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

Hi im asking for a One time courtesy for one late that hit my account as stated on the letter that i got XXXX  the same month i was hit with late on my account and i was never late with any of my accounts.
Product: Debt collection

-They are trying to get me to give them my social security number and other personal information. I want them to stop harassing by phone. 
- Also, I am concerned that they might have recorded me without my consent, which is a felony in my state.
Product: Checking or savings account

Contributor : XXXX XXXX XXXX XXXX  Contribution Ref # : XXXX XXXX Number XXXX XXXX Account Number : XXXX Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Phone : XXXX Phone : XXXX SSN/Tax ID # : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX ID Type : Driver 's License/USA ID State : XXXX  Incident Date : XX/XX/XXXX XXXX Loss : Contribution Reason : Checking Accoun. XXXX XXXX XXXX XXXXXXXX ID # : XXXX SSN/Tax ID # : Phone : XXXX Address : 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 Date of Birth : XX/XX/XXXX Bank Routing # : XXXX Account # : XXXX Incident Date : XX/XX/XXXX Principal Loss : {$250.00} Paid/UnPaid/Settled : Paid Fee Reversal : {$290.00} Debt Paid in Full Date : XX/XX/XXXX -Delete account [ Collection XXXX ] from my credit report, Delete account [ CollectionXXXX  ] from my credit report, because of multiple violations of the fair credit reporting act. | Delete account [ Collection XXXX XXXX from my credit report, Delete account [ Collection XXXX ] from my credit report, because of multiple violations of the fair credit reporting act. |
Product: Payday loan, title loan, or personal loan

My complaint is with Fortiva XXXX XXXX. XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX. This company has made unauthorized debits to my account that the monies have exceeded the amount balance. When this instance first happened, I contacted Fortiva in XX/XX/2022, and they stated that they would reverse the charges and send me a check and I should wait XXXX XXXX XXXX  days. I waited as they requested and noticed their statements did reflect a change in the account but I never received any of my funds. During the month of XXXX they charged my account again. When I advised the Representative of the company, ( The name he gave was XXXX. ), that I had not authorized these large payments nor did I receive the previous funds, I was told that I would have to send them my Bank Statements to prove that I had not received their check. My response to him was that his company should be able to verify that the funds had not been cleared from their bank. I further told him that having them to review my bank statements is an invasion of privacy and they have no right to make such a request. I have emailed them about this issue as recently as today since we are beyond the XXXX  day timeframe that was given, and that they now owe me a grand total of {$3400.00}. I have suffered major financial setbacks due to their irresponsible business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

After several online disputes with XXXX XXXX XXXX for validation of debt pursuant to 15 USC 1692g, and removal of outdated information pursuant to 15 U.S. Code 1681c, XXXX XXXX XXXX continues to report outdated, unverified information to Equifax. from 2014. See attached. Additionally, there is no verification or validation whatsoever that this account was included in a bankruptcy for which I have an additional complaint pending with the CFBP. 

I want XXXX XXXX XXXX to immediately and permanently delete this account from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was looking over my credit report and saw i had some inquiries on my report that wasn't mine I didnt give these company permission to run my credit. XXXX  XXXX XXXX on XXXX and XXXX XXXX  XXXX XXXX  on XXXX and XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX  on XXXX and XXXX  XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX on XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX .am a vitem of identity theft please delete these inquiries immediately
Product: Debt collection

I hve disputed an unknown debt by a XXXX XXXX XXXX. It was removed three seperate times, after disputing the account. And each time they reintroduce the debt anew and it keeps lowering my credit score, all while I'm desperately and slowly making efforts to increase my score. I am even currently partnered with state vocational rehabilitation and they are working with me in all ways to improve my credit so I can become self employed.
Product: Debt collection

Hunter Warfield Called me for the DEBT i owed for amount of XXXX $ which was opened on XX/XX/XXXX in my credit History. 
Over the call they explained that i owe this with XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX, MN XXXX. I had rented with them from XX/XX/XXXX till XX/XX/XXXX. I had successfully closed my lease with all dues pending. 
I asked Hunter Warfield to give details of amount i owed last month but never got response. I contacted XXXX XXXX  but the management has changed so they don't have any records. 
This amount is now there on my credit history and affecting the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

On date XX/XX/XXXX, I discovered ( XXXX XXXX XXXX/ XXXX XXXX XXXX with a account number according to my credit report begin with XXXX ) had been re-inserted into my credit file. Experian is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. I was requesting Experian to please delete this item immediately. 

