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

I have disputed this debt with credit bureaus ; however, they will not allow me to request a further dispute. This debt is from XXXX. Pursuant to FCRA and GA statute OCGA 9-3-24, this debt should not be on my credit report because it is 9 years old. This is no way admits that the debt is mine or that it is valid. I am simply wanting it removed pursuant to federal and state law. 

PIONEER/ MID COUNTRY BANK Account number XXXX .... 
Recent balance {$1800.00} as of XXXX/XXXX/XXXX Date opened XXXX Status Account charged off. {$1900.00} written off. {$1800.00} past due as of XXXX XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX  memebership stated I owed XXXX collection agency is harassing me stating I owe XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were fraudulent items on my report which I have supplied the several police reports for. Since XXXX, XXXX XXXX has placed items on my report that have no belonged to me due to identity theft that has been reported time and time again. These notices were sent to each bureau as well as the agency reporting the information : I, XXXX XXXX XXXX consumer associated with account numbers XXXX ..... 

They have received written notices of billing errors pursuant to 15 U.S. Code 45 1666 ( a ). Pursuant to 12 CFR 1026.13 this is a billing error and requires resolution. All balances are satisfied by the united states 15 U.S. Code 1666d which states that any amount listed on a statement is considered excess of the total balance due When it came to my attention that XXXX  XXXX had been furnishing deceptive forms pursuant to 15 U.S. Code 1692j via mail in the manner of billing statements and related reports to Equifax, XXXX, XXXX, FICO. 
XXXX XXXX has also furnished deceptive forms pursuant to 15 U.S. Code 1692j via mail in the manner of billing statements to my domicile requesting payment of an alleged debt. 
The statements always arrive with a positive balance being reflected on the right side of the ledger, which is a credit balance to myself as the consumer, pursuant to 15 U.S. Code 1666 ( d ). 
The account with XXXX XXXX was opened under a consumer credit transaction utilizing my open-end consumer credit plan. Pursuant to 18 U.S. Code 8 and Public Law 73-10, all debts are the obligations of the United States . 

XXXX XXXX 's furnishing of deceptive billing statement ( s ) is deemed to be racketeering activity in the form of extortion pursuant to 15 U.S. Code 1961. 

XXXX XXXX has never made amends nor has XXXX XXXX provided me non-equitable relief for my current account or new one created. In addition, XXXX  XXXX has not made amends by submitting a complete erasure of all negative marks reported anywhere including but not limited to Equifax, XXXX, XXXX, XXXX, and FICO. 

I have stated all matter should be handled in writing due to the deceptive nature of doing business with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.XXXX  {$360.00}
Product: Vehicle loan or lease

I began the process of refinancing my auto loan with my bank, PNC, on XX/XX/XXXX. I decided to go into the bank to conduct the transaction rather than do it online because I was unsure of how to correctly refinance my auto loan. I went to my local PNC Bank ( located at XXXX XXXX XXXX XXXX, XXXX, MD XXXX, inside of a XXXX XXXX ). My banker, XXXX XXXX, seemed to be inexperienced which led to me making 4 trips to the bank altogether to complete this refinance as he constantly made mistakes which required me coming back into the bank to fix. I received a letter from PNC on XX/XX/XXXX which stated that they had sent XXXX ( who my auto loan was initially with ) a check to pay off the remaining balance of my auto loan with them. On XX/XX/XXXX, I received a letter from PNC requesting the original title on my vehicle and the lien release document. I did not have the lien release, so I called XXXX requesting it XX/XX/XXXX. At this time, XXXX informed me that PNC paid off my auto loan {$970.00} short, and that balance was incurring interest every day. They also sent the money to the wrong department at XXXX, so it was processed as a regular payment and not a payoff. I contacted PNC about the matter shortly thereafter and the bank ( some bankers involved include XXXX XXXX, XXXX XXXX and XXXX XXXX ) told me that they did not verify the amount that my loan was supposed to be refinanced for so that is why this issue occurred. They told me that the only option was for me to refinance the auto loan again, using the correct amount of money. However, I have since lost my job and not able to get another loan right now. Today, XX/XX/XXXX, was my last attempt to contact PNC and explain the issue. They refused to help me at all, and said the only thing I can do is refinance the loan with them again.
Product: Money transfer, virtual currency, or money service

