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

- Name : XXXX XXXX XXXX - Address : XXXX XXXX XXXX, XXXX  XXXX, XXXX, MI XXXX -New XXXX XXXX  XXXX XXXX XXXX XXXX MI XXXX - Old  - Phone : ( XXXX ) XXXX -New ( XXXX ) XXXX - Email : XXXX - Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX Complaint : I am submitting this complaint to request the immediate deletion of the XXXX XXXX XXXX XXXX account XXXX XXXX : XXXX XXXX, XXXX  - {$240.00} ) from my credit report. This account is inaccurate, and the derogatory marks are causing me significant harm. 

I also dispute the multiple different open and closed dates reported on my credit report for this account. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires that credit reporting agencies ( CRAs ) ensure the accuracy and completeness of the information reported. 

Furthermore, I dispute the validity of the debt being collected by XXXX XXXX XXXX XXXX. As a third-party debt collector, they have failed to provide me with a wet signature or the original contract, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Truth in Lending Act ( TILA ). 

I invoke the following consumer laws to support my request : 1. _Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq._ : This law requires that CRAs ensure the accuracy and completeness of the information reported.

2. _15 U.S.C . 1681b_ : This law requires that CRAs verify the accuracy of disputed information and delete or correct it if it is found to be inaccurate.

3. _15 U.S.C . 1681i_ : This law prohibits the reporting of inaccurate or incomplete information, including multiple different open and closed dates.

4. _Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692 et seq._ : This law prohibits debt collectors from engaging in harassing, oppressive, or abusive conduct.

5. _15 U.S.C . 1692g_ : This law requires debt collectors to provide consumers with a validation notice, which includes the amount of the debt, the name of the creditor, and a statement indicating that the debt will be assumed valid unless disputed within 30 days.

6. _Truth in Lending Act ( TILA ), 15 U.S.C . 1601 et seq._ : This law requires creditors to provide consumers with clear and conspicuous disclosures regarding credit transactions.

7. _15 U.S.C . 1638_ : This law requires creditors to provide consumers with a copy of the credit agreement, which includes the terms and conditions of the credit transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit applications. Only authorized was XXXX XXXX. XXXX XXXX, and XXXX XXXX. All others are unauthorized
Product: Checking or savings account

XXXX took {$280.00} from my checking account with Chime Bank on XX/XX/XXXX for a concert that was supposed to take place on XX/XX/XXXX. I was notified the tour and concert were POSTPONED indefinitely and that I would be eligible for a refund and on XX/XX/XXXX I contacted XXXX for a refund. XXXX customer service told me on XX/XX/XXXX that the " Event Organizer '' who they could not name was in charge of issuing any refund and that they would be in charge of contacting me next to tell me about how to get this refund. Who I assume is the XXXX XXXX XXXX XXXX CA or XXXX the band, never contacted me regarding any refund so after waiting past XXXX and XXXX and bank and business holidays I reached out to XXXX on XX/XX/XXXX who tried to tell me I had missed the finite 30 day window in which to request a refund which they said was from XX/XX/XXXX to XX/XX/XXXX only. 

I was never contacted by " Event Organizer '' and XXXX is trying to just get me to go away with no delivered service. There is no tour date re-set and I have been on the phone with all of these companies : XXXX, Chime Bank, and XXXX XXXX for a total of 5 hours of my life to date. 

I checked daily from XX/XX/XXXX on the XXXX website for the option to automatically request a refund and there was none available as the website said " The Event Organizer is working on rescheduling the event. Hold on to your tickets '' The latest call I made was to XXXX XXXX today. Chime Bank Customer Service is now non-existent for appealing the dispute which they denied to give my {$280.00} back. 

