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

Main financial has reported a charge off to consumer reporting agencies which is illegal because a charge off is considered cancelled debt and cancelled debt to the IRS is income. Income can not be reported on my consumer reports. Also I never have them written permission to furnish anything on my consumer report which invades my privacy. Other companies seeing this can damage my reputation and can cause emotional and other types of damages which is defamation. Not only is main financial reporting something they arent suppose to they are committing tax fraud as well. In the finance charge it states if I default then they will get paid in insurance money. Putting the account as a charge off is stating I defaulted in the money which means they got paid there insurance money and they also received a tax write off as well. They dont want to send me a 1099c so I can report this income to the irs . So I will be making a compliant also to the irs which will make them send me the 1099C that they have to send me. 15USC 1681 - explains how anything furnished on my report must be because I did a written authorization for it to be reported in my report. I never authorized this to be furnished in my report. As far as I seen this has been furnished to XXXX, XXXX, XXXX XXXX  XXXX I am still waiting on the order of other consumer reporting agencies to see if the charge off is reported there.
Product: Debt collection

I never lived at XXXX XXXX XXXX XXXX XXXX TX mY ADDRESS IS XXXX XXXX XXXX  XXXX TX XXXX SINCE 2006 I DO NOT OWE XXXX XXXX XXXX I BELIEVE THIS IS FRAUD NEVER LIVED HERE
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the debt company of this unknown charge and they removed off of XXXX only and not the other bureaus. I have no idea what this charge is for or who this company XXXX XXXX is. I do not owe this really high debt. They sent an invoice with zero explanation what this is and what it is for. I've had no business dealings with this company. This has caused me to be denied and causing me financial hardship. If this does not get removed asap I will have to seek legal action for all those involved. 

ACCOUNT : XXXX NAME XXXX XXXX XXXX XXXX XXXX {$4800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrote TransUnion letter on XXXX, and advised them that I am a victim of XXXX data security breach inquiries on file are a result of the XXXX data security breach. XXXX never responded to me, and I called several times and was on hold for over XXXX minutes.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that there is 100 % improper use of the credit report Attached to the XXXX XXXX AND EXPERIAN have 1000 % violated the FCRA AND I IM HIGHLY PISSSED ABOUT THIS, 15 U.S. Code 1681 states thats companys are to report accurate information across all 3 bureaus on the credit report and dates are not accurate across all 3 bureaus I have enclosed proof highlighted, attached below, I want all these fraudulent incorrect XXXX accounts and inaccurate inquiries from the credit report with no fraud remarks or disputes comments remarks left on the credit report within 24hr of receiving this, yes I want the entire accounts fully whipped, attached below are proof supporting this statement,15 USC 1681 section 2 Also states company can not furnish a account without my written consent and I never gave any consent, section 602 also states I have to right to privacy.As instructed on your website Ive also enclosed documentation providing proof of my current address, social security, drivers and driver license. 


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  Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Here I am again fighting XXXX XXXX and their IMMEDIATE removal of the XXXX account they have bought. XXXX deleted the file because they have no PROOF as required under the FCRA and FDCPA and still XXXX  insists they can keep reporting this account to EQUIFAX without PROOF of my physical signature of a contract between ME and XXXX  It DOES NOT EXIST they can not. Sending me statements is not proof I have a contractual account with XXXX and it must legally be removed immediately. 



Again : " According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. ''
Product: Debt collection

This company popped up on my credit report out of the blue. Ive never received ANYTHING from them. They are on my credit for an account that has a XXXX balance. I called them so they could verify the account with the company that the balance was XXXX and they were very unprofessional and unhelpful. They said they could not contact the company that they said I owed money to to verify the balance was XXXX. Ive written to cease and desist and they have ignored me.
Product: Credit card or prepaid card

In XXXX XXXX files a claim with unemployment and i recieved one check from bank of america i filed claims after claims and the bank has not paid but 4 claims of mine then i have not recieved anything from them i called bank of america for over three years going back and forth with the bank i have filled police 5 reports i have sent 2 letters and copys of my id because the bank had no id for me so they did not know what i looked like the money was taken out of a bank i never ever used i wrote bank of america a letter and explained that to the bank well the other day i called up bank of america and asked to talk to claims i talked to a XXXX from texas he asked for me to give him the claims numbers i had i told him i have over 30 claims so he said to give him 5 at a time and i did that well after the second claim number he asked me to repeat the second claim number again i did he told me that was not my claim number it had belong to someone else it came up under some one elses name i told him how was that when i got the claim numbers from a person that worked at bank of america he said he was not sure but that it was not mine thats all he knows well a few days passed and i called up bank of america and there was a recording and it said that i could not talk to no one about claims until after XX/XX/XXXX that they where doing maintenance on the computer so we can call after XX/XX/XXXX after XXXXXXXX XXXX so i did and thats when they had told me that all my claims where paid and that they where marked off that someone signed them off but they where never paid so im asking you to please help me because they took all my unemployment
Product: Credit card

On XX/XX/XXXX, I received an email from Chase Bank ( where I have one credit card account in good standing since XXXX and had a previous car loan account that has been paid off ) with the following message : -- -- Thanks for requesting a new credit card! 
We'll review your Chase Sapphire Preferred credit card application and be in touch soon. 

