXX - Account Opened : XXXX - Amount : {$2400.00} XXXX. XXXX XXXX XXXX - Account Opened : XXXX - Amount : {$3100.00} I have thoroughly reviewed my credit history and have found no evidence to suggest that these collections accounts belong to me. Despite my initial dispute, these accounts remain on my credit report, negatively impacting my credit profile. 

I kindly request that you conduct a thorough investigation into these accounts and provide me with a detailed explanation of the findings. It is essential that you verify the validity of these accounts and provide the necessary evidence to support their inclusion on my credit report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting the following actions be taken : XXXX. Please provide me with a written confirmation of the investigation conducted, including any supporting documents or evidence collected during the process. 

XXXX. If the investigations confirm that these accounts are indeed inaccurate or do not belong to me, I insist that you remove them from my credit report immediately. 

XXXX. I also request that you provide me with an updated and accurate copy of my credit report after the removal of these collections accounts. 

I understand the importance of maintaining accurate and fair credit reporting. It is imperative that
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint that the credit bureaus have ignored my previous request and failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they are publishing for me. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. Their response to my inaccuracies on my credit report have not been investigated only ignored by sending a copy of my credit report with no investigation results or updates. i am having issues updating wrong address and sadly something simple as wrong names of individuals on my report that as well.