23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/2024. XXXX XXXX XXXX explained it was interest of almost {$4.00} a day until loans paid off. I was told at time of loan that payoff would eliminate interest. Why it shows more to pay off by XX/XX/2024, that my online account shows I owe as of next payment.
Product: Credit reporting or other personal consumer reports

ChexSystems Inc. furnished a response to 15 USC 1681s-2 FTC Affidavit in violation of FCRA rules and regulations regarding FTC Fraud and Identity Theft reports of victims. ( SEE ATTACHED ). In response to a fraud affidavit and supporting documentation, ChexSystems Inc. uploaded 4 documents for a total of 17 pages, ChexSystems outlines 9 bullet-points with 5 being grossly erroneous and negligent, and in direct violation of the FCRA and CFPBs laws governing reports of victims of Identity Theft. ChexSystems has engaged in a pattern of deceptive and harmful practices, including : Manipulation of Data : ChexSystems manipulated inaccurate information ( name and address ) within a fraudulent account, instead of deleting the fraudulent account entirely. This is a severe allegation, suggesting potential fraud and deception by ChexSystems.

False Denials of Communication : ChexSystems falsely claimed not to have received prior communication regarding the dispute, contradicting the consumer 's evidence of previous contact. 
Incorrect Interpretation of Identity Theft Report Requirements : ChexSystems allegedly requested a law enforcement signature on the identity theft report, which is not a requirement under Regulation V. The statement argues that the FTC Identity Theft Affidavit should suffice.

Unauthorized Communication with Financial Institutions : ChexSystems is exceeding their authority by communicating with financial institutions on the consumer 's behalf without consent, and in direct violation of Consumer Financial Protection Laws. ChexSystems is in violation of The Privacy Act of 1974 ( 5 U.S. Code 552a ), and ChexSystems violates the Gramm-Leach-Bliley Act. 
Mischaracterization of Dispute as Accuracy Issue : ChexSystems appears to have treated the fraud claim as a simple accuracy dispute, rather than an identity theft issue, intentionally delaying resolution.
Product: Checking or savings account

On XX/XX/year> I made a deposit of {$5000.00} in cash to fund a pending check in my account. The pending check was returned and I was told my account is pending to be closed. I was not allowed to withdraw the funds I had just deposited the day before. Instead I was told I needed to wait several days to receive my money back because they need to issue the check and mail it to me. 
If the account was on hold and pending closure, then they should have not accepted my deposit. The deposit was made with a teller not through an atm. This a substantial amount of money that I need to pay bills. I called customer service and they were no help. I was told I needed to just wait for the check in mail and wasn't given any time frame as to when they would mail it out.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 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 und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Debt collection

I am filing a second complaint on Financial assistance. They are trying to collect on a debt for XXXX XXXX XXXX. I have never conducted business with this credit union. They do not do any type of business in my area nor do I even qualify for there field of membership. First financial responded in previous complaint that XXXX XXXX has verified the debt on 2 different collections they are trying to collect on. One of them the account number is XXXX and the other is XXXX. I sent the credit bureaus a request to block the fraudulent information from my file pursuant to section 605B on the Fair Credit Reporting Act and they requested the credit bureaus to unblock the account duet to Material representation. I am attaching a few dispute letters I sent them Certified mail I also emailed copies to an employee or supervisor by the last name XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 

The following are the inaccurate information reflected in my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report.
Product: Credit reporting or other personal consumer reports

i try to download my credit report for annual report, and XXXX and is imposible the only that give me info is transunion but not give me my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Great Lakes about a student loan that has been transferred from them to Debt Resolution and then transferred to XXXX. All three times the loan was reported to the credit bureaus, which made it appear that I owe more than I actually owe on the loans. I spoke to a loan processor and explained to him that Great Lakes double reported and also made false claims that I maid some payment and missed some payments when I have never made a payment to Great Lakes. It was reported that I made and missed payments between XXXX XXXX. With XXXX being the last time that Great Lakes reported. I was told by the loan processor that my issue was above his pay grade and that it will be falling off in a couple of months and that I should let it fall off. He was able to see where ithe incorrect information was reported to the credit bureaus and he then transferred me to someone else that could remove the information off of my report. I was the told by an agent that I had to dispute the information qith the credit bureaus in order for them to remove it. I stated that I had disputed the incorrect information several times and each time Greaymt Lakes responded that the information was correct. She than stated that they do jave a dispute from XXXX and that I needed to dispute the inaccuracies with all four ( XXXX, XXXX, XXXX, and XXXX ) in order for it to be removed correctly.
Product: Checking or savings account

