23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2020 I contacted Amazon.com regarding two packages that had arrived at my home which I had not ordered. After a brief look into the matter, Amazon determine that an outside party had created an account with my name, address, and credit card and I was now the victim of a " brushing scam ''. They cancelled additional transactions that were pending and advised me to contact my credit card company.

I immediately put a hold on my credit card and contacted Chase Bank Card Services due to fraudulent charges that were made on my credit card. I indicated to Chase what the current circumstances were. I went on to inform them that I had received a letter from XXXX prior to these fraudulent charges, informing me of a breach in their system and that there was a potential loss of my personal information. 

Chase put the charges from Amazon on hold and indicated that they would investigate my claims and send me a new credit card. 

A letter dated XX/XX/2020 arrived from Chase indicating that I was responsible for two of the fraudulent transactions that were made because " Merchandise was billed to or shipped to your address ''.

The two fraudulent transactions which Chase is claiming I am responsible for, were for {$18.00} and {$21.00} and the transaction date was XX/XX/2020.
Product: Debt collection

request a copy of that 1099 C, inform them I was a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX I am XXXX XXXX XXXX XXXX. I currently live at XXXX XXXX XXXX XXXX OH XXXX. 
the following addresses are not mine : XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following number are not mine please delete remove : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit card

I made a purchase of a computer for {$1300.00}, but the charge was initially flagged and denied by the credit card company. They instructed me to verify the transaction and then reprocess it from the merchant 's side. I confirmed that the transaction was legitimate and reprocessed it, resulting in a successful payment. However, a duplicate charge for the same amount appeared on my credit card account. I disputed this duplicate charge twice, but both disputes were rejected by the credit card company. The credit card maintains that two computers of the same kind were delivered, which is completely false and invalid.
Product: Debt collection

This account is reporting in collections when its in fact paid off. Ive reached out the the creditors several time with the same exact results. They are updating my collections but it shows my account was paid off with a XXXX dollar balance
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Investigation and Deletion of Incorrect Charge-Off XXXX XXXX  ACCOUNT ENDING XXXX I am contacting you to formally challenge and seek immediate investigation and removal of incorrect charge-off entries made by a third-party collection agency on my credit report. These entries have severely impacted my financial standing, hindering my ability to secure a home mortgage, an auto loan, and additional credit facilities. 
I wish to highlight that I have no contractual ties with this collection agency. Their actions of reporting my credit information without any contractual basis are unjustified and breach multiple legal norms concerning credit reporting and consumer privacy : 1. **Unauthorized Reporting** : The reported charge-offs, which suggest debts I do not recognize, have been documented on my credit report without my agreement, violating established principles of lawful credit reporting, also referred to as certificates of indebtedness.

2. **Absence of Form 1099-C** : I was not provided with Form 1099-C for debt cancellation by the agency, which is essential for accurate tax reporting and compliance with IRS requirements. This omission could lead to potential risks of tax non-compliance.

3. **Infringement of Privacy Rights** : This action violates the Privacy Act of 1974 ( 5 U.S. Code 552a ), which ensures stringent safeguards against the unauthorized release of personal information.

4. **Lack of Contractual Agreement** : There is no formal contract between myself and the agency, thus their reporting of my credit information directly infringes on my consumer rights.

5. **Exercising Opt-Out Rights** : In accordance with regulations under 12 CFR 1016.1, 12 CFR 1016.4, 12 CFR 1016.7, 15 USC 6802 ( b ), and 15 USC 6805, I am formally revoking any implied permissions for the dissemination or reporting of my credit information. 
Given these concerns, I urgently request a review and elimination of these incorrect records from my credit report, and I ask for a written confirmation of this deletion. Please note that I am prepared to take further actions, including legal recourse, to rectify my credit report and protect my rights. 
Thank you for your immediate attention to this matter, and I look forward to your prompt response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, as I have already notified Experian of this information thru my membership with them.
Product: Credit reporting or other personal consumer reports

According to the FCRA they are in violation of 15USC1692g and 15USC1681e
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TRANSUNION for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1000.00} I have previously disputed the accuracy of this charge off account with TRANSUNION and provided evidence that the information is inaccurate. However, TRANSUNION has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Debt collection

A certified letter ( XXXX ) was sent to GM Financial/General Motors Financial Company/General Motors , LLC/ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  to demand for validation of debt Pursuant to 15 U.S.C. 1692g. I requested documentary evidence to ensure I am obligated to pay this alleged debt.

