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

Experian had reinserted two accounts back on my credit file from XXXX XXXX  account numbers ( XXXX ) and ( XXXX ). In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they were required to notify me of the reinsertion in writing within 5 business days. They are in violation of the FCRA. I didn't received no such letters or any notifications. On XX/XX/year> I received the dispute results from ( report number XXXXXXXX  ) of the XXXX XXXX XXXX accounts I've disputed, which they deleted them both off my credit file with them. On XX/XX/XXXX, XXXX I sent a demand letter to delete the XXXX XXXX  XXXX  accounts for the violation the FCRA XXXX because they failed to notify me in 5 business days that they reinserted the XXXX XXXX accounts that they deleted. I haven't heard anything back yet about this issue, and they're still reporting these 2 accounts on my credit file.
Product: Debt collection

In XXXX of XXXX, I noticed that my wages were being garnished at an alarmingly high rate. I was never served paperwork or notified of a court action against me. I did my own research and found that my paycheck was being garnished by Atlas Collections XXXX XXXX XXXX, Indiana. I called Atlas Collections to get more information on the garnishment, the debt, and to whom the debt was owed. My initial conversation with Atlas Collections involved the representative telling me that I had not one, but two garnishment orders that would be garnished from my paycheck in the amount of almost {$20000.00}. One garnishment was for a rental property that myself and my ex-husband had rented together, and the other for a XXXX bill that occurred when I was around XXXX XXXX XXXX. Since I had a court-ordered garnishment, I didn't know what, if anything, that I could do. They were taking 25 % of my income. I have XXXX dependents, no state help, and bills to pay. This caused a significant financial impact on myself and my family. I called Atlas Collections again in either XXXX or XXXX of XXXX ( this can be verified by my cellphone accounts ), and I spoke to a representative about obtaining an itemized statement of everything that they claim I owed to them. They responded that they would be happy to send me that information. I received a letter dated XX/XX/year> from Atlas Collections, expecting to see ALL of the " debts '' that I owed to their company alongside a breakdown of interest accrued. I received a letter stating that, " The following is an itemization of your accounts as of XX/XX/year>. '' It does not show the XXXX  account at all, rather it ONLY shows the property account that they are collecting via garnishment. I wrote to the court from where the garnishment originated and asked them to take a look at the case. I now have a new court hearing ; however, I find that Atlas Collections and the court 's " due diligence '' to notify were not entirely very diligent. It blows my mind that they were able to locate my employer and garnish my wages, but they were never able to serve me papers on the matter.
Product: Payday loan, title loan, or personal loan

I made a payment of XXXX dollars towards my loan amount of XXXX dollars which was credited to my bank account. On XX/XX/XXXX I look to see if the amount has been processed and moneylion is showing I havent paid anything which is not correct my next payment is XX/XX/XXXX in the amount of XXXX dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

I have complained about these account before and I never received any correspondence. please verify the following account or delete them : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 
According to the provisions of the Fair Credit Reporting Act 609 e2 A1, 621 A1 623 A1 and 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. In the interim, these items should be noted on my credit record as in dispute. I am also requesting the names, addresses and telephone numbers of individuals you contacted so that I may follow up. If it is determined through your investigation that the disputed items are inaccurate, please correct my file and send me notification that the information has been updated or deleted. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

If you have any questions or need additional information, please contact me at address noted below if you do not attend to this matter I will sue under the color of the law FCRA section 617 ( A1 ).
Product: Debt collection

On XXXX 2024, Capital One has filed a lawsuit against me for an unpaid debt for XXXX and XXXX. This debt has been charged off and debt has been canceled. According, to Capital One arbitration Clause in their XXXX filing states that the requesting party must provide a written notice of it's intention to refer the matter to mediation or arbitration to Capital One in such capacity, the representing party within XXXX calendar days following such XXXX day. Capital One agreed to participate in the resolution method selected by the representing party.
Product: Credit card

I have credit card account with Macy 's in which I keep seeing random interest charges and late fees without any rhyme or reason. 

