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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX SSN : XXXX | DOB : XX/XX/XXXX Equifax Disclosure Department XXXX. XXXX XXXX XXXX, GA XXXX I am outraged that your company continues to maintain a dismissed ( filed ) bankruptcy as confirmed on my credit report. This unconfirmed, unverified, and dismissed ( filed ) bankruptcy has stopped me from obtaining credit. I know for a fact your company receives information on bankruptcy from a third-party system known as a XXXX XXXX. The XXXX  XXXX  is inaccurate and incomplete since the XXXX XXXX  does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the  county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it is your company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from date of adjudication or date of order of relief. 
Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. 
Considering this does not require an investigation, I would appreciate an updated copy of my credit report showing no bankruptcy withing two weeks from the date you receive this letter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed the balance on my student loan is reporting inaccurately and is adversely affecting my credit score. This inaccurate reporting does not meet the FCA reporting requirements.
Product: Debt collection

Portfolio Recovery Associates , LLC Re : Dispute of Alleged Debt Account Number : XXXX To Whom It May Concern : I am writing to dispute the alleged debt you claim I owe. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 

XXXX. I dispute the validity of this debt and request verification pursuant to 15 U.S.C. 1692g ( b ). 

XXXX. Please provide evidence of your legal standing to collect this debt as required by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ). 

XXXX. Provide a copy of the original contract or agreement between myself and Portfolio Recovery Associates , LLC that created this alleged debt, as per XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 

XXXX. Furnish documentation showing a clear chain of title proving you have the right to collect this debt, as established in XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ). 

XXXX. Provide an itemized accounting of the alleged debt, including all interest, fees, and other charges, in accordance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX ). 

XXXX. Confirm that this debt is within the statute of limitations for collection in my state. 

XXXX. Verify that you are licensed to collect debts in North Carolina, as required by North Carolina state laws.
Product: Credit reporting or other personal consumer reports

I have about 4 or more hard inquiries on my account. I had gotten alerts about credit inquiries that are not mines. I been dealing with this for months when I called each company Ive been giving the run around. Saying that they see nothing in their system but yet its on my credit report. Having a huge impact on my credit. It needs to be removed. I want on identity theft.gov I am a victim of identity theft none of these inquiries belong to me.
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 In accordance with the fair credit reporting act convergent account XXXX XXXX account # XXXX, has violated my rights. 
15 USC1681 Section 602 States I have the right to privacy.

15 USC1681 Section604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

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

15 USC 1681 ( e ) b States the accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of information concerning the individual about whom the report relates.

Im also requesting a 1099 c form all charge offs is income This account is inaccurate it was charged off three times but written off once
Product: Checking or savings account

Hello my name is XXXX XXXX and I was banking with chime I've been a customer over 5 years and they just closed my account I probably think it was because I reported numerous XXXX transactions and I wanted my money back they closed my account with out a notice I usually get my XXXX tax return and all my school financial aid they just closed it
Product: Credit card

I noticed unauthorized transasctions on my statement and reported it to Chase. They claimed that they completed their investigations and determined these charges were valid and I would be responsible for paying them. That is patently false as there is enough evidence to show that these charges were not authorized by me and they are not prepared to give me any proof of their investigations. They claim that these purchases were made using my digital wallet ( XXXX XXXX ). These purchases were made hundreds of miles from where I live.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions
Product: Mortgage

My Mortgage Company XXXX XXXX XXXX withdrew my mortgage payment twice instead of once on XX/XX/XXXX for payment due XX/XX/XXXX. {$740.00} was deducted twice. We contacted them via phone on XX/XX/XXXX and they said we had to email a screenshot of the bank statement and we would hear back in 24-48 hours. We received an email saying they were reviewing the claim on Thursday XX/XX/XXXX. I called back Monday XX/XX/XXXX because we had not been credited the second payment. They said this would be reversed on XX/XX/XXXX which I told them was unacceptable as an electronic transfer should take 1 day. I asked to speak with a manager and was put on hold. When the person came back on the line they said they had fast tracked the reimbursement and I would have it by end of day XX/XX/XXXX, I asked him why I did not get a manager as I had asked for one and he said none were on the floor. Today XX/XX/XXXX I still have not been reimbursed for the second payment they deducted from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX credit card 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 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 inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00}.
Product: Credit card or prepaid card

On or about XX/XX/2022, I had opened a Raymour and Flanigan credit card through TD bank. I had no idea they had authorized the credit card in the amount of {$15000.00}. There is no way I needed or wanted that amount of credit as I was only buying a sofa. I contacted Raymour and Flanigan and TD Bank the same day and requested that they close my account. I have a letter in my possession from TD Retail Card Services dated XX/XX/2022 that I had a zero balance and that they closed my account. I am concerned since I am still getting emails from TD Bank and Raymour and Flanigan as well as from XXXX stating that on XX/XX/2022 they are still reporting this account to the credit bureaus which I have no control over. 
I am going to report this as fraud to the credit bureaus if TD does not correct this.
Product: Debt collection

In XXXX of XXXX, I received a call about a debt they said that I owed to XXXX in the amount of {$6100.00}. I told them that I did not owe any money to XXXX and that the last time I had dealt with XXXX was in XXXX when I closed my credit card account with a balance of zero. 