Charged in XX/XX/XXXX and the {$280.00} was expected back in a reasonable time frame after XX/XX/XXXX when I made XXXX aware of my refund request for the full amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is not reporting to XXXX  or equifax
Product: Debt collection

I attended the University XXXX XXXX University  online fall 2020. I received a unsubsized loan and subsized loan from the Department of education. I currently have a XXXX gpa at the school. I received an email on XXXX XXXX stating I have a balance and they were sending it to a collection agency. I email XXXX XXXX back and stated that my balance is handles by loan servicer. These are not private loans are money given to me the school. The loans are already included in my educational loan debt. I even verified by accessing my national student loan data and speaking with my loan servicer. So the XXXX XXXXXXXX XXXX  sent my information to a collection agency anyway. Im assuming the collection agency obtained my phone number from the school the called several Times in a XXXX period I explained to one of the representatives at reliant that those arent private loans they were issued by the department of education. I the unknowingly received an email from the collection agency that I didnt even give my email to stating they send over the information I requested I didnt request any information because I can see my study account even on the statement it shows I received loans which are serviced by XXXX XXXX. The company is desperately trying to collect money that they dont have a right to collect and so is XXXX University XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon hopefully you guys can put an end to this. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and noone was able to help me I was just being past around to department. Please investigate these bureaus and have them delete these fraud accounts off my report. Please see my IDENTITFICATION attached and the report I filed under identity theft. Please delete these.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following reported accounts have violated my rights : -XXXX  XXXX XXXX XXXX  XXXX -XXXX  XXXX XXXX -XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on several occasions to get Experian to XXXX XXXX XXXX XXXX on my credit report, they refused even thou I have a letter from XXXX stating they will no longer update my credit report. It is my right according the XXXX XXXX XXXX the Bureaus should investigate inaccurate information. If XXXX is not updating my credit report how is Experian getting its information. XXXX has illegally reposed my vehicle and every credit reporting company has investigate and deleted this item from my credit, but Experian refuses to even investigate and when they did investigate the came back with some e-Oscar verification. I request a reinvestigation AND your Method of Verification.
Product: Credit card or prepaid card

Around XX/XX/2019 I filed a dispute with Elan Financial who services my Fidelity Credit Card. The dispute was in regards with a payment made on XXXX using the Fidelity credit card. Around XX/XX/2019 I received a provisional credit of {$1400.00}. The very following day my credit limit was reduced from {$3000.00} to {$1400.00}. About one week later the dispute was not found in my favor and the provisional credit was removed from account. My account balance went back to the original amount that slightly shy of {$3000.00}, my credit limit was now {$1400.00} instead of {$3000.00} so I was {$1600.00} over my credit limit and they wanted payment of the entire amount in one month. They are clearly in contravention with the spirit of that law which states that your credit limit can not be lowered beneath what your balance is, assuming you are not over the limit. I spent over 90 minutes on the phone with Elan financial, receiving no solution beyond pay {$1700.00} today. The point of the credit card is to spend and make monthly payments, not to simply owe over 50 % of your balance in one month. 

Also my credit report shows that I was 30 days past due in XX/XX/XXXX, despite the fact that the provisional credit covered my minimum payment before the cut off. I did make the minimum payments required for XX/XX/XXXX, but ceased form then on since I was being asked to pay a sum over 50 % of my {$3000.00} credit balance.
Product: Credit reporting or other personal consumer reports

I pulled my credit report and realize there was some fraudulent activity, I would like the account remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the record, there was no response and negative information is being erroneously included on my report, as I have advised you on two separate occasions, more than 45 days and again 5 days ago The investigation took longer than 50 days. This is a Direct Violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( a ) As you are well aware, federal laws requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), you will be liable for your willful non-compliance. Please Remove All Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC I am also keeping the companies listed below informed for your willful non-compliance : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office XXXX XXXX XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Federal Reserve System XXXX XXXX XXXX XXXX XXXX CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry on my credit report that I ( XXXX XXXX ) did not inquire about
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding inaccurate accounts that have not been removed from my credit report, despite the absence of proper verification procedures being provided for these " verified '' accounts. I recently obtained a copy of my credit report and discovered several accounts that are inaccurately listed. Despite disputing these accounts and requesting verification of their accuracy, they have not been removed from my credit report. Also, the method of verification for these accounts was not provided to me as required by the Fair Credit Reporting Act ( FCRA ). I have not received any documentation or evidence supporting the accuracy of these accounts, yet they remain on my credit report, negatively impacting my creditworthiness. I have made multiple attempts dating back to XXXX  by contacting both the credit reporting agencies and the creditors associated with these accounts. i also sent all letters via certified mail USPS so i KNOW they received my letters.. However, my efforts have been met with inadequate responses and delays, resulting in continued harm to my credit score and financial well-being.
Product: Debt collection