Even if I pay the amount in full they charge me with finance charges or interest charges. When calling their customer care department they waste a lot of time and then ultimately realize that the interest was incorrectly charged to the account. 

On another occasion, they started charging me interest on a 24-month long interest-free purchase saying they have no previous record of when the amount was charged. They only saw the outstanding balance and started applying the financing and interest charges without any logic. When questioned they reversed the charges but they have been a pain to deal with. It takes 4 hours to get to the actual agent who fixes the issues. It is insane how systematically they are conning their customers without their knowledge.
Product: Checking or savings account

I recently had contacted the FDIC and they had directed me to the XXXX. Back months ago I had noticed that there was money missing from my bank account. At least {$8000.00} dollars. I looked through all of the deposits and withdraws listed on my bank 's web site. I could not find any indications of money being withdrawn, transferred or otherwise. I called them a few times and requested printed out copies of all transactions. I looked through everything and could not find any amounts that would help pinpoint the missing money. I had spoken to several different people at the bank I deal with and they could not provide me with any answers. I had gotten to the point of a bit of frustration and had not called them in a few months. So basically I was getting nowhere with speaking to them on the phone. What it has seemed is that they can not offer help or assist me with remedying this ongoing issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX Balance : {$25000.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

I had an XXXX Visa from Chase Credit Cards. last year I noticed I kept getting charged a late fee even though I was making my payment on time. I spoke with a Customer Service Representative ( CSR ) who explained they were in the right and I was in the wrong. I told them to cancel my account, which they did. I still had an outstanding balance so I continued to pay it down until it was within a reasonable amount before paying it off. On XX/XX/XXXX, I logged onto my account to make my XXXX payment when I noticed that I was charged a {$25.00} late fee on XX/XX/XXXX even though I had made the minimum payment of {$25.00} on XX/XX/XXXX. My online statement also showed that my payment was paid on XX/XX/XXXX. I called and spoke to a CSR who told me that if I had waited until XX/XX/XXXX, a late fee would not have been charged. I explained that this is why I cancelled my credit card in the first place because of these ridiculous and unethical business practices. He agreed to remove the {$25.00} late fee. I requested a confirmation number, but he stated they do not do that, but it would show up in my next statement. When I went to pay my XXXX payment, I saw a {$27.00} late fee charged on XX/XX/XXXX even though I paid my XXXX payment on XX/XX/XXXX, which shows on my statement. I called Chase again, and I spoke with another CSR who stated that it was my fault because I paid my XXXX payment on XX/XX/XXXX. I asked to speak to a manager, and the manager made a futile attempted to get the late fee waived and to reduce my minimum payment back to {$25.00} instead of {$54.00}. When the manager came back on the line she claimed that they were unable to take the late fee off or change my minimum payment back to {$25.00}, and told me I would continue to be charged a late fee if I did not pay {$54.00} by XX/XX/XXXX. I hung up on her at that point.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 


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

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX & XXXX XXXX  XXXX XXXX : {$3200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4200.00}
Product: Credit reporting or other personal consumer reports

Today, I am writing this complaint to CREDIT MANAGEMENT LP regarding the incorrect information on my accounts. I sent them a letter requesting for investigation of those accounts mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report. 
payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has a mixed report for my name. It includes credit accounts for myself AND my father. I called today and they would not fix over the phone. 

I am applying for a mortgage and cant get approved until this is fixed. There is no issues with the other major credit reports - only Equifax has a mixed report.
Product: Credit reporting or other personal consumer reports

Fraudulent information appears on my consumer credit report due to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ), XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove the inquiry immediately. The above company has been XXXX XXXX XXXX keeps running my credit repot without permissible purpose .The company keeps pulling my credit without my permission. This has been happening since XXXX XXXX. And again on XXXX XXXX they should not be running my credit report they have no reason to keep run my credit report
Product: Credit reporting or other personal consumer reports