When they tried to push this again, I tolad them that they either had the wrong person or a fraudulent account. It told them to stop harassing me as the debt was not mine. I never heard from them again. 

Last month a different company contacted me about the same debt. The caught my attention because my credit score dropped by XXXX points. Again I told them that the account was not mine and filed a complaint with the CREDIT Bureau. After researching it as little as they did, the credit bureau said that the complaint was real. 

I asked the collection company to show me proof that I opened this account.. They said that they would. In the meantime, I contacted XXXX and they had no record of my having a delinquent account. This time the collection company sent copies of two statements looking like a XXXX statement. The first one had several problems. Number one was that my first name was misspelled. Number two it showed that supposedly I made a payment to them in the amount of {$110.00} on XX/XX/XXXX of XXXX. I took that information to my bank and asked for a copy of my bank statement from XX/XX/XXXX through XX/XX/XXXX. There was no payment made to anyone for that amount, and no payments of any kind to XXXX. During this time I received a copy of my credit report and there was no XXXX account reported open in the credit report after XXXX. I have reported this as fraud to the collection company they are now labeling this as a possible fraud account.
Product: Mortgage

ever sense my bank sold my account to this company its been a nightmare first for the first year I had no idea where to send my payments they where sending my letters to wrong address and had my phone number in there system off by one digit when I try sending my payments no such account existed when I finally found my account i owed them a bunch a late fees I brought my account up to date in XX/XX/XXXX and I started paying an extra {$300.00} toward my 2nd mortgage in XX/XX/XXXX it is automatically withdrawn from my bank account the payment is {$680.00} monthly {$380.00} for my regular payment and extra {$300.00} for principal the company has withdrawn the money and my extra principal is not being applied correctly its shows a unapplied funds moving forward from first contact with company back in XXXX my funds are still not being applied to my principal and now they saying I owe for the month of XXXX and XXXX payments where are my extra XXXX XXXX monthly payments I'm paying this company going I've been patient and called numerous times and keep getting same response for months now that they are working on it and that their cashiers department is aware of the issue so unprofessional and by what I've read on the XXXX  I'm not the only one having this issue with payments not being applied correctly and charging outrageous fees they need to be investigated we have been trying so hard during this pandemic to stay on path with our payments and companies like this thrive off our hard earn money.
Product: Payday loan, title loan, or personal loan

VIOLATION { FDCPA } { 805 } { 15USC1692 } ( C ) [ PARA ] ( C ). CAUSING THE TELEPHONE TO RING REPEATEDLY OR CONTINUOUSLY AND MAKING REPEATED AND CONTINUOUS TELEPHONE CALLS WITH THE INTENT TO HARASS AND INTIMIDATE THE PERSON AT THE CALLED NUMBER 3 TO 4 TIMES DAILY..A CEASE AND DESIST COMUNICATION DEMAND LETTER WAS GIVEN TO THE CASH STORE ON XX/XX/18 AT THERE CORPORATE OFFICE AND THE LOCAL BRANCH BUT THEY JUST IGNORE MY LETTER.AND KEEP ON HARASSING ME AND CALLING MY SON AT WORK GETTING HIM IN TROUBLE BECAUSE THEY DON'T ALLOW CALLS.THEY CALL MY FAMILY MEMBERS ASKING QUESTIONS NOT RELATED TO ANY LOAN PROBLEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting another CFPB complaint as a follow for the previous CFPB complaint I submitted last XX/XX/2022. I discovered that some of the information being reported on my credit report are incorrect when I reviewed it. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected as soon as possible : XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XXXX  XXXX Balance Owed : {$610.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$460.00}. Also, I would like to request that the credit Bureaus send me copies of proof of veriication as a result of the Credit Bureuas investigation.
Product: Vehicle loan or lease

First Investors Servicing Corporation INC, has used my consumer right and over charging me on my money out my XXXX XXXX and violating my rights with such criminal act of smooth words and deception. I am requesting clarification and stop any unauthorized activities immediately on my cesta qui account! 