Pursuant to 15 U.S.C. 1692c ( c ) ( 2 ), I invoked specified remedy and demanded the following : A copy of the contracting binding both parties consumer and GM Financial in a letter by certified mail so that there is an independent witness to it having be delivered Verification of GM Financial claim against consumer that will be a signed invoiced Validation of the alleged debt and that will be the actual accounting as it relates to o Book of account ( GAAP ) related to consumer credit transaction and the account which will include the ledger of both sides. 
o Financial and corporate records that would substantiate this allege claim of {$13000.00}. 
o Any other lawful or verifiable proof of claim money for loan originated from GM Financial XXXX bank account or stock Any XXXX filing and or statement including any addendums Consumer received a formal notification that GM Financial was in contact of their reference to account XXXX. From the requested information above, GM Financial stated this account may have been fraudulently established as a result of identity theft. I was seeking to validate debt. Pursuant to USC 1692g I asked the office to provide proper document as requested. GM Financial was advised to cease and desist all collection and communication activity unless you notify me this debt has been zeroed out and reported paid as agreed to all credit reporting agencies and the company is no longer collecting on the alleged debt
Product: Credit card or prepaid card

XXXX card did a hard inquiry in my credit without my permission when I called to get my credit limit. Hard inquiries stay in your credit for at least two years. I tried to dispute this unlawful issue through Experian which deters you from disputing hard inquiries by making them practically impossible to report. After waiting on the phone, i was told by Experian employee XXXX ( no other info given ) that only inquiries as a result. of identity theft can be disputed so obviously Experian credit agency is in league with the bank against the consumer. They can not allow banks to report hard inquiries without customer permission. The CFPB is a toothless agency that will pretend to side with the consumer to continue on the federal-virtue-signaling-politically correct dole at tax payers expense
Product: Credit reporting or other personal consumer reports

This credit reporting agency has furnished my account balances and my utilization percentages on credit reports without my written instruction and authorization. This is a violation of 15 U.S.C 1681b ( a ) ( 2 ). 15 U.S.C. 1681b ( a ) ( 2 ) states that consumer reporting agencies may furnish reports only in accordance with the written instructions of the consumer to whom the report relates. I have not given any credit reporting agencies written instructions to report my credit balances or my credit utilization percentages.
Product: Credit reporting or other personal consumer reports

Im 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 ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ) ,12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative processing ( File No.2025-CFPB-0002 ) 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.
Product: Credit card or prepaid card

Back in XX/XX/XXXX, I was wrongfully terminated as stated in my first complaint with the bureau. I contacted XXXX XXXX ( XXXX ) credit card customer service around XXXX to inform them of the situation. They offered a hardship program and I accepted. Months went by as I continued to make the payments. I signed into my online account to check and see the progress I made, then discovered XXXX XXXX, the insurance program I signed up for was charging my card as usual. I realized it slipped my mind that I had been paying for insurance, however, no one reminded or offered this benefit at the time. On XX/XX/XXXX, I contacted XXXX about this, they said I would have to contact XXXX XXXX, I did. I was told theyll take care of my payment due that month, in the meantime, I needed to provide documentation of unemployment. I was sent an email the same day from, XXXX Not sure why the form is dated XX/XX/XXXX now ... but I received it XX/XX/XXXX. On XX/XX/XXXX, I completed and emailed the paperwork as instructed. I cant find the first follow up letter I received in the mail but last month I got a letter stating I needed to verify I was unemployed. I called XXXX XXXX   and told them that I did send the info, the rep said I will be receiving another form with more detailed instructions. As you can see where it says, Second Request I got the exact same notification. Im still responsible for my payments to XXXX  and still being charged for insurance so Im not making any progress. XXXX  XXXX is taking between $ XXXX {$13.00} a month and my monthly payment is {$13.00}, I owe {$650.00}. This shouldn't be if I have insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XXXX XXXX, XXXX to remove the following items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
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 Complaint Detail https : //portal.consumerfinance.govXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that all credit reporting agencies update my personal information to reflect my name and address and remove all others appearing on all XXXX  reports. The only name and address that needs to be ( see below ) on all XXXX  reports should be. 

As of the date of this complaint, this has not been done. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan

I had a loan for XXXX from Mypsydayloan.com. On XX/XX/XXXX I sent them a notice revoking ACH authorization because although I had already paid them XXXX they still showed me owing a balance of XXXX. 

The legal interest rate for a payday loan is XXXX per XXXX, which would be XXXX maximum interest. 

This morning I looked at my bank statement and they have once again taken XXXX despite my revoking my ACH authorization.
Product: Checking or savings account

I had an account, checking and savings with this company for a little over two years. I was continuously receiving statements and able to log in to view my account during this time. Well recently about a month ago, I logged in, planning to use the account for direct deposit for my job. I got an alert or message to contact customer service. I contacted them, went through a series of trouble shooting with a representative until the rep places me on hold and tell me that I would received an email explaining the steps to gain my account numbers for direct deposit. Shortly after this conversation, another rep or security rep, emails me and says that they have determined that my needs do not fit or align with the bank, so they closed my account. I sent them an email, asking how they determined my needs and more importantly how they determined that those needs didn't align with the bank. I never had any overdrafts or unpaid funds. I only deposited and utilized the account a few times when I first opened it. The response email I received stated that they weren't going to give me any information on their decision and how did I want my funds transferred. I sent an email, stating I wanted to know why my account was closed, and never got a response, or the remaining funds in my account.
Product: Student loan