I read alerts on XX/XX/XXXX dated XX/XX/XXXX an unathorized dispute was place for XXXX XXXX stating it will take 30 days to complete then another alert dated XX/XX/XXXX same a second alert stated update completed and upated XXXX XXXX verified then place on my credit report. How is this possible that a dispute was fruadulantly placed under my Experian credit report that I never filed for XXXX XXXX then XXXX XXXX to be reinserted after 3 years XXXX that was reported as ID theft. I believe Target company somehow placed a dispute on my credit report for there company that was never on Experian, XXXX, or XXXX credit report for the year of XXXX Target bank was not on XXXX XXXX, nor Experian my credit report in XXXX. A unauthorized dispute for XXXX XXXX credit was fraudulanlty made that I did not authorize Experian because it was never on my credit file in XXXX. I have copies of my credit file for every month and days in between and XX/XX/XXXX theres was no XXXX XXXX credit account on my file. I believe a representative from XXXX made a dispute in my name XX/XX/XXXX without my permission to reinsert their company on my credit. How did Experian accepted a dispute on XXXX XXXX or on any company that was not on my credit file?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted an investigation request to Experian and XXXX XXXX. They are supposed to respond with the results within 30 days, but they have not.
Product: Debt collection

I am writing to express my extreme dissatisfaction and frustration regarding the fraudulent accounts that have appeared on my credit report. It has come to my attention that there are discrepancies in my credit history, which are entirely erroneous and damaging to my financial reputation. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing this complaint against the credit bureaus for failing to resolve multiple disputes regarding the XXXX account, which continues to report significant inaccuracies on my credit report. 

Details of the Issue : Repeated Disputes : I have disputed the XXXX account multiple times due to the ongoing inaccuracies in its reporting. Despite my efforts, the account remains on my credit report with no resolution. 

Inaccurate Reporting : The account is reporting the wrong status and payment history, which is damaging my credit. Additionally, it was sold to another party, but they have failed to validate the debt, further complicating the situation. 

Account Status : Given that the account was sold and can not be validated, it should be marked as paid or removed entirely from my credit report.

Relief Sought : Immediate Deletion of the Account : I demand that the XXXX account be deleted from my credit report as it is reporting numerous inaccuracies and can not be validated. 

Compensation : I also seek compensation for the multiple disputes and the ongoing harm caused by the inaccuracies in reporting. 

Thank you for your attention to this matter. I expect swift action to resolve this issue.
Product: Checking or savings account

Issue is with Chime Bank I had not used account for sometime and it was suspended. I decided I was going to use it again. In order to reinstate the account I had to provide them proof of ownership. No big deal, all good for security. 

Red Flag XXXX It was discovered when someone had changed my email address on the account. I had to go through enhanced procedures ( uploading ID, etc. ) to prove to Chime I was me. Again, all good - I jumped through hoops. 

Red Flag XXXX Upon getting access again to the account, I discovered there were XXXX fraudulent transactions on my account from a few months ago. They were small amounts, but concerning for security of the account. I requested for Chime to change my account numbers and/or give me a new account for safety and precaution - clearly someone had unauthorized access to my account and had changed my email and also worked with the account. 

Red Flag XXXX - new cards had been sent out to me and I never received these cards. 

Despite these issues, Chime refused to get me a new account. They told me I couldn't have multiple accounts ( this is not what I was asking for ). Additionally, I shouldn't be worried about the cards send since " they hadn't been activated ''. 

Based on this unacceptable response, I just decided to close the account for good and take my business elsewhere. 

Why I'm filing complaint - In that closing I was very clear multiple times to not send me the funds in the account since they were fraud and not mine. Chime has refused to interact and just today sent message they are cutting a check to me. I have chosen to escalate at this point because I don't want anything to do with the fraud funds regardless of the amount. If the funds are fraud they should not be under any implication to send me funds.
Product: Money transfer, virtual currency, or money service

my paypal email is XXXX my account is restricted i am a XXXX and XXXX XXXX i am a XXXX XXXX XXXX XXXX XXXX  and i have received many payments from XXXX but after i got a client from XXXX and i got also from XXXX as i am a XXXX too..i just got a client for approval of adsense that is a digital marketing work worth of XXXX $ but after that all details i have provided through your call support i only upload my ids and it match with my account my why my account is permanently limited ....?? I didn't do any illegal things as you can see my transaction... if you need proof then i can send you, my XXXX link here XXXX XXXX XXXX XXXX and i have XXXX channel also XXXX XXXX XXXX
Product: Vehicle loan or lease

