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

I talked with several creditors and most gave me the run around and a couple, a couple of creditors actually said that they're sorry and that they will remove the inquiries and reach out to the bureaus to remove the inquires off of my credit report other creditors are telling me that they don't see anything about me or about my name being used to apply for credit with them but yet these inquires are on my credit report. some creditors are telling me to call the credit bureaus and i told them the credit bureaus are telling me to call the creditors now I'm calling the credit bureaus for a second time and telling them what the creditor are telling me now he credit bureaus are telling me that they cant remove the inquires to call the federal trade commission agency and i called them to tell them what the creditors and the credit bureaus said and the credit bureaus told me they cant remove inquires to call the federal commission agency so I called and they're telling me to call CFPB and now here I am typing this letter on this website, this should no be this difficult, its so easy for some reason for people to breach other people credit and credit reports but so hard for the people who are breached to get their credit and life back and very little to protect us i know some organizations helps us but other play the role but still get a check. I just need some help or do i need a lawyer or what??? this is exhausting. 

XXXX  XXXX XXXX date of inquiry XX/XX/2022 XXXX, no action taking they told me they don't see me in their system by name nor by SS # and told me to call the credit bureaus. 

XXXXXXXX XXXX  XXXX date of inquiry XX/XX/2022 XXXX, no action taken, the phone system told me I'm in line and my wait time is XXXX the XXXX past and they called back but I'm still on hold for an additional XXXX and still counting while I'm typing this note. 

XXXX XXXX date of inquiry XX/XX/2022 XXXX, XXXX. action taken they were helpful and kind but still check on my status please. 

XXXX XXXX Date of inquiry XX/XX/2022 XXXX, Action taken they were nice and helping and said they will reach out to the credit bureau XXXXL date of inquiry XX/XX/2022 XXXX, Action taken they were nice and helpful and also said that they will remove the inquiry. 

XXXX Date of inquiry XX/XX/2022 XXXX, Action taken they said they will look into the matter that is not enough information for me.
Product: Credit card

Our Chase Visa was used without our permission. 

On XX/XX/2024, XXXXXXXX XXXX XXXXXXXX charged our credit card {$8200.00}. XXXX is a XXXX XXXX where my wife 's parents live. The rent is their responsibility and the account is in their name. We never authorized our credit card to be used for this purpose. 

When we saw the incorrect charge on our statement, we contacted both Chase Bank and XXXX. XXXX acknowledged the error and asked us to dispute the charge with XXXX. XXXX temporarily reversed the charge, but then rebilled us later on our XXXX statement, claiming that XXXX was now claiming it was a legitimate charge. 

The Resident Detail ledger shows that on XX/XX/XXXX, the disputed charges were reversed, and on XX/XX/XXXX, XXXX XXXX paid the account in full by ACH. With the rebilling of the bad charge, XXXX has now been paid twice for the same rent. 

To summarize, 1 ) this charge was never authorized and 2 ) when initially reversed, payment was made in full by the correct person, XXXX XXXX. 

Nevertheless, Chase Bank now tells us that their rebilling is final and it is too late to appeal. XXXX and/or XXXX have stolen {$8200.00} from us.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received an text message to my cell phone stating that I may be qualified for a trade-in through ( XXXX XXXX XXXX Sales XXXX it gave me an option to do prequalification to see what I may qualify for in the trading process when I did so I was offered {$23000.00} for my prequalification amount and I spoke with a representative the next morning and she did a hard inquiry without my consents I stated to her that I would like to speak with the billing department so I can understand the terms and conditions she said she would call me back with the info next thing I know I received a hard inquiry on my credit report less than 24 hours without anyone calling me back I spoke with the supervisor she stated that she could give me email to the credit bureau agency so they can dispute the process the information she gave me was invalid I was not able to get in contact with anyone My whole concern is false advertising on their website stating that its a pre-qualification when they intentionally using your information and pushing it through as a hard inquiry before you even speaks with finances about your trading process thats completely illegal and against the law and I want this removed off my credit report immediately and they continue to send me text messages about me trading my car in which now at this point is a Nuisance!
Product: Debt collection

In XX/XX/XXXX, First Tennessee Bank charged off my second mortgage. I contacted them to make payments of {$400.00}. I made payments for 5 years with them stating it was being applied to my principal. Recently, I was unable to continue making the {$400.00} payment due to financial hardship. First Tennessee contacted me earlier this year to begin making payments. I offered {$200.00} a month. The lady on the phone stated it would n't be enough to cover principal and the accruing interest. She told me in order for the phone calls to stop I had to make the original payment of {$770.00} to include the interest. This does n't make sense to me because in order to charge a consumer interest should n't I receive regular monthly statements according to the Truth in Lending Act? That is the number one reason charge off accounts are n't charged interest because there are laws that apply. Also, in reviewing my original documents, there is no where that speaks to charging interest after the loan is in default. I do n't understand why i 'm being charged interest on an account that is no longer on the company 's records as an active account. To make matters even more complicated the last time the account was reported to the credit bureau was XX/XX/XXXX with a balance due of {$100000.00}. They are n't even reporting to the credit bureau the increased amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$290.00} ; XXXX XXXX XXXXXXXX Balance : {$660.00} ; XXXXXXXX XXXX XXXX Balance : {$660.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$710.00}
Product: Debt collection

15 U.S. Code $ 1681c-2 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, not later than four business days after the receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! 
Names : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Acceptance Corporation 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 XXXXXXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!! Under, 15 U.S Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the credit bureaus on the XX/XX/XXXX XXXXrequesting them to do on investigation on the account below As [ FRAUD According to the FRCA The term Investigative consumer report means a consumer a consumer report or portion thereof in which in formation on a consumers character, general reputation, personal characteristics or mode of living obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate.