-- -- This message came from Chase and was not a fraudulent email This was the address : XXXX. 

I never submitted an application for a new credit card, nor was I looking to get that particular card or any other from Chase. 

Obviously, only Chase could have initiated this fraudulent application since they sent the email to the address I have provided for my account. Thus, I do not suspect anyone else was trying to submit an application for a credit card. 

Additionally, all of my credit bureau reports are frozen and locked at the moment so I would have been notified if anyone else had inquired about a new credit account. 

Chase has been quite aggressive after we finalized paying off our car loan earlier this month. They have increased the emails and offers sent to me but this is an absolute fraudulent application.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I check my credit report and it shows capital one bank usa did a inquiry XXXX XXXX I did not authorize this transaction had no idea of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX car was purchased, XXXX car was stolen, XXXX was supposed to retrieve car they never did. Car was never repossessed placed on credit report as charge off. XXXX, XXXX lost XXXX XXXX dollar law suite which I should be included in because of when my car was purchased and lost. XXXX  has removed the loan from my credit report as well as XXXX  but Experian has yet to do so even with the evidence that it should be deleted permanently. XXXX or the Attorney General of California have yet to make contact with me in regards of how I will receive loan forgiveness and/or compensation for lost vehicle. I am in the process of getting a high security clearance and this is hindering the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALLIED COLLECTION SERVICES OF CA is reporting a collection for {$9500.00} from XXXX  XXXX  XXXX for supposedly sold them unpaid balance on this account. I never signed a contract to purchase or lease any vehicle from XXXX XXXX XXXX ... .Allied credit services went on to further provide a copy of the " contract '' that forged my signature and LACKED a date on the contract provided a driver 's license of a person with a similar name to mine but NOT me! YET they dared to report it to my credit for years. XXXX XXXX XXXX refused to provide any documentation to me directly due to the fact that they did NOT have any contracts with me, in my name to my social or to my dr license. ALLIED COLLECTION SERVICES IS GUILTY OF FRAUD, VIOLATION OF FAIR DEBT COLLECTION PRACTICES ACT, AND F.C.R.A. ....
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit reporting act 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 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!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Product: Checking or savings account

On XX/XX/2022 at XXXX I tried to deposit {$1500.00} to my account at the Chase bank branch ( XXXX XXXX XXXX XXXX ) in New York XXXX only to have the ATM machine come up AFTER I put in the money with an error messaging saying it cant accept any cash deposits now with a receipt ( which I still have ) with a number on it to call them to check if the deposit went through ( which did not ). When I addressed this to the security guard behind me, she told me to address a banker inside. The relationship banker ( XXXX XXXX, I still have her card ) said that she has filed a complaint to the claims department, and that I should get back my funds as fast as the next day, but could take up to 10 days. When I called the bank a few days later to check up on the process, I had an employee/banker tell me to never call this number again because there is nothing they can do on their hand until the 10 days are through. And after 10 days has passed I got a letter saying that no changes were made to my account after the investigation went through furious and confused, I called the bank again and they told me that they werent giving back the funds because they couldnt located the funds. When I have the receipt and reports of the claim that Ive deposited {$1500.00}, and the money is missing from MY account, how could they NOT locate the funds? They told me that they believed me but there was no proof that I deposited the amount. After speaking to XXXX and XXXX, I FAXED them the receipt and the name card of the relationship banker who originally filed the complaint for me, as they asked me to because they dont provide any email addresses for customers. The bank told me that theyd give me a call first after the fax was sent but I never received a call in which I had to call them again to check if the fax went through ( it did ). When I asked them to look at the security footage of the exact time I was there -for proof that in fact I was there to deposit my money- the bank told me thats not possible. I have even emailed the sheriff of NYPD to see if its possible to get the security footage for the proof. I am still waiting on the banks call as they told me they would after they sent new notes to the investigation team and they would contact me directly when I mentioned I think there is some kind of fraud of theft involved regarding the ATM machines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX XXXX with Freedom Financial on XX/XX/XXXX regarding a settlement that was offered on my account. It was agreed that the settlement would be for {$7500.00} paid in two installments and the dates were XX/XX/XXXX and XX/XX/XXXX. It was explained to me once the final payment had cleared I would receive a letter stating that it is settled and my credit report would be updated. Since XX/XX/XXXX I have been trying to reach out to them but have been getting the run around and sent to voicemail and no return calls. My account does not reflect the payments and a few representatives I did speak to said they see the notes about my settlement and it should be settled shortly, but when I call back days later no one seems to be able to help me.
Product: Credit reporting or other personal consumer reports