I have a business account with chase bank, I used My merchant payment link to charge a customer for services. The charge was originally processed on XX/XX/XXXX but I was told I had to wait 7 business days before they can release the money due to them having to verify the amount with the customer. Chase bank emailed me on XX/XX/XXXX that the charge was confirmed and approved to be deposited into my account for the amount of XXXX, right after I received that email I also got an email saying that my account was going to be closed and that they are no longer able to assist me along with all of my funds being held for 120 days. I called customer service for a week straight and was given the run around or a different excuse as to why I am not able to get the my money. After failed attempts with customer service I called Chases executive office on XX/XX/XXXX and spoke to a lady named XXXX, I explained the situation to her then she explained to me that they will open an investigation and I would hear from someone within 24-48 hours. I still did not hear anything back so I called the executive office from XXXX but every day they told me someone would give me a call back that same day with an update, still did not hear anything. On XX/XX/year> I called them again, after being hung up, on I spoke with another lady who told me they will call me with an update but they can not tell me much since they are only a research department, I asked her why I was being lied to and pushed around, all she told me was someone will call me back. Finally a man named XXXX called me back, he told me was theres nothing they can do but file an appeal. 
This whole situation has been a headache, I am unable to get my money even though chase has verified the amount with the customer, they know it is not fraud. My customer has also called chase, since her bank is also chase, to ask them why they have not released the money but they tell her that I am lying and I have the money. She has also tried to dispute the charge so we can figure out another way to pay me but XXXX tells her that they are unable to do anything on her end since the charge has been fully processed already. Not only is this causing issues with my customer but also with my financial situation. I am a self owned business and without being able to get these funds I am unable to work and provide for my family. I am the main provider in my family, I have 2 daughters who just started staying home for summer vacation and my wife is pregnant. Im to a point where I do not know what to do anymore and I need help with this situation.
Product: Credit reporting or other personal consumer reports

MOHELA continues to show as my loan servicer for one credit bureau, despite all loans transferring to XXXX XXXX. Therefore, when my credit report was run, it shows me having double loans : the same loans by MOHELA and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i check my credit through XXXX XXXX website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX XXXX and transunion, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX stating that my information was on the dark web. I was also affected by the XXXX breach. I have attached the identity theft report along with my social and drivers license.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SSN : XXXX DOB XXXXXXXX  Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : to dispute inaccurate information on my credit report After reviewing my credit report I noticed some inaccurate accounts on my credit report. I am requesting that you investigate the following accounts to ensure accuracy. 

I AM REQUESTING COMPLETE DELETION BASED ON YOUR INVESTIGATION. 


Please investigate the following accounts : Bankruptcy XXXX  XXXXdischarged Reference number : XXXX -all accounts listed below are related to the bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As you know it is against the law to report any information not proven accurate. PER FEDERAL LAW and the standards set forth by all committees overseeing consumer reporting agencies, continuing to report this account on my credit le is a violation of my rights. 


Please DELETE ALL LISTED ACCOUNTS IMMEDIATELY so we can avoid further potential of a consumer or legal complaint. 


Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I used paypal to pay for a XXXX  sandwich through the XXXX  app in XXXX. Fast forward to XX/XX/XXXX, my XXXX  account was used in a different state to make two unathorized purchases with my XXXX account. I contacted paypal and provide proof that I was in my home state the entire day and have never been to there other state. They still dienied my claim bevause I had a purchase agreement from the one time I bought a XXXX  sandwich in XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting act XXXX XXXX XXXX, has violated my rights.

15 u.s.c 1681 section 602 A. States I have the right to privacy.

15 u.s.c 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

am 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 Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) 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. 

These are the accounts Ive disputed : XXXX XXXX XXXX XXXX XXXX XXXXXXXX called company and wasnt resolved. 

XXXX XXXX XXXX XXXXXXXX XXXX Called debt collector and it wasnt resolved. 

XXXXXXXX XXXX XXXX Called creditor about account never being opened and was told nothing can be done. 