And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies XXXX # XXXX Date last active is [ inaccurate Open date on account is [ inaccurate Date of last payment [ inaccurate Comment [ inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that XXXX XXXX XXXX is a loan broker, that three years ago I acquired a loan from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is a broker only, and when the loan went into default, the principal owner known as XXXX XXXX XXXX - XXXX sold all rights to the debt to XXXX XXXX, XXXX. This loan was used for completion of a real estate project only, with a partnership that did not work out financially. XXXX XXXX XXXX exercised its right to protect its investment through legal channels, and through my legal representative the debt was settled for a cashiers check of {$12000.00}. My position is quite firm, when the original debt was sold from XXXX XXXX XXXX XXXX  to XXXX XXXX, XXXX XXXX XXXX XXXX lost all of its rights to maintain a credit rating position with all pertinent credit bureaus, Experian, XXXX  and XXXX XXXX respectively through a XXXX Supreme Court decision XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX transfers VOIDS all rights under the Fair Debt Collection Practices Act, which disconnects all rights to maintain the credit payment history or the content of its history with the Fair Credit Reporting Act. Accordingly, XXXX XXXX XXXX must delete my entire file and purge its content permanently. My rights are in violation at this time and from my research the XXXX XXXX XXXX XXXX has a right to intercede. Therefore, this reference on my personal credit report must be deleted immediately and permanently. I have referred my complaint to all credit bureaus to advise them that XXXX XXXX XXXX is in violation of their subscriber agreement with all credit bureaus, and should be sanctioned by the Consumer Financial Protection Bureau for this serious offense. XXXX XXXX XXXX must delete and purge my file with all pertinent credit bureaus, period. 
XXXX XXXX
Product: Student loan

I was signed up for automatic payment - I submitted this paperwork well in advance of loan payment restart in XXXX. They apparently did not process my automatic payment ( though I received documentation that my auto payment should have started by XX/XX/10 ) so I was told it was late. I paid the loan the day I received notification ( but not before XX/XX/10 because I was told automatic payments should start ). My automatic payment on XX/XX/10 came out with no issues. I have now logged into my loan account to make sure that there would be no issues with my XXXX payment to see that I have been put into a forbearance. I did not request a forbearance. I did not get any notification my loan would be put into a forbearance. I have received no communication from Mohela about this whatsoever and do not know why this happened. I now have 2 payments ( XXXX and XXXX ) that will not be counting towards my PSLF. This is ABSOLUTELY RIDICULOUS.
Product: Checking or savings account

OnXX/XX/2019, I received an email from Chase confirming an address change made on an account. I do not have active accounts with Chase and have not for almost a decade. I was suspicious and contacted their Customer Service, who advised me to forward the suspicious email to XXXX. I did so, and on the same date I froze all of my credit reports. On XX/XX/2019, I received another email, welcoming me to my new Chase savings account. I forwarded this email as well to XXXX, although I had not received a response to my previous email. On the same date, I contacted Chase customer service and, after multiple transfers, was able to speak with someone in the Fraud department who advised the account was opened fraudulently online using my information, and that the account had been deactivated. On XX/XX/2019, I received another email associated with the savings account, which suggested to me that the account was not deactivated after all. The next day I contacted the Fraud department at Chase again. The representative reiterated that the account was deactivated, but could not verify the email that was sent, and would not provide further details "for the security of the account." I do not believe that Chase has deactivated this account, and throughout I have been frustrated by their unwillingness to take seriously this fraudulent activity. I understand from my conversations with Chase that the account was opened online, and the representative on XX/XX/XXXX advised to me that it is relatively easy to open a savings account online with little verification. At best, Chase is willfully negligent regarding fraudulent account openings; at worst, this is akin to the XXXX XXXX   scheme where accounts are purposefully opened by the company. I have received no response from the Abuse team to which my concerns were directed, and all of my calls to Chase have been unsatisfactory and/or inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN XX/XX/2018 I DISPUTE SOME INCORRECT ADDRESS ON MY CREDIT REPORT WITH EQUIFAX AND THEY DELETE THE INCORRECT ADDRESS AND SEND ME A EMAILS THAT THE INCORRECT ADDRESS HAS BEEN REMOVE FROM MY CREDIT FILE AND NOW XX/XX/2018 AND THE INCORRECT ADDRESS REAPPEAR ON MY CREDIT FILE, I ASK THEM TO REMOVE THEM AND THEY REFUSE TO WITHOUT AND EXPLANATION. CAN YOU INVESTIGATE THE MATTER FOR ME AND HAVE THEM REREMOVE THEY INACCURATE ADDRESS FROM MY FILE.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XXXXXX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 consist of incorrect personal information, collection account with XXXX  XXXX, closed credit card accounts with XXXX XXXX XXXX XXXX  and XXXX XXXX, and an auto loan account with XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

