23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Hard Inquiries XXXX XXXX  XX/XX/2022 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 A account without my written instructions XXXXXXXX XXXX  XX/XX/202XXXX XXXX
Product: Credit card

XX/XX/2015To Whom It May Concern : I applied for a Chase Freedom account in XXXX, 2015 and was approved with no issue. In fact, Chase requested and received my XXXX Credit file on XXXX/XXXX/15 and XXXX/XXXX/15. I applied for the Chase IHG card on XXXX/XXXX/15 Chase requested and received my XXXX Credit file and the account was approved. I applied for the XXXX XXXX card on XXXX/XXXX/15. Chase requested and received my XXXX Credit file and the account was approved. I applied for the Chase Amazon card XXXX/XXXX/15 Chase requested and received my XXXX Credit file and was approved. On XXXX/XXXX/15 Chase requested and received my Credit file again. 

I made charges on all accounts and paid the charges off in full and on time or before the due date. Then, on XXXX XXXX, 2015 I attempted to use my Chase Freedom card to make a purchase and it was declined. I called in and was asked questions about purchases that I had made and more questions to " verify my identity ''. My accounts remain frozen. I have asked repeatedly for an explanation and none has been given. The only statement that I have received is that the individual on the phone can not tell me but that the accounts are under " further review ''. I would like an explanation of what is going on. I have expressed a desire to receive something in writing regarding this issue and to date, nothing has been received. I have been promised calls back, and have not received them. 

I have contacted Chase repeatedly in an attempt to understand what information the company was unable to verify, if that is the issue. Each Chase representative basically stated the same thing every time. Unfortunately, no one within Chase has the ability to inform consumers of what issues have occurred. I contacted XXXX, XXXX and XXXX and verified that all my identifying information listed on my Chase application matched the information in my XXXX credit file. The information on my Chase applications were in compliance with Section XXXX of the XXXX which mandate that financial institutions verify certain information about applicants, including name, legal address, date of birth and Social Security or Tax Identification Number, while processing account application. 

Desired resolutionWhat do you think would be a fair resolution to your issue? 

I believe that Chase should and is required to make credit equally available to all consumers and because of this failure, I am requesting that Chase contact XXXX to remove the credit inquiries of XXXX/XXXX/14, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, and XXXX/XXXX/15 and further, to delete these accounts from my credit report as Chase indicates that they are unable to verify my identifying information despite XXXX informing me that my credit file has the correct information listed. A statistical analysis of Chase applications for the Chase Freedom card will document that Chase has n't made credit equally available to consumers.
Product: Debt collection

ECMC is reporting inconsistent and inaccurate information to XXXX, XXXX, and of the XXXX. In reference to XXXX accounts with the same account # XXXX, they are reporting it as a " closed account '' to XXXX, an " open collections account to XXXX, and a " closed collection '' account to XXXX. These inaccurate reports to the major credit bureaus are damaging my credit worthiness and my credit score and should be DELETED under Secction 611 ( 5 ) ( A ) of the Fair Credit Reporting Act.
Product: Debt collection

XXXX XXXX called my father and my sister and my work phone number stating that charges are being filed against me in XXXX XXXX by XXXX XXXX XXXX unless I call to pay today. I have not received a debt validation letter, no one has called my personal phone number, and I do NOT provide third party phone numbers to any one. I have no idea who this is or why they are calling but it is humiliating to me and very distressing to my family members and coworkers who believe this to be true and are worried I am going to jail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent in a dispute letter with my facts and law in regards to the inaccuracies and violations contained on my consumer report well over 45 days ago, and Ive yet to receive any investigation results back from the XXXX reporting agencies, XXXX XXXX, Equifax, and XXXX. The law clearly states, failure to investigate and get me back my results within 30 days, give reason to immediately deleted those items that shouldnt be reporting on my report. I feel like Im being taken advantage of and would like for the reporting agencies to delete these accounts immediately so I can continue to move froward and provide for my family. Thank you in advance.
Product: Credit reporting or other personal consumer reports

I filed a complaint thru CFBP online on XX/XX/2024. Please see attached. It was VERY CLEARLY MENTIONED THAT IT WAS NOT ABOUT IDENTITY THEFT AT ALL. FRAUD COMES IN DIFFERENT SHAPES AND FORMS. You should know that by now. Yesterday of XX/XX/2024, I received a mail from TransUnion about Identity Theft Related Request letter WHICH I DID NOT REQUEST RECENTLY AT ALL. STOP HARASSING ME WITH MAILING ME THIS LETTER THAT WAS A TOTAL LIE. DO YOUR JOB IN A PROPER WAY, INSTEAD OF HARASSING DISADVANTAGED CONSUMER WHOSE LIFE HAD BEEN UPSIDE DOWN ALREADY. YOU WILL NOT BREAK ME. JUSTICE MUST ALWAYS PREVAIL. XXXX Credit bureau did not harass me with this kind of letter at all. XXXX did a remarkable job considering all my provided information from the law enforcement agencies and made a smooth conclusion to my complaint. You have everything in front of you already.
Product: Debt collection