On XXXX/XXXX/XXXX, before my incident with Chase bank, my husband realized that we had been hacked somehow. Someone opened an XXXX charge in his name. They charged {$1.00}, then {$100.00} and got away with it. They were trying to charge another {$2600.00} when I received a call from XXXX asking me if I authorized this charge. I did not and working with my husband XXXX helped him clear everything up. Because of this I proceeded to call all of my credit card companies as well as my bank, Chase. I personally spoke to all representatives and let them know what happened and to place all my accounts on high Fraud Alert, personal and business. On Saturday XXXX/XXXX/XXXX I received a txt from Chase asking me if I authorized a transfer of {$4800.00}. It gave no account information, no information as to who the money was to be transferred to, nor a phone number to call if I needed help or thought this was an emergency. It simply stated to txt back 1 for yes and 2 for no. As soon as I saw the message I promptly txted back 2 for no. Since it was later in the day/after banking hours and tomorrow was a Sunday and I was traveling in Wisconsin at the time I had to wait till Monday to check my accounts. Since I had called everyone and spoke to them personally as well as txting back 2 for no, I felt that I was safe and protected. I was given no further instructions from Chase with the original txt nor received any other txt messages concerning this. On Monday morning XXXX/XXXX/XXXX I opened one of my chase accounts and saw that in fact Chase had transferred with XXXX Quick pay the {$4800.00}. NOTE : I did not have XXXX Quick Pay set up on my account. It stated that Chase transferred {$4800.00} to a XXXX XXXX. As well, at the same time someone by the name of XXXX XXXX was asking Chase to transfer another {$4800.00} via XXXX Quick Pay to them via another Business account I have with Chase. They did not let that go through, I did not receive a txt about that, the transfer was blocked by Chase and was cancelled on XXXX/XXXX/XXXX. As of XXXX/XXXX/XXXX Chase has not refunded my money to me. I have filed a police report with the XXXX Police Department, a fraud report with Chase, an FBI report and now a report with you, the CFPB. According to Chase they have it being reviewed with their Fraud Department, expedited. Again, as of XXXX/XXXX/XXXX I have not received my funds back. I would like to stress that I did everything possible to let Chase know we were having problems. I personally spoke to a representative at my branch to let them know. I did not have XXXX Quick pay on my account nor do I have a history of using XXXX XXXX Pay with that account. And most importantly I txted back 2 for no. Again, given no further instructions from Chase I thought I was protected. Chase appears to be making no efforts to return my money.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and found some errors relating to my payment history on some accourts. The credit reporting agencies have the responsibility to report accurate information. I have never been late on ( XXXX ). Please investigate these errors and remove the late payments if these cannotbeverified
Product: Debt collection

Wallet was lost and license and ssn was used to rent an apartment, Fraud Affecting my credit score Transworld system Inc & {$2900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters on 3 different occasions ask XXXX  for their method of verification for a XXXX account that I told them wasn't mine each time I've never gotten a response as to how they verified the account just a letter saying it was verified. I also reached out to the collection agency that has the account and asked the same and they just sent me a bill and told me to make a police report
Product: Credit reporting, credit repair services, or other personal consumer reports

A loan for a vehicle has appeared on my credit. The company name is XXXX XXXX XXXX XXXX they are located XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX. 
I have contacted the funding department at the number listed. This company does not have my name, social security number or address on file. But Experian has managed to changed my personal information on my credit report as well added this account to it. I again reached out to XXXX XXXX XXXX and spoke to a lady XXXX XXXX XXXX number above. She managed to help me when I gave her the address that Experian had updated on my credit report ( which I don't know how they did that with out documentation ). When she pulled up the account under the address of XXXX XXXX XXXX XXXX, FL XXXX. She realized that my information was not in that account. XXXX XXXX XXXX has sent a request to Experian stating this account is not mine. But Experian still yet has not removed this account from my credit report. I have sent Experian documentation of my identity. I have also requested them to send me documents of what they have on this loan. Again no response. I am emotionally distress with this situation. I am needing help to solve this issue.
Product: Student loan