This step is considered a charge off however this is actually considered income because I should have received a 1099C in order to account for this as income. This is not a charge off. I am requesting that this is removed because it is not a depth. This is considered income and income should not be reported on a credit report upon looking on my credit report. I see that this vehicle was charged off in XXXX and I have never received a 1099C from this company. This lease was paid in full. The charges that are trying to attach to my report is after the fact charges, this vehicle was sold at the auction.
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete for Violation 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

6. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT
Product: Payday loan, title loan, personal loan, or advance loan

I was paying my loan with Avant off completely and called them to report this before the XXXX of XXXX, I called and requested a 10 day payout number they provided this to me I called my other bank that was paying it and gave them the number avant provided. My other bank said okay call them let them know you will be sending them the check now. I called avant back and informed them I would be sending them the full amount of the loan and not to debit my account they agreed and said they would note the account. And provided me with the address and what details I would need to include on the check. I sent the check on the XXXX once I received it, i called and informed them the check was on its way. Days later I noticed they tried to debit my account I called avant back and told them again why are you trying to charge me when I informed you the final amount is on its way to you the lady apologized and assured it wouldnt happen again. Again days later it happened so again I called them and same XXXX over again. Fast forward past that I received an email that they received the payment but I still owed XXXX $ I called avant and requested a summary of every payment and every transaction from Day one. I asked why is my account still open stating I owe money the rep told me because I did not schedule a payout I said Im sorry what, I did schedule the payout how the XXXX else would I have gotten the number to send you. And she repeated her self saying I did not schedule the payout. I requested a manager he got on the line and I explained everything I Am Telling you to him he said the same I did not schedule the payout. I did I spoke with them several times because I am a freak when it comes to my credit. I have never been late I have never had an issue. I informed them well before payment was due. The manager told me there is nothing he can do. My account is open building interest on something I paid off and do not deserve. I had a whole other bank pay it in that case I would have never done it. This is unfair and not ethical at all I paid them exactly what they told me to pay I did exactly what they told me to do this is not right.
Product: Debt collection

Fraudulent debt collection on my report. Never lived in Texas or rented an apartment in Texas. Ive worked and lived in XXXX XXXX Missouri since 2014 and in the state of Missouri my whole life. Disputed account and tried reaching out to collectors and all numbers linked to company was disconnected. No contact could be made about fraudulent account and debt.
Product: Credit reporting or other personal consumer reports

I have notified XXXX multiple times of these unauthorized inquiries, and they still remain on my report. XXXX refuses to comply with the XXXX and remove these UNAUTHORIZED inquiries on my report. PLEASE SEE ATTACHED!!!
Product: Money transfer, virtual currency, or money service

I got in contact with an ad on XXXX with a girl looking for a friend and a relationship, we changed phone numbers on XXXX. She told me I teach how to make money in Cryptocurrency step by step through downloading and opening an account on a XXXX XXXX, Coinbase. I started to follow her texting and advice and screenshots of every step I do and sent it and sent me back the instructions. She asked me to put in as much money as possible to get a great income by swapping cryptocurrency. I shared my screenshots RQ code without paying attention she will scam me and compromised my wallet. she keeps asking me to put more money in my wallet and screenshots to her. when I stopped to do. she interrupted the contact with me, and after that, every transaction I do in my XXXX XXXX will disappear. I contacted Coinbase support in many chats they said all your transactions went through with success but they don't help me to find out who's the receiver. 
Scammer Name : XXXX, Phone Number : XXXX XXXX XXXX Second Phone Number : XXXX There are pictures we shared on XXXX and videos. 

My Wallet ID : XXXX and there are transaction hash numbers, dates, and times. Everything in the transaction history in XXXX XXXX.
Product: Debt collection

I am receiving letters and telephone calls of harassment, profane, abusive and vituperative language from MRS BPO , LLC in regards to a debt thats the result of identity theft. MRS BPO , LLC is in violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law.
Product: Credit card or prepaid card

Last month, I filed a dispute with Care Credit, under XXXX XXXX due to my being charged for services I did not receive, fraudulent advertising, as well as the advisement of my primary care physician informing me that engaging in treatment would work against my health. Care Credit/XXXX XXXX did not conduct a complete investigation into my complaint. I was told over the phone and per their own policy, I can not be charged for services I never received - per the company 's own policy " Serve not rendered ; a " no refund '' policy where not services/products were rendered is not an acceptable reason not to process a client refund. However, when I received the determination of my dispute, Care Credit/XXXX XXXX went against it 's own policy. The credit agency 's dispute system is not a valid one - which goes against what the company promised me ; resulting in my good faith to engage in an agreement with Care Credit/XXXX XXXX.
Product: Debt collection

have the whole converstation recorded threathned me said its my debt when told him no he said yes wont remove not even my signature or address and wont remove or send proof of debt then he said hes going to put me in XXXX