23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Account name-jefferson capital system Account type-debt buye Date XXXX Status- {$950.00} is due Originally cmditor-XXXX XXXX  I called and disputed it twice and got denied, was told to file police report for record of identity theft.
Product: Debt collection

i paid the debt collector company in full but the collection still in my credit report
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian failed to do a proper investigation. I asked Experian to update the inaccurate and or incomplete information on my credit report they ate still reporting inaccurate and incomplete information on my credit report which is hurting my ability to get lines of credit. I will provide documentation that I sent last month and you will see nothing was done, the inaccurate accounts are still reporting. Experian must do a Reinvestigation of these accounts that will be mentioned in my documents listed below.
Product: Vehicle loan or lease

Prior to the lease end, on or around XX/XX/XXXX I completed an online form indicating that I wanted to buy out the vehicle, and I also called Ally customer service to ask for instructions. I was told I would have 10 business day grace period to complete the transaction, and to mail a certified check to the address provided, so I had my father in law send one. He sent it certified mail and it was delivered to Ally on Saturday XX/XX/XXXX. An entire week went by without any communication from Ally, so I called Ally customer service on or around XX/XX/XXXX, at which time I was informed that the check was returned because it didn't have my name on it. Ally informed me they consider this to be a " third party buyout ''. At no time was it ever made clear to me, either on the online form on Ally 's website, or during multiple conversations with Ally customer service ( prior to sending the certified check ) that Ally doesn't accept " third party buyout ''. So now, Ally is claiming that they can charge me a per diem charge for every day past the date on my lease ( XX/XX/XXXX ), even though I was told by Ally customer service that I had a 10 business day grace period. I returned the vehicle on XX/XX/XXXX, with about XXXX miles UNDER the maximum allowed mileage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has reported XXXX chapter XXXX bankruptcies on my credit report that are not mine. These bankruptcies were both filed in XXXX GA I have never lived in XXXX GA nor have I filed XXXX XXXX bankruptcy Equifax claims this was reported to them by XXXX XXXX I have spoken to a representative from XXXX XXXX and she confirmed that XXXX XXXX has no record of these bankruptcies These bankruptcies first showed on my Equifax Credit Report in XXXX of XXXX but the dates of filing and discharge are XXXX and XXXX so why is this fraudulent information showing on my Equifax credit report in XXXX any assistance in resolving this issue will be appreciated
Product: Vehicle loan or lease

On XX/XX/2016 I went in to XXXX XXXX XXXX in XXXX, Indiana. I went to look at lease end options, and was considering switching to a used XXXX XXXX. I was given an option to upgrade my lease, and get a XXXX   XXXX with features I wanted for XXXX/m. I was told GM had a special they where running, and they would pay the last five payments. I was also told that the milage I was over would possibly be forgiven, and I would need to call and speak to GM Financial. I asked how soon I would be able to speak to them, and the sales agent said he would provide me the number. Then it turned into I would need to wait until I got the bill in the mail. I took the car home for the weekend while they figured out the financing. I then went back and signed everything thinking everything was fine, and had to go back again to the dealer a second time because they didn't do the deal right. A year later I received a bill for the lease I traded for the new lease. I reached out to the sales person and was told they sent payment. I reached to gm financial and they said they did not. I have been working with the dealer to try to correct, but have been unsuccessful and been given the run around. I also filed an official complaint with GM Financial, and was not even called back about the situation. Spoke to sales manager in XX/XX/XXXX no luck, and spoke to General Manger last month and no call back. Some where someone dropped the ball, and they are not wanting to take honorship. I feel there is something that needs to be addressed, and even requested a copy of the deal but was told it was too long ago to possibly find. This is reported to my credit report and has been affecting it for over a year.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint with complete certainty and growing frustration. My credit report contains numerous errors that I can no longer overlook, as they are having a profoundly negative impact on my life and credit score. These inaccuracies are obstructing my ability to achieve financial freedom and stability, which is deeply disheartening.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} ; XXXX  XXXX  XXXX Original creditor : XXXX  XXXX  XXXX XXXX Balance : {$2400.00} ; XXXX XXXX  XXXX Original creditor : XXXX XXXX  XXXX XXXX Balance : {$2000.00} ; XXXX XXXX  Inquired on XX/XX/2022 XXXX
Product: Money transfer, virtual currency, or money service

My direct deposit from my employer is lost/ stolen. I was expected to be paid by my employer on XX/XX/2021. 
I never received my direct deposit. 
I reached out to my employer and the pay roll manger, and they have provided documentation, and confirmed that my funds have been initiated. After speaking to many different chime employees and even the supervisor, they have all stated that funds were never initiated by my employer.
Product: Credit reporting, credit repair services, 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 ( Original Creditor : XXXX XXXX ) : Account number XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account number # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) : Account number XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account NumbeXXXX XXXX XXXXXXXX has violated my rights. 