I was given an auto loan through Wells Fargo and allegedly theres a class action lawsuit throughout the time period that I was given the loan. Im wanting to know if I qualify for a piece of the settlement.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, XXXX : # XXXX ORIGINAL CREDITOR : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that are mark as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hi. These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted TransUnion and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Product: Credit reporting or other personal consumer reports

Hello I'm submitting this complaint because I've tried to resolved this with XXXX but was unsuccessful. I am a surviver of XXXX XXXX
Product: Credit reporting or other personal consumer reports

Re : Urgent Third Complaint Against NCB Management Services Request for Immediate Deletion of Inaccurate Debt I am writing to file my third complaint against NCB Management Services regarding an inaccurately reported debt entry on XXXX credit report. Despite my previous complaints and the CFPBs involvement, the inaccuracies remain unresolved. I am requesting the immediate deletion of this erroneous entry. 

Backgroundd of Previous Complaints : Initial Complaint ( XXXX XXXX. XXXX ) : Date Filed : XX/XX/XXXX Issue : Auto debt and written notification about the debt Status : Closed, company responded Details : Requested verification of the debt ; however, the details provided were inaccurate. 
Second Complaint ( XXXX XXXX. XXXX ) : Date Filed : XX/XX/XXXX Issue : Credit reporting and improper use of report Status : Closed, company responded Details : Highlighted that the verified debt was inaccurate, showing improper use of my credit report. 
Current Issue : Despite the CFPBs intervention and my previous complaints, NCB Management Services has failed to correct the inaccuracies. This violation contravenes the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which ensures consumers ' right to dispute and correct incorrect information on their credit reports. 

Evidence of Inaccuracies : Account Type Discrepancies : XXXX : Listed as an " Open Account. '' XXXX : Listed as a " XXXX XXXX. '' XXXX : Listed as an " XXXX Account. '' Under 15 U.S.C. 1681e ( b ), furnishers must provide accurate information. The differing account types reported by each bureau signal potential inaccuracies that need thorough investigation. 
Frequency of Updates : XXXX : Updated monthly. 
XXXX : Reporting collections monthly since XX/XX/XXXX. 
XXXX : No updates for the past XXXX years. 
According to 15 U.S.C. 1681i, outdated or inconsistent reporting suggests inaccuracies. The irregular update frequency further implies that the reported information may be incorrect.

Request for Immediate Deletion : DDue to the ongoing inaccuracies and violations of FCRA provisions, I respectfully request the immediate removal of this inaccurate debt entry from my credit report. The continued presence of this erroneous information constitutes a violation of the FCRA 's accuracy and completeness requirements. 

Supporting Documentation : Enclosed are copies of all relevant documentation, including prior complaint correspondence and evidence demonstratingg the inaccuracies. 

Conclusion : I urge the CFPB to take urgent action to ensure NCB Management Services promptly removes this incorrect entry from my credit report. Your immediate attention to this matter is crucial, and I look forward to a swift resolution. 

Thanks you for your urgent attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the accounts and inquiries listed below from my credit report. As a victim of a data breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which require the removal of fraudulent or unauthorized items from a consumer 's credit file. 
Affected Accounts : XXXX  - XXXX - XX/XX/XXXX - {$4900.00} XXXX - XXXX - XX/XX/XXXX - {$250.00} XXXX  - XXXX - XX/XX/XXXX - {$4800.00} XXXX - XXXX - XX/XX/XXXX - {$3800.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$460.00} XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$130.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} Inquiries : XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

BAMK OF AMERICA VIOLATION OF THE FCRA .. ( BANK OF AMERICA ) & ( XXXX XXXX IS REPORTING UNAUTHORIZED CREDIT INQUIRY ON MY XXXX  CONSUMER CREDIT FILE.... TITLED... ( BK OF AMERICA XX/XX/year> )... IS.. IDENTITY THEFT NOT AUTHORIZED BREACH FRAUD .... BANK OF AMERICA AND XXXX FAILED TO REMOVE THE UNAUTHORIZED ( BK OF AMERICA XX/XX/year> ) INQUIRY INFORMATION.SINCE ( XX/XX/year> CREDIT ALERTS REPORTS HACKERS MASSIVE XXXX CREDIT DATA BREACH EXPOSED CONSUMER FINANCIAL INFORMATION )
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that XXXX XXXX Account XXXX XXXX had late payments on an account that i was never late for.The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy.I have never been late on payments for the account that i have included in the screenshot inside this complaint in on the date of XX/XX/scrub>XXXX And XXXXPlease investigate and provide proof with statement showing that this payment was late.If proof can't be provided I demand this payment be updated to paid as agreed on time as they should be due to the fact i was never late.Thanks! Please see screenshot attached :
Product: Student loan