Good Afternoon, XX/XX/XXXX Approximately around XX/XX/XXXX I was offered the opportuntiy for loan forgiveness by a gentleman named XXXX XXXX. He claimed to be a Student Advisor. He stated to me I was eligible for student forgiveness after signing document I had no access to after  signing. He explained to me that I would have to pay equitable acceptance {$49.00} a month to assist me with paperwpork that took less than a minute to fillout. ( I found this out by calling XXXX. One of the representatives explained everything to me today ). I'm a busy working mom who had hopes of loan forgiveness without knowing the real details. I feel really silly now but at least I found out. My curiosty stirred up a few times when I looked at my credit report and the balance of {$42000.00} plus was always there. He told me once I started paying equitable accetance I would notice a change from XXXX to XXXX on my credit report which it did. I wasn't aware that the service was free and under one minute to fill out on your own. This renewal is annual and the student loan company just want to ensure your information remains the same. I was paying {$49.00} bucks a month to do accomplish this very quick process. ( smh ) .. I was told that I may have to close my bank account and reopen it to prevent the reoccurrence of an automatic deduction. This equiptable acceptance account is also on my credit report and it can ruin my credit for non-payment. They have access to my fafsa account, bank account and now eligible to riun my credit. I am submitting proof of payment to you with hopes of reconciliation in this situation. When your busy and someone tries to convince you to do something that seems assuring still stop and look into it or just don't do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 
I did not consent authorize nor benefit from the following inquires please block and remove them immediately. I have attached a FTC Report with all of the inquires listed that i want removed.
Product: Debt collection

On XX/XX/2019 I switched phone providers and was told that I will receive the last billing statement in the mail, specifying the amount due up to XX/XX/2019 ( last day I made use of the previous provider ) However, on XX/XX/2019 I received a letter from Convergent Outsouring Inc. dated XX/XX/2019 stating I owe {$330.00} in full for XXXX phone service with no breakdown of the amount claimed. 
1 ) I made a payment over the phone with XXXX for {$110.00} on XX/XX/2019 and stopped using their service on XX/XX/2019. How can 1 week of phone use add up to {$330.00}? 
2 ) Why didn't I receive the last billing statement from XXXX as informed but did it go to Collections after only one week of closing the account?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I contacted XXXX XXXX XXXX in writing to discontinue reporting the fraudulent collection account XXXX to my credit report as you are in violation of FDCPA. On XX/XX/2022 I contacted XXXX XXXX XXXX. XXXX  in writing to discontinue reporting the same fraudulent account XXXX. To date, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  have responded to my request or discontinued reporting the associated fraudulent account to Equifax, XXXX, and XXXX Credit Reporting Agencies. I did not request or obtain credit from XXXX XXXX XXXX. XXXX  nor am I liable for any debt to XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, or any factoring company. In addition, I also sent a copies of these letters to Equifax, XXXX, and XXXX Credit Bureaus to dispute and delete this fraudulent collection account and any inaccurate information.
Product: Credit reporting

I have the same released CA state tax lien reporting on my Equifax and XXXX reports twice. The tax lien was filed in XXXX different counties, apparently, the one I reside in and the county of the XXXX, so it is showing up as XXXX separate liens. Which obviously creates XXXX separate public records on my reports. XXXX was the only one that removed XXXX of them, while the other XXXX just sent back a standard letter saying they were both reporting correctly. I do n't know how to send proof that it 's the same XXXX, although you can see that they were both filed and released the same day and the dollar amount is the same. When I contacted the state of CA, they confirmed that there was just XXXX lien and to ask the credit bureaus to remove it, they could do nothing on their end. The tax lien to begin with was part of our bankruptcy discharge, and it was discharged because of the nature of the tax, but CA state tax board refused to acknowledge it, so I had to just pay it. I have more than once disputed the tax liens, the case number I provided was just XXXX that I have.
Product: Checking or savings account