Hard inquiries with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not created by me.
Product: Debt collection

I have repeatedly requested that Progressive Management Systems provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Product: Credit card or prepaid card

Synchrony Bank closed all my credit card accounts, because I would n't send them vital information to them. I do not feel comfortable sending over this information, as if lost, them it leaves me wide open for fraud.     The problem is with my former  XXXX  card. I received a letter from Synchrony Bank, in which they stated that they would report my card as fully paid on time with no delinquency, over a matter of {$4.00}, they reported me as   XXXX   days late on my experian credit report. I was assured that the report would be corrected and the   XXXX    day late would be corrected and removed.     To date, this has not been done and  XXXX  is showing as   XXXX    days late, breaking their promise to me via the letter received.      FIX IT!
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. 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 information that needs to be investigated and correct : XXXX/DOFED XXXX Balance : {$3500.00} XXXX/DOFED XXXX Balance : {$6600.00} XXXX/DOFED XXXX Balance : {$2300.00} XXXX/DOFED XXXX Balance : {$2500.00} XXXX/DOFED XXXX Balance : {$3500.00} XXXX/DOFED XXXX Balance : {$6600.00} XXXX/DOFED XXXX Balance : {$890.00} XXXX/DOFED XXXX Balance : {$1600.00}
Product: Credit reporting or other personal consumer reports

This is one of my many attempts to inform the 3 credit bureaus that I am an identity theft victim and that certain data in my paperwork appear to be the result of improper behavior. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Remove any notable information regarding any claimed fraud or extortion from my credit record, assuming that no one will care. 
XXXX XXXX Balance : {$2500.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance : {$2500.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$2000.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX
Product: Credit reporting

Dear CFPB, I 'm submitting this second complaint which is a continuation of the previous complaint Case number : XXXX which is now in progress. I need to tell you that Equifax is not being correct in their procedures under the FCRA. I sent official color copies of my passport and personal identification along with the issue regarding the incorrect XXXX XXXX account showing in my Equifax file. 

As you are well aware, federal law requires them to respond within 30 days. It has now been over that period ( 45 days ) since the receipt of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies is a serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with you. They are essentially now taking 75 days which is not acceptable. I have proof from XXXX and XXXX who did diligent investigations and corrected the information with 30 days as I sent the same letter to all XXXX agencies at the same time! 

The other issue is that I was a victim of ID theft and 7 months ago sent them the police report and FTC affidavit. After spending 7 months of clearing this up I also sent letters to all XXXX agencies to remove the credit freeze and fraud statement so my files are clean. Again Equifax has not followed through on this either! I 'm going to go to federal court if they do n't get their act together.
Product: Credit reporting or other personal consumer reports

I have requested in writing multiple times debt validation after two collections appeared on my credit report from a company I have never done business with and have no responsibility to. They have not provided any of this information and my credit score dropped over XXXX points because of these accounts. I am now not able to purchase the house I was approved for before these fraudulent accounts.
Product: Debt collection

on XX/XX/2020 at XXXX XXXX central time, I received a call to my desk phone. The caller id was XXXX. I picked it up and it was a debt collection company. There was an automated greeting saying they were for XXXX XXXX and they would come to my place of business, and serve me. I clicked the option to pick to a rep. I asked them to please do not call my place of employment because I'm not allowed to have personal calls. 
The rep told " they would not stop calling my place of business until I paid them ''. I told him that was not right and I have the right to tell them to call XXXX XXXX. The rep told me " they will continue to call me everyday until I pay them '', he then said ' and if you do not pay, you will be sued in XXXX XXXX courts ''. I again asked him to remove my work phone and he declined. I let me know my work phone was being recorded and he said ' he didn't care because his phone was being recorded and calls to my job would not stop ' he hung up on me at that time. 

I have a copy of the recorded call. 
The company was IC System - XXXX XXXX XXXX XXXX - website is https : //www.icsystem.comXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX have prevented me from working outside the home for most of my life as my XXXX XXXX has worsened with age. I applied for discharge of my student loans because with an income of {$1100.00} per month I knew I could never repay them. XXXX sent me a letter stating that my student loans had been discharged as of XX/XX/2019. Then on XX/XX/2019 XXXX put these loans on my credit report showing as open and owed which dropped my FICO score by over 200 points. They insisted that I owed {$7400.00} ( almost all of which is interest ). I believe this is known as credit reporting fraud. My husband and I had a recent legal settlement and as part of receiving the settlement we agreed to move out of our home by XX/XX/2019 but the despicable actions by XXXX have prevented us from being able to obtain new housing. I have spoken to XXXX representatives on several occasions but they have refused to remove the misinformation they placed on my credit report. These means that my XXXX husband and I may soon be homeless and literally living on the street. 
It is clear that greedy XXXX is doing this in order to try to trick XXXX Americans ( among the poorest people in our country ) into paying them money these poor souls don't even owe. These loans weren't on my credit report at all until XXXX put them there through their illegal and malicious actions. No company this dishonest and lacking in ethics should ever be allowed to receive taxpayer dollars. Their corruption is an affront to America.