They told me they will help me with my debts and they took {$870.00} from me and they only paid {$160.00} for the creditor. 
They took all the money claiming that is their commission.
Product: Debt collection

NCA has refused to validate the debt that they are reporting on my credit report. They have never sent me letters or emails telling me I even had a debt with them. We didnt find out until we started our home purchase. I tried to call and verify the debt and ask for a pay for delete just so I could get it off my report so we can move forward with our home purchase however they are refusing that as well. I have a letter that they agreed to delete an account for another person only AFTER they filed a complaint with the CFPB so this is my last resort at getting this removed from my report. Thank you for any help with this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

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 XXXX XXXX XXXX XXXX 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 right to privacy. 15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This loan was taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an EMERGENCY dispute.This needs to be reviewed by a human, and a supervisor immediately..This is a new dispute that will also touch on other violations that is in need of immediate viewing by the staff at XXXXThis is not a duplicate dispute as claimed by the collection agency XXXX XXXX XXXX , do to their immediate actions today to conceal this dispute against them recently in a manner that is profoundly concerning and I feel others may becoming a victim or have been to this behavior and other actions by them -. I chose the closest descriptors to this complaint as the cfpb does not have an option for me to chose coercion against me in a personalized letter to me which is a direct violation of the rules, regulations, laws, ethics and federal agencies as a part here of, have pledged to do after creditors or collection agencies or furnisher that uses any form of communication including, and specifically addressing coercion as one of the most serious violations that a collector could engage and willfully cast upon anyone that has a collection with the so called collectors Company Furthermore, today The same company, XXXX XXXX XXXX, witted themselves in a clever process of spamming replies to CFPB and apparently tagging all responses as duplicates to other complaints that they fell short of, did not resolve, and has not provided one satisfactory resolve to the amount of disputes filed against them - it seems to me that XXXX XXXX XXXX have cleverly learned how to manipulate this dispute process with CFPB as they have for years with the credit bureaus and I have proof that they have perjured themselves many times by supposedly validating the two medical bills in question on my report for years with all three of the major Credit bureaus, according to their many responses to me, but they admittedly told you in a previous complaint that they did not have ang validation documents and they would get in touch with their client the original client and have them send me that informationand guess what- they didnt, but they did send me a letter with content that was wrong, threatening by coercion withs regards to me filing disputes which by the way were all ethical and permitted by law, and now we are bringing to your attention their act of misuse of this CFPB And mountains of proof, I am filing this with CFPB and if the FTC and if this is not addressed immediately I am reporting them to the FBI for the many many issues and their reporting of - to my credit account. I have been more then lenient but the behavior of that company is appealing and is making a mockery out of this entire system and violating my civil rights along the way with no remorse or contribution to the ongoing damages upon me.
Product: Debt collection

I was shocked when I pulled my credit report and saw fraudulent credit card/collects was on my report. I have called mailed, and disputed online and never opened XXXX or LVNV Funding account. 
I do not have any knowledge of this on my credit report! I never authorized this credit card to be opened. I was only XXXX XXXX XXXX at that time. I have called, mailed and disputed online and they have not removed the account. I am now asking CFPB to enforce the FCRA as they have violated my rights as a consumer and broke multiple laws/
Product: Payday loan, title loan, or personal loan

I had to take this loan to help out my family. I am struggling to pay it off but I do want to pay it off if the company would work with an easy payment plan.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a 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 in accurate.

15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

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

Acura Financial Services phone # XXXX, have reported to all credit bureaus my account 30 days delinquent in XXXX twice, I have never been 30 days past due for this account, loan paid off back in XXXX. I spoke with XXXX from call center on XX/XX/XXXX and he reviewed account with supervisor XXXX, yet he was unable to provided me with supervisor contact information because they do not take calls which seemed unprofessional. I tried to refinance my loan with XXXX XXXX XXXX XXXX and was denied simply because I seem to be a risk due to XXXX fault.
Product: Bank account or service

I opened a Citigold checking account on XXXX XXXX, XXXX, using promotional code XXXX. This offer entitled me to XXXX XXXX XXXX miles for opening the account, making billpays in 2 consecutive months, and making {$1000.00} in debit card purchases. The terms and conditions stated that " This offer is available to Citi/Aadvantage credit cardmembers who receive this communication. '' Since I was a Citi Aadvantage cardmember, and received " this communication '' ( i.e. the promotion disclosure ), I applied for the account and completed all requirements. On XXXX XXXX, XXXX, a Citibank representative confirmed I had completed the requirements and would receive the bonus within 90 days. The miles had not posted by XXXX XXXX, XXXX, so I contacted Citibank to obtain a resolution. Citibank refused to pay out the bonus multiple times, even after confirming I had met all requirements, and after collecting {$60.00} in monthly fees for the account. I believe the CFPB was created to remedy the use of these bait-and-switch tactics by banks, and working directly with Citibank has proved fruitless.
Product: Credit card