I have sent XXXX $ through quick chase pay to XXXX account which is fraud account. I called my bank and asked to cancel my transaction as this is wrong transaction and filed claim. But chase claim reports says that I sent money and XXXX is not releasing funds. They are saying its not chase issue. They cant do anything. I need my money back from XXXX account. 
How can I proceed further
Product: Payday loan, title loan, personal loan, or advance loan

I engage in a XXXX agreed upon loan that is pre-authorized debited from my account on the XXXX of every month. This loan began XX/XX/XXXX and comes to term XX/XX/XXXX. The amount per month is {$60.00} In XX/XX/XXXX a duplicate payment was taken, one on XX/XX/XXXX and the other on XX/XX/XXXX. I have been disputing the XX/XX/XXXX transaction since XXXX with the customer service and collections team. Initially the Collections team ruled in my favor and stated a credit would be applied within 5-7 business days which had never come to fruition. I had been following up with the company on a weekly basis to which they have been " escalating my case '' each time. After multiple reach outs and multiple escalations, I asked to consult with a supervisor. The loan companies protocol for supervisor call back is by verbal or written request in which there is a 24-48 hour turnaround for call back. I've requested a supervisor call back 4 times to no avail. The customer service team randomly reached out to me early XX/XX/XXXX to ask for proof of the duplicate charge which I had already provided and explained in detail in XX/XX/XXXX To date there still has not been a credit applied to my account and I have since filed a fraud report with my bank.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Hard Credit Inquiries under the FCRA I am writing to formally dispute several unauthorized hard credit inquiries that have appeared on my credit report. These inquiries were made without my consent and in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b. 

The unauthorized hard credit inquiries in question are as follows : 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  I have not authorized these inquiries, nor have I had any business or financial relationship with the listed creditors that would warrant such inquiries. According to the FCRA, a hard credit inquiry can only be made with the consumer 's consent or in connection with a legitimate business transaction initiated by the consumer.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as XXXX and XXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

My on-line bank account was breached on XXXX XX/XX/2022 ; during the breach the thieves emptied my on-line savings account of {$10000.00} and charged my on-line credit account {$11000.00}. Since that date, I have been in steady contact with my bank ( Pentagon Federal Credit Union ) concerning the breach. The bank initially responded by freezing my account. Then, after corresponding with them about the way ahead, the bank created an entirely new account for me with a new account number. This allowed me to continue to bank and use my credit card pending the conclusion of the bank 's fraud investigation into the hack. However, time has continued to pass ( almost four months ) since the incident and my savings account funds have not been restored, nor have the funds from my line of credit. I have two concerns : the first, is whether the line of credit ( which continues to show an on-line balance and past due payments ) will affect my credit rating ; and second, that my savings will be restored. I have contacted the bank between 25-30 times since the incident, repeating the story over and over ; been assured that the bank was fixing the problem and other varied explanations and as of this date, have received no relief from the problem. I will provide any additional information on demand. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX  and Transunion twice to remove fraudulent activity reporting on my credit. They haven't done an investigation. They keep providing a generic statement that they falsely claimed is verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this CFPB complaint because I am very unhappy that Equifax, XXXX & XXXX  are reporting information on my consumer report that I did not give them permission to report. Thats the first violation of my consumer protection laws. The next violation is FCRA 15 USC 1681 states the consumer reports can NOT include any of the following Credit transactions arising from my credit card. My credit card is my social security card according to 15 USC 1681a ( 2 ) ( B ). The definition of a credit card under 15 USC 1681 means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice congress said ANY card. The credit card is my social security card. I used this credit card to originate every consumer credit transaction listed on these letters. 
I am the original creditor due to the fact that I extended the credit to the corporation. The corporations can NOT validate or verify any accounts because they are not a natural person. I demand that you delete all the accounts I have listed on the letter or I will be filing for litigation!