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 can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Bank account or service

I have an online bank account with XXXX, I use this for my high yield savings account. I also have an account with Chase Bank. My husband and I were in the process of buying a house & needed transfer XXXX to the Chase account so we could initiate a wire transfer. When I attempted to do this, I found that Chase would not accept the money because they needed to " verify that I had funds in the external account ''. Soon after this a block was put on my account & I could n't access my account online. I was told I had to go into to a branch to verify my identity. After I did this, I was assured this would n't happen again, but it did. I had been looking for a motorcycle & found XXXX! All I needed to do was transfer the money to chase so I could get a money order. Well, Chase once again apparently thought I was trying to commit fraud & put a hold on my account! I was told again that I have to go into a branch to verify my identity, ( I was just in a branch earlier same morning ). Meanwhile, nobody will tell me why my account has been blocked! They just treat me like I 'm a criminal & tell me I need to go into a branch to verify my identity! My dream motorcycle may be sold to someone else simply because Chase wo n't accept a transfer! It 's as if Chase does n't like what I 'm doing with my money! It 's my XXXX money! Why am I being treated like a criminal for simply attempting to transfer money TO my Chase account?! I will be closing this account ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the 3 credit reporting agencies to attempt to fix the problem and i have also asked them to investigate each, send me results of the investigation and remove inquiries I did not authorize. Below is the list of the inquiries, the date it shows on the bureau and the credit reporting agency that reported it without my written consent in accordance with USC 15 1681. 

XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX XXXXXXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXXXXXX XXXX XXXX  XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX  XXXX XXXX XXXX  Mortgage Reporters XX/XX/XXXX XXXX  XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX Banks XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX  Mortgage XXXX XX/XX/XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  Credit Bureaus/Mortgage Processing XX/XX/XXXX TransUnion XXXX XXXX  Credit Bureaus/Mortgage Processing XX/XX/XXXX TransUnion XXXX  XXXX  Mortgage XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX Mortgage XXXX XXXX Finance XX/XX/XXXX TransUnion XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  Credit Bureaus/Mortgage Processing XX/XX/XXXX TransUnion XXXX Credit Cards Issued by Finance Companies XX/XX/XXXX TransUnion XXXX XXXX  Credit Bureaus/Mortgage Processing XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Mortgage XXXX XXXX XXXXt XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX  Credit Bureaus/Mortgage XXXX XX/XX/XXXX TransUnion XXXX Mortgage XXXX XXXX XXXX XX/XX/XXXX TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

The three request letters that has been sent to the following organizations has resulted in little success. All letters have been mailed with copies of my ID and Social Security Card for verification. In my letters I've demanded Great Lakes to send me documents showing that the accounts on my credit report belongs to me and to verify the balance. I've also reached out to Great Lakes via email to fix the error. Great Lakes is violating Federal Law in regard to Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of FCRA. I have sent these letters in disputes to XXXX XXXX, XXXX, and XXXX  in the beginning of XXXX with the last letters being sent on XX/XX/XXXX. XXXX  has removed the account from my credit report while XXXX XXXX and XXXX  has sent me dispute result saying the account had been verified without correcting the error. However, I'm confused as for as how was Great Lakes about to verify with XXXX XXXX and XXXX  but wasn't able to verify the account with XXXX. Due to the information that I have and the fustating process I plan to seek litigation for relieve and monetary damages.
Product: Credit card

Received a notification from XXXX XXXX XXXXXXXX stating my Google Wallet was being deleted. Spoke to them for over 2 hours for the triggering event of the notification. They directed my to contact Google Wallet at XXXX. Google Customer Service did not clarify what amounted to a Google Wallet transaction. I requested a supervisor and was told they would only work via email for resolution. I was adamant about wanubg to physically talk to someone and not try to explain this via email correspondence. I was told this was not their process. I asked for a supervisor immediately on the phone. I even started telling them I had a reading issue and would not respond to an email. She consistently said the escalation was via email and I consistently started raising my voice to the point of screaming to SPEAK to someone. I was hung up on.
Product: Debt collection

I am writing to bring to your attention a critical issue concerning my credit report. Despite previous disputes and requests for the removal of fraudulent accounts, my credit report continues to display inaccurate and unauthorized information, which is severely impacting my creditworthiness. 
I have identified the following fraudulent accounts on my credit report, and I insist on their immediate removal : XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX  FRAUD, PLEASE DELETE!!! 
These entries are not only unauthorized but also damaging to my credit score and financial reputation. I have previously submitted disputes regarding these fraudulent accounts, yet they persist on my credit report. It is evident that the bureaus have failed to thoroughly investigate and rectify the situation, and instead, additional fraudulent accounts continue to be reported.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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: Credit reporting or other personal consumer reports