I began attending XXXX XXXX university in XXXX WV in XX/XX/XXXX part time on and off ( depending on work ) working towards my degree in XXXX XXXX XXXX In XX/XX/XXXX due to my spouse and his substance abuse I no longer could attend college because I had to support my newborn  and take a full time job after separating from my husband. My student loans were always advised to be to be placed in deferment or forbearance. With very little income and supporting a child this continued for years. In XX/XX/XXXX a coworker gave me information about income driven repayment plans for student loans. This information was NEVER suggested to me. The information on IDR showed after 20 years of making income based payments the remainder of the balance would be forgiven. For 13 years my loans sat and accumulated interest. In XX/XX/XXXX I went back to XXXX   school and am now a XXXX  I then worked full time so my Second Husband could go to school, he graduated with his XXXX degree. We have XXXX children but making my student loan payment ya is impossible. My original balance of loan debt was approximately {$27000.00}. To date my loan balance with interest is {$100000.00}. With an expected payment of {$2000.00} a month. I owe for my student loans and In no way feel that I should not have to pay this debt back. However I do feel with proof of my W2s from the years XX/XX/XXXX to XX/XX/XXXX I  can show my income was low and I should have been advised to do income based payments and would be well over half way to having my debt paid off in regards to after 20 years the debt is removed. I want to pay what I am in debt to but also would like reconsideration on the interest that makes repayment impossible. I have emailed Navient multiple times with absolutely no response. Phone reps can not offer any help. Any help with this matter would be greatly appreciated. Thank you for your time. 
XXXX XXXX XXXX XXXX  XXXX , WV XXXX
Product: Debt collection

THIS ACCOUNT IS INVOLVED IN LITIGATION. Case number : XXXX XXXX. National Credit Systems is reporting inaccurate information. Original creditor is incorrect. Balance is incorrect. False charges were added to this account. Original creditor is XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report with the three credit agencies, XXXX, XXXX, & Equifax with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted more explanation on. 

I am not 100 % sure if the following accounts are accurate or indeed even mine. I received the disputes back and they did not provide any documentation stating these were indeed my accounts. 

I also noticed there are inconsistencies with what is listed per agency ( see attached documentation ). 

Per the Fair Credit Reporting Act whereby law, I have the right to challenge anything I am not sure is accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15. U.S.C. Sec 1681i ( a ) States if the credit agencies can not provide proof, the accounts must be deleted. I did not receive any proof or verification showing that the accounts were indeed mine.

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 accordance with the Fair Credit Reporting Act my rights were violated. 

Thank you so much for your assistance with this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

The following collection item showed up on my credit report in XX/XX/2019 : MRS BPO # : XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX ( XXXX ) XXXX Placed for Collection : XX/XX/2019 Responsibility : Individual Account DateUpdated : XX/XX/2019 Original Amount : {$100.00} Original Creditor : XXXX ( Cable/Cellular ) Past Due : > $ XXXX< Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< I have no idea what this is for. I do not do any business with XXXX. I disputed this account with XXXX  and XXXX. XXXX removed the item from my credit report but XXXX  returned results of 'VERIFIED AS ACCURATE '. This is NOT correct. I do not have any business dealings with XXXX  or MRS BPO and therefore this item should NOT be listed on my credit report.
Product: Credit reporting or other personal consumer reports

In XX/XX/2024, a payment to XXXX XXXX was incorrectly reported as late to the credit bureaus. Upon discovering this error, I contacted XXXX XXXX to dispute the late payment. I spoke with a manager who agreed to submit a dispute to the credit bureaus to correct this error. However, as of today, I have not received confirmation that this dispute was actually submitted. 
I have made multiple attempts to follow up with XXXX XXXX 's customer service to verify if the dispute was submitted as promised. Despite these efforts, I have not received clear confirmation that the necessary steps have been taken to correct this error on my credit report. 
This incorrectly reported late payment has negatively impacted my credit score. I am seeking to have XXXX XXXX follow through on their commitment to submit the dispute to the credit bureaus and to have the late payment for XX/XX/2024 removed from my credit reports.
Product: Credit reporting or other personal consumer reports

Received my XXXX report and noticed an inquiry from US Bank that I didn't authorize.
Product: Credit reporting or other personal consumer reports

You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Cneverode 1681b Permissible purposes of consumer reports I gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX  and Federal Trade Commission. 


This is second box in the files attach ghe two documents you sent me and when. You type company name just use any one with Transunions XXXX and XXXX Please remove these items as it is in violation of my permissible purpose these accounts were forged of my signature i never gave written permission to furnish at all never gave permission to the alleged creditor or the third party reporting agencies Transunion XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor didn't delete my account, it is still on my credit report.