Edfinancial has been reversing payment on loans that are being paid on time, resulting in more interest on said loans. Edfinancial claims it is a problem with my bank when all information is correct and amount in account is more then enough to cover the loan that is being paid on time. Company is useless in terms of contacting and trying to deal with the problem.
Product: Debt collection

We were scammed by a contracting company in XX/XX/XXXX for services not received and unsafe/poor workmanship ( XXXX XXXX ). They financed through their lending partner, Aqua Finance. We were never provided a contract stating terms, APR, loan term. We signed nothing with them. They claim the contractors contract with us was also a binding loan contract with them yet nothing is mentioned in that contract regarding a loan or terms of any sort and this was not stated to us by XXXX XXXX  which we would not have accepted. Also, only I signed the contractors contract, not my husband. Aqua Finance also placed a lien on our home which we found out on our own and the only reason we continue making payments. We purchased this home XX/XX/XXXX. We were conned by XXXX XXXX for the incomplete work and our loan was for {$34000.00}. We have made 25 payments to Aqua Finance, and to date, our bill is still {$34000.00}. Monthly payments are {$380.00}. Out of over {$9600.00} we've paid Aqua Finance, only {$270.00} has been applied to our loan. We've learned this is a 9 year loan@ XXXX XXXX daily compounded interest which was told to us verbally by Aqua Finance... again, nothing in writing. 
In XXXX of this year, my husband and I both contracted XXXX placing me in the hospital with a XXXX XXXX and him out of work for 4 months with no income other than social security. We paid for the month of XXXX and XXXX and explained to Aqua Finance we are working to catch up on ALL bills once my husband returns to work on XX/XX/XXXX. I've explained this twice to Aqua Finance and they rudely stated they have no record of my calls and now want proof of hardship and have threatened to foreclose on our home. I've tried reaching XXXX XXXX, the account manager, since mid XXXX and shes yet to return my calls or respond to emails. I want to make a settlement agreement as I believe we have paid well beyond the incompetent project supplied by XXXX XXXX ( the contractor ) and that XXXX XXXX should return the remaining amount of this loan to Aqua Finance. I also do not believe this to be a binding contract as we've signed nothing with loan terms and nothing with Aqua Finance. The contract with XXXX XXXX  is also invalid as we both did not sign nor did they live up to their contractual agreement. We would also like to know where all of the 25 payments @ {$380.00} have gone since only {$270.00} has been applied to this loan. We are seeking your assistance in removing the remaining balance of this loan to Aqua Finance as we do not see how this can be a valid loan, and also, they are reaping our payments unlawfully, threatening to take our home, harassing us during a time of hardship and illnesses, and just plain scamming us for money we should not owe them. Over {$9000.00} unaccounted for to them. They should be in jail and put out of business. Thank you so much for your time and efforts in assisting us to resolve this nightmare.
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. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  {$150.00}
Product: Credit card

Chase is current reporting an account on my credit report as a charged-off account. However this charge-off account is also illicitly being reporting with a past due balance, and showing that its an active account. In doing so Chase is illicitly harming my credit more than legally permissible. I have brought this issue up with Chase through the credit bureaus but to no avail.
Product: Debt collection

Rent recovery is breaking the law by reporting false and malicious data on my credit report and have told me they work for the government and I have to pay this bogus collection or go to jail. 

I Would like an investigation so rent recovery can be charged for false, malicious, and continue to, on going false reporting of the collection entry by save green storage on my credit report. 

Please open a criminal investigation and you will see the evidence on the attached documents. 

I will continue to dispute and ultimately see are going to sue rent recovery, a known company for deceptive practices and the evidence is amounting.
Product: Debt collection

the law states clearly that no medical bill should be reported on any credit report under {$500.00} please delete on all XXXX of my reports
Product: Money transfer, virtual currency, or money service

Someone sent a XXXX payment that was not authorized.