There are inquiries on my report that I did not authorize and I am also not associated with. I have sent in letters to these companies and their responses were all the same, they stated that someone submitted something online with them and that whoever that person was authorized them. This is messing with my credit score bad and i would like help in having them removed. I never signed any paperwork saying that they were clear to run a credit check on me.
Product: Credit card or prepaid card

My name is XXXX XXXX, and I am sending this request myself without any help from a Credit Repair Company and I am addressing the inaccuracies on my Credit Report. XXXX, XXXX, and XXXX are reporting inaccurate information on XXXX with the account number XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you to inform you that I have several accounts that are listed on my credit report that I did not open. I have asked Equifax to delete this information but they have not. I am contacting you to have these accounts for XXXX XXXX XXXX XXXX XXXX and XXXX XXXX.
Product: Credit card or prepaid card

In  XXXX   XXXX  I received a report of a hard inquiry on my credit for a  Chase Amazon Visa  card for which I had never applied. I put a fraud alert on my credit and stopped the fraudulent application.  XXXX   XXXX , another hard inquiry against my credit for a  Chase Amazon Visa ca rd. I called and spoke with Chase and was able to stop the application. However, the representative would not give me any information about the application, saying it was protected and I would have to fill out an affidavit, file a police report, write my own summary, copy my drivers license, ( he sai d 3 or 4  more steps, but I was driving and unable to write them down ) and mail all of this information in " certified first class mail '' to Chase for review. It would take  30-90 d ays and they might be able to comply with my request. He said he was unable to email these requirements and said they were not published on the website. He could only tell me other the phone.     Why is chase continuing to allow fraudulent applications through and why the ridiculous hoops to get any information about an application that was submitted in my name. I verified all the information at the start of the phone call.
Product: Credit card or prepaid card

I am writing today in regards to my account with Capital One Bank USA Account # XXXX. The reason for writing today is in regards to the late payments which are showing on my report in XX/XX/2020 and XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020 and XX/XX/2020. As soon as I was able to, I got my payments made and caught up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Unauthorized Credit Inquiry I recently received a copy of my Transunion, XXXX  and XXXX   credit report. The credit report showed a credit inquiry by XXXX that I do not recall authorizing. I understand that they are not allowed to put an inquiry on my file unless I have authorized it. I contacted the bank to inquire about closing my auto insurance, savings and checking accounts. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have decided to close all of my accounts with this institution next month after i acquire a new auto policy with XXXX. I have already closed the savings account and will be closing the checking account via phone as well.
Product: Debt collection

These were medical bills that were sent to the WRONG address, an address I had not lived at for 8 years. When They " Found '' me, it was already on my credit report. I paid it immediately to make it right and it was supposed to be removed. The same hospital that I paid thousands of dollar to for the same surgery did not have all of THEIR billing records up to date and now my report is suffering. This is WRONG in so many ways.
Product: Debt collection

Last year in XXXX, I bought a piece of furniture from XXXX XXXX XXXX and the total price was {$2200.00}. The store put me in touch with a lender, called American First Finance, to finance the furniture. Now, my credit is good and I could have obtained financing elsewhere but they unduly influenced me to go through their lender. So, I did not realizing this was not a typical financing agreement ... instead it was an oppressive lease-to-own, which I would have not never agreed to had they disclosed and explained all the terms clearly. 

I have been paying religiously every 2 weeks {$150.00} for the past 8 months. As I have now paid over {$2800.00}, which does not include the initial processing fee of {$53.00}, I called the store repeatedly in XXXX to get a pay-off amount ... they were not helpful. I finally physically went to the store and that is when I found out that to pay off the debt I would need to pay a total of over {$7000.00}. Now, how can this be legal? This is unfair, deceptive, abusive, undue influence both from the store and the lender, American First Finance. 

I told the store they could have their furniture back, even though I would be at a loss of near {$3000.00}. But, they said that is not an option. And all of the sudden, the store claims that they have nothing to do with First American Finance. I have attached the transaction report that I requested and obtained from First American to show how unconscionable this deal is. I beg the CFPB to investigate this company and do something. I am a working parent supporting a family of 6 and it is not fair for this company to attempt to extort me like that attempting to charge more than 3 times the value of a furniture in the span of 8 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX notified me on XXXX that I had missed a payment on my XXXX XXXX XXXX land loan. I called the bank immediately and they told me that my account was fine and they had no idea why it posted that to my credit report. They assured me nothing was wrong. They then called me back and said that the person that needed to fix my account was not in and would be in the next day and to not worry because everything was fine. The next week I got a letter in the mail that my payment was late so I called again and they told me to ignore it and that my account was fine and in good standing. I ran my credit again late XXXX and it shows the late payment still so I called back to be told they can't help me but if I dispute it, they will then remove the late fee. I have disputed it 3 times and it keeps remaining the same. I called again today to XXXX XXXX XXXX and they refused to help me and transferred me to XXXX 's VM. I have not heard back at all. This is not an acceptable item to have on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat A payment on a student loan account any open end consumer credit plan as late for any purpose. 

Again, attempted to communicate with the company and was provided a very generic response