Transunion Is still reporting inaccurate information on my reports- there has not been any verification sent just all generic responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

My, Business-credit, report, with ; equifaxXXXX XXXX , ga ; has 3-fraudulent, credit cards, open & in-gd standing, on my report. They ARE NOT mine! I have done, 1 round of disputes, with them. Im working on a 2nd. Also ; they will not, tell-or-disclose 2me, the customer & business-owner ; the names & addreses, of the creditor, merchant, the company issuing the cards ; billing addresses, etc. I can not even, defend, myself ; against, 3, card accounts ; that are listed there. I dont know who they are ; who the banks, or, companies are. I have ; {$5000.00}, in debt, against my XXXX, in, MI ; ( XXXX ). Its not, mine.
Product: Debt collection

I have had previous communication with this company and with the credit bureaus. The debt has been verified after me sending in a theft affidavit and FTC affidavit. I did not open this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681, And they violated my rights numerous of times. I demand the accounts listed below be removed because XXXX is govern by 15 USC 1681, And they violated my rights numerous of times. I demand the accounts listed below be removed because XXXX is govern by 15 USC 1681, And they violated my rights numerous of times. I demand the accounts listed below be removed because Acording to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Acording to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

Acording to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

ACCOUNTS XXXX. XXXX XXXX XXXX reported XX/XX/XXXX {$420.00} Reported XXXX XXXX limit {$200.00} You're using 214 % of your account 's limit XXXX. XXXX XXXX XXXX, {$4300.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX Opened XXXX XXXX, XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX MAINE XXXX XXXX XXXX. XXXX XXXX XXXX Last reported XX/XX/XXXX {$850.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$170.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX. XXXX XXXX XXXX Last reported XX/XX/XXXX {$77.00} Open balance XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX Report info Take a look at some options to help your score Average score improvement if you take care of a collection in the first 2 years Removed XXXX pt Paid in full XXXX pt Settled for less XXXX pt Based on XXXX XXXX XXXX XXXX members
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with fair credit Act account XXXX has violated my rights. 15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C A section 2 it also states a consumer reporting agency can not furnish account without any written instructions.
Product: Checking or savings account

Hello on XX/XX/XXXX there was a total of 7 transactions : XXXX XXXX XXXX XXXX in the amount of {$500.00}, {$400.00}, {$500.00}, {$290.00}, {$290.00}, {$200.00} and last {$300.00}. Totaling {$2400.00} thats just not a small amount of cash thats my bill money!!!! Im beyond hurt about this. 


I have been having problems with my account being used multiple transactions that I did not approve of and Citi Bank refuse to look deeper into the situation how can you allow an online gaming to use my card when the name and the card holder isn't the same person! I dont owe an account in that name so I dont know how this couldve even happened I never received any good from this I didnt authorize anyone to use my card and when I reported it to my bank they denied my request!!!! I then called to get the case reopened which was XX/XX/XXXX and again they refuse too look farther in this! Im a single mom and I work very hard for my money and to take care of my family I cant afford to lose money like this I promise I cant is there anything that can be done to get this matter taken care of and my funds back Im willing to do so!
Product: Checking or savings account

Dear XXXX : I am reaching you about my account at Chase. It was closed because I deposited XXXX checks. XXXX is under my name ( XXXX XXXX XXXX, and XXXX is under my friends name ( XXXX XXXX ). These XXXX checks are issued by the lawyer about the car accident compensation ( which happened XXXX years ago ). And my friend is currently in XXXX and will not be back in the US. So he asked me to deposit the XXXX checks together. 

Now my account is closed. And the XXXX checks were on hold. I called Chase many times about my situation, but they gave me different answers every time. Initially, they said I could reopen my account once they verified the checks. But after that, they refused to call the check maker to verify ( because the number is not verified at their system, but it is on the check I deposited ) and said I could not get back my account. After that, I also went to the branch several times, but they told me they couldnt do anything about it, and asked me to contact the check maker to recall. I contacted my check maker ; they claimed that XXXX checks had already been deposited so they couldnt do anything about them. I feel so lost now and dont know what to do next. 

I understand that there would be some policies of the bank. But this account is the only account that I have in the US, and I already used this account for XXXX years. I have chosenChase ever since I came to the US. I want to reopen it if it's possible. 

And they said the XXXX checks were on hold. But XXXX of the checks is under my name. I wonder if I can get those parts of the money back to me first. And return my friend 's check to the check maker. Otherwise, I dont know where I could find all the money back, and I can not afford it. 

I apologize for the situation ; it is my fault at the beginning. I would really appreciateit if you could help me and give me a clear answer on what I cando about this situation. And I could provide anything ( my and my friend 's ID or check information ) to verify our identities. Wish you have a great day. Thank you. 

Sincerely, XXXX XXXX