I 've gotten several calls on my cell phone from these people ( XXXX XXXX XXXX at XXXX and XXXX am ; XXXX XXXX XXXX at XXXX and XXXX am ; XXXX XXXX at XXXX and XXXX am ) and as I do n't know their number, I do n't answer. 

What leads me to believe this is a scam is that I 've never given my cell phone number out to anyone other than family and friends, nor has this company ( internet searches of their phone number show them to be " XXXX XXXX, XXXX '' ) sent me any written correspondence like a reputable or real collection agency would. 

When I called them today to find out who they are, they refused to identify themselves or the nature of their business. I told them to remove my name from their list and they demanded my name, address, and SSN to make sure I was not the person on their account. This is a clever way to get my personal information, and they refused to remove my name without receiving all my info first. Needless to say they got no information off me, but they 're still out there trying to scam people.
Product: Consumer Loan

Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2014, XXXX 2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

ON XX/XX/XXXX I RECEIVED MY CREDIT REPORT.ON XX/XX/year>XXXX  I SENT AND COPY OF MY BANK STATEMENT AND GOVERNMENT ID.SHOWING my NEW ADDRESS AND STATING THAT I ONLY WANT ONE ADDRESS ON PROFILE. YET YOU CAN NOT FOLLOW SIMPLE INSTRUCTIONS. REMOVE ALL OLD ADDRESSES, AND PHONE NUMBER, AND EMAIL ADDRESS AND JOB 'S.

ONLY ONE ADDRESS AND YOU HAVE INACCURATE INFORMATION ON MY CREDIT REPORT. THAT'S A VIOLATION FALSE MISLEADING. THE ADDRESS U HAVE IS INACCURATE AND ITS CAUSING AN NON VERIFICATION LOCK ON MY ACCOUNT, WHEN I TRIED TO LOGIN IN OR VERIFY MYSELF.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/1019 Tower Loan did a hard inquire on my credit report without my permission, I call the district supervisor and told him that there employee had called repeatedly everyday about three times and come to my home pounding on my door with unknown intentions after a very rude verbal altercation over the phone. The supervisor told me that they did the hard inquiry on my credit report that drove down my credit score. And if i have a complaint to file it online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit bureaus that this account is incorrect. Midland Credit Managment is stating that I have a balance of {$370.00} from XXXX XXXX. I have informed them numerous times that this account was paid in full years ago with XXXX XXXX XXXX   but yet Midland Credit continues to report it. I called them to request a payment for deletion letter to just be done with this and get it removed from my credit report to which the agent XXXX XXXX stated that he can not discuss any payment options with me via the telephone. I am requesting that Midland Credit get an update account information from XXXXXXXX XXXX XXXX and remove this collection from my credit file. If they still state that I owe money, I am requesting that they submit to me a payment for deletion letter so that I can pay whatever they fraudulently think that I owe have this removed from all credit reports! The account original # is XXXX. The midland funding LLC account # is XXXX.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft due to the XXXX XXXX breach, and I've discovered fraudlent accounts linked to my profile.XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1900.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no XXXX  party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, subsection A-D, please provide the names and business address of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, i am reporting Experian for reporting incorrect information because i have disputed XXXX XXXX several times and they stating the company is verifiable my account, so i called XXXX XXXX  again for the 6 x and a supervisor told me that my account is sold and they no longer have my account and that they have not been reporting to the credit bureau because they do not own that account no more, i ask why are they still showing on my credit they told me that i will have to dispute it with the credit bureau because they dont report on accounts they have sold to other companies that they no longer own
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an investigation request with Equifax via mail back in XX/XX/XXXX. They were supposed to respond within 30 days. Almost four months have passed, and despite previous complaints, they still have n't responded.
Product: Checking or savings account