On XX/XX/XXXX, a fraudulent/unauthorized inquiry from XXXX XXXX appeared on my XXXX and XXXX credit reports. I made several attempts to contact the company with the earliest being in XXXX, and the latest attempt being today, XX/XX/XXXX. I was provided the same information previously provided that there would be an investigation, and I would be contacted in XXXX days. Once again, I explained that I had not applied for credit with this financial institution and requested that this inquiry get immediately removed from my report.
Product: Vehicle loan or lease

XX/XX/year> {$0.00} balance was updated on my credit report by Ally Bank in reference to a vehicle loan that was covered by XXXX XXXX  and I haven't received any letter or notice in regards to the {$0.00} balance other than from my credit report.
Product: Credit card

I have previously submitted an appeal, appeal number : XXXX. However, the issue has not been resolved, and the appeal has been closed. PayPal 's feedback was that my account is in different countries, so the US can not handle my issue. 

What I need to convey is that this transaction issue occurred in XXXX XXXX XXXX XXXX, and I did not receive the corresponding service. The reason I did not receive the service was that I reported a suspected double charge to PayPal, and as a result, PayPal proactively canceled my hotel reservation. Detailed information and related evidence can be found in my previous appeal. 

Currently, I have received a call from PayPal. The representative spoke with me for almost an hour, eventually telling me that they confirmed the responsibility does not lie with me, but they are powerless to help. They shifted the responsibility to the hotel platform and my credit card bank, suggesting I continue seeking a solution on my own. They also mentioned they would attempt to contact the hotel platform but could not guarantee the outcome. 

My payment was made through PayPal, and as my intermediary, PayPal should protect the consumer. As a world-class company, it is highly irresponsible to shirk responsibility and treat users this way. 

My request is for PayPal to take this issue seriously under the supervision of the CFPB and provide me with a fair resolution. I have voice recordings of my communication with PayPal, which can be provided as evidence at any time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I was in forbearance status with XXXX and it has been reported that I had late payments on these dates. This info is incorrect as I have contacted XXXX directly and was told that this info wouldn't be reported as late payments initially. Once I saw that this was reported despite the conversations that had been held I began to reach out to them direct with no changes to my report. I have since cut ties with XXXX due to this issue and consolidated my loans w/ another Student Loan company. My XXXX balance has been paid but the late reporting is still showing on all my credit reports.
Product: Credit reporting or other personal consumer reports

on XX/XX/2023 i check my personal credit report which i required from XXXX. I noticed unauthorized credit inquiries and accounts had been made. i did not approve these inquiries or the accounts and they are fraudulent. i submitted a report with identitytheft, gov and sent out letters to the bureaus to get the inquiries and accounts removed. however, i feel they are not taking it seriously so I'm submitting a report with cfcb now to see if they can help me fix this issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 did not authorize these companies to run a hard inquiry on my credit report and would like it to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX reported ( XXXX XXXX XXXX XXXX ) to CHEXSYSTEMS. The checking account was charged off for XXXX}. I have contacted XXXX XXXX collection department and fraud department. All associates I have spoken with have stated they have nothing on record of me owing any debts. I disputed this with CHEXSYSTEMS. I received correspondence from CHEXSYSTEMS stating after investigation, my dispute has been verified as accurate and therefore will be retained with CHEXSYSTEMS. I have tried to contact CHEXSYSTEMS with no luck. I either get no answer or re-directed. I am trying to understand how they came to that decision. Who did they contact at XXXX XXXX? If I had this information I may be able to rectify. I am currently red flagged with banking institutions and this has held up my financial progress. My dispute and complaint is, How can I be red flagged when XXXX XXXX can not verify I am in debt with them and CHEXSYSTEMS can not provide me with information on regards to who they spoke with to make this decision!
Product: Debt collection

After many weeks of receiving hourly phone calls from Navient, I sent them a letter instructing them only to contact me by mail, per the Fair Debt Collection Practices Act, and the calls stopped, although they have emailed me a couple of times. Today, XX/XX/19, the mother of a friend from middle school let me know that Navient had called HER and left a message for me. She is not listed as an emergency or secondary contact in any of my paperwork ; Navient should not have her number unless they dig it up themselves. This is a huge breach of privacy and a clear violation of the FDCPA, given that I had instructed them to only contact me by phone and that they contacted someone completely unrelated to me and told them they were looking for me regarding student loan debt. Per the FDCPA : " a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. '' Navient clearly violated this. 

The person who contacted her was named XXXX XXXX, and she gave the reference number XXXX and the phone number XXXX extension XXXX.
Product: Debt collection

AD ASTRA representing XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts for two pay day loans of {$660.00} and {$1200.00} on XX/XX/2013. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have done Disputes about in accurate information on my accounts