First Investors Servicing Corporation INC acct # XXXX XXXX Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I started to do some research on my credit and I realized that equifax had a data breach I put my information on the website and it says my personal information was impacted by this incident. I do realize that I am pass the claim for money but I would like the items affected by this to be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Today XX/XX/2020 I received in the mail from Express recovery services, INC that they got a Motion for disclosure order of judgment debtor 's employment information, when on XX/XX/2020 I told them that I have been unemployed scents XX/XX/XXXX. Not only did I not know of any judgments they never told me of any. I told them I was unemployed and I was starting a new job in a few weeks, they then proceed to ask me how am I paying my other bills. I do not know who that collections is for. The amount on the paper work I received to day stated that the original was {$140.00} with interest of {$17.00} and attorney 's fees of {$350.00} and court costs of {$100.00} for a grand total of {$610.00}.
Product: Credit card or prepaid card

On Tuesday XX/XX/XXXX, my wallet was stolen from work, so I call Card.com to cancel my card as well as order a new one. It offered me the option of overnight 1 business day mailing for {$29.00}. However, after calling today I was told that I would not be receiving my card until Tuesday XX/XX/XXXX, which is unacceptable. They took my money based on the perception of a next business day delivery. I even called back and recorded the IVR given this deceptive information. I would like them to be accountable for the promises they make and return my money as they did not provide the service expected. I spoke with a supervisor by the name of XXXX with employee number XXXX, he stated that they never offered overnight service and my card had been sent XXXX using 3 day mail, although their IVR states differently. This is an unfair business practice and they need to be called out on it. Complaint is against Card.com thier customer service contact is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, and XXXX  all verified the following Bankruptcy on my report : US BKPT CT GA XXXX # XXXX. On XX/XX/2020 I requested the method of Verification they used and they did not respond. Pursuant to the FCRA they have 15 days to reposed with their method of verification or the info must be removed. They never resounded so I am demanding they remove this bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were fraudulent accounts as well as an inquiry, XXXX wrong addresses and an incorrect name. 

ACCOUNTS 1. XXXX XXXX -DATE XX/XX/XXXX 2. CREDENCE RESOURCE MANA XXXX XX/XX/XXXX 3. XXXX XXXX XXXX - DATE XX/XX/XXXX 4. XXXX XXXX - DATE XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX INCORRECT ADDRESSES : 1. XXXX XXXX XXXX XXXX, NY XXXX 2. XXXX XXXX XXXX XXXX XXXX, NY XXXX INCORRECT NAMES : 1. XXXX XXXX
Product: Vehicle loan or lease

I emailed the ceo of Capital one XX/XX/XXXX regarding late payment removal of on my auto loan from XXXX XXXX also XXXX XX/XX/XXXX. I explained that I had reasonable cause which was the burden of financial hardship during XXXX pandemic and since XXXX I have remained consistent with on time payments on my loan. On XX/XX/XXXX. I received a letter in the mail from COAF credit bureau dispute, advising no changes will be made to my consumer credit file.
Product: Debt collection

I have no knowledge of this debt or collection, I have had full coverage for medical bills There is no need for this debt when I am fully covered with health insurance. 
I want these 2 accounts removed from my credit report
Product: Debt collection

I owed money, I am not even sure how much to XXXX and it ended up in a debt collectors/attorneys office. He took me to court which I was notified about and put a judgement in which I was not notified about and froze all of my accounts. The debt is now {$2200.00}. I had an account with my XXXX son when he was younger and he never removed me. They have now frozen his account which his paycheck gets deposited into. They have frozen {$4500.00} with no end date which means they can hold my sons money as long as they want and it is in excess of amount owed. This is abuse of power and theft. I have called bank numerous times and my husband called Stern and Stern to no avail. They are abusive when you call them. This needs to end and my sons money returned. Companies should not be allowed to do this
Product: Credit reporting

I signed up for the XXXX XXXX month period with Equifax.com, and when I signed up, they charged me XXXX XXXX, XXXX charges instead of their so called deal. When I spoke with them, the fail to give me a refund for charging me XXXX. Plus, their score is so underrated that I had to consider signing up with other credit bureaus because Equifax credit score is so low is hurting my credit history. Equifax should be placed out of business.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 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 XXXX 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 inaccurate.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX, XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : I am filing this CFPB complaint to request that XXXX XXXX pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), block information on my credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX Account number ( XXXX ) XXXX XXXX XXXX  Open on XX/XX/XXXX Account number ( XXXX ) XXXX XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) XXXX XXXX  Open on XX/XX/XXXX Account number ( XXXX ) XXXX XXXX XXXX XXXX on XX/XX/XXXX Account number. ( XXXX ) XXXX XXXX XXXX. Open on XX/XX/XXXX Account number ( XXXX ) XXXX XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ). Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXThese accounts have led to several unauthorized hard inquiries and fraudulent collections on my XXXX credit report. All these accounts, collections, and inquiries are the result of identity theft and fraud. Enclosed is a copy of the FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the U.S. Federal Trade Commission that all the mentioned credit accounts, collections, and inquiries are due to identity theft and fraud.