Chase Bank mailed me a letter on XX/XX/2023. In the letter, they indicated they have decided to close my accounts. That includes all checking, savings, and credit cards. I called the phone number listed in the letter. The representative told me they can not disclose the reason for closing my accounts. Additionally, my wife 's account, which had me listed as a joint account holder, was also closed. When she called the phone number listed on her letter, she received the same response, that they can not disclose the reason. Our accounts were officially closed on XX/XX/2023. I would like to find out the reason.
Product: Consumer Loan

I fell behind on payments but have been as steadily making payments as possible with th exception   XXXX  of 17.  I called for help they were able to offer me none. The calls and messages are unbearable as they were several times a day and even the day after I made a large payment to their corporation  XXXX /17  . I asked on  XXXX /17   that they stop calling me. On  XXXX /17    XXXX  MST and again  XXXX /17    XXXX  MST for some reason the calls have resumed.
Product: Credit reporting or other personal consumer reports

The unauthorized accounts, created without my knowledge or consent, must be immediately removed. Your agency continued inaction violates my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. Given the significant impact this identity theft has had on my life, I demand the removal of the fraudulent accounts from my credit report. This situation has been exacerbated by data security breaches involving XXXX Data Breach ( Case XXXX. XXXX ), which exposed my personal information to misuse. I am requesting the immediate removal of these fraudulent accounts from my credit files. The disputed items are below : XXXX XXXX XXXX  ; Balance : {$1300.00} ; Opened Date : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX ; XXXX : {$730.00} ; Opened Date : XXXX. XXXX, XXXX XXXX XXXX ; XXXX : {$69.00} ; Opened Date : XXXX. XXXX, XXXX Your agency have continue to fail at conducting a timely and meaningful investigation, as mandated under 15 U.S.C. 1681i ( a ) ; improperly verified or ignored accounts that are clearly unauthorized ; continued to report inaccurate information in violation of 15 U.S.C. 1681e ( b ), which requires reasonable procedures to ensure maximum accuracy.
Product: Checking or savings account

Case number : XXXX Capital One froze my checking account on XX/XX/XXXX and closed it completely in XXXX. Capital One said it was due to fraud from an account that I had no knowledge of. They confiscated the balance in my account. I have called and requested information and was told they couldnt give my any information.
Product: Credit card or prepaid card

On XX/XX/2021 my phone was tooken and a unauthorized transaction took place. The person had my phone and accessed my by hitting forgot password in which the system sent a temporary pass code to my phone via text messaging. Then transferred {$100.00} to himself leaving.me with {$4.00}. I reported it right away to NetSpend. I also made a police report and pressed charges. Sent a letter and documents with report number. I did everything I was supposed to do. My claim was rejected. The person that did it was arrested and is in jail facing charges. The bank just says they can't find an error. And they are right there was no error. But there was an unauthorized transaction. What else do I need to do. Do I get a lawyer or what?
Product: Student loan

My loans were in deferment for 1.5 years during XXXX school. As I was planning to begin repayments of prior loans and loans ending their grace period, I noted many inconsistencies on my online account. The online accounts are not updated to reflect payments made regularly. It was also impossible to determine when payments were due for different loans. This information was not only unavailable online, but inconsistent with different customer service representatives even within the same day. Over the last month, I had been contemplating consolidating with another company due to the poor service. I am a responsible consumer and my experience in trying to repay my loans has been terrible. I do not trust this company in servicing my student debt and educational investments.