I filed a complaint with the Bureaus a month ago, but the wrong info on my report is still there. I haven't heard back from them, aside from your message saying the company replied to my complaint. How can I trust that they've really looked into the inaccuracies? What steps did they take to verify the accounts? This whole thing is so frustrating! It's been over 30 days since I reached out, and the disputed accounts are still unchanged. If this keeps up, I might have to consider legal action because of the stress it's causing me. Plus, I'm worried about my personal data security after the XXXX, XXXX, and Transunion breach.
Product: Credit card or prepaid card

I have informed Discover Bank on several attempts to dispute the fraudulent charge from XXXX XXXX XXXX XXXX Amount {$570.00} Dispute # XXXX and XXXX XXXX XXXX XXXX CO XXXX {$160.00} Dispute # XXXX. They have disputed it and reversed the charge and charged it back to my account over XXXX without providing the consumer ( myself ) the validation of the allege fraudulent charge with XXXX nor did they provide proof of allege debt for XXXX XXXX as this was not fraud but the services was not rendered nor performed as they did not let customers through to catch flights due to the long line and short staff. 

Discover even went as far as providing a new card due to the agent charging me without my consent/notification all to place the charge {$570.00} back on my account.
Product: Debt collection

It has come to my attention that there is an alleged debt that I have been alleged to owe. Please be aware that according to article 9, the assignment of a defaulted Alleged debt is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692 ( e ) ( 12 ). I am not validating any alleged debt with Amsher Collection services and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of the XXXX of XXXX, 2023, I have not received any documentary evidence such as a Trilateral contract giving Amsher Collection services any right to collect on this alleged debt. If Amsher Collection services can not provide me with proof such as a tracking number that they attempted have lawfully entered into a contract with my person, prior to furnishing this on my consumer report, it will have been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this alleged debt pursuant to 15 USC 1692 ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until Amsher Collection services can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Amsher Collection services continues its collection efforts ( which includes negative credit reporting ), I will file for litigation for actual damages caused and Amsher Collection services will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028a, extortion, theft by deception, securities fraud and mail fraud. Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Checking or savings account

I got scammed and sent money to someone that I thought worked for chime. It was stupid of me. They knew my name and how much money was in my account so I started to XXXX out because I thought my account was hacked and I believed them. I first got a text saying someone tried to use my card so I called chime. It wasnt them and I sent money to what I thought was my new bank account and it wasnt. So I lost {$410.00}. I filed a dispute with chime and they denied my claim twice and I also filed a police report. I sent all the information to the police and my bank for the dispute. They still denied me.
Product: Debt collection

XX/XX/2018 was told I owed XXXX XXXX {$33.00} due to an old account when i called. When you go to their website and enter the reference number it says no record was found. So the gal that was extremely aggressive said if i dont pay with a debit or check over the phone my credit would be damaged and they will come after me. For {$33.00} come on I'll pay it but if your website is showing no reference then I am not comfortable giving someone my check info over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Texas XXXX SSN : XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX Dear Experian XXXX XXXX, This letter is a formal request to remove unauthorized inquiries from my credit report. I havent applied for credit because I know my credit is not good due to false and wrong information on my report. I have also never had an account with you. 

XXXX XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Please note that before making this request, I sent letters to the organizations responsible for these inquires asking them to remove their unauthorized inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter. 
In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 
Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at ( XXXX ). 

Sincerely, XXXX XXXX XXXX
Product: Credit card

Today is XX/XX/2024. In the mail I received a debit card I never applied for. It looks like a MasterCard but it doesnt say Master card on the blue credit card. It has my name on it. I did not fill out any application for this card. It was me to activate it but I didnt do that, nor do I want to call a robot that will automatically assume I want the card. 
I dont know how they got my name and address, but this apparently it is from the IRS ? Internal Revenue Service. I have XXXX XXXX do my takes they gave direct deposit info to the IRS for the past several years. The IRS never told me about this card. It feels like this is bogus but I could be wrong.
Product: Credit card or prepaid card

Yes they closed my account due too activity. I'm.on XXXX going thru hardship. They also hurt my credit score. Not fair what they did. I would like them too give the credit back too me. Help my score. I was not able too see XXXX due too corona viruses. That's why was not active.
Product: Credit card or prepaid card

XX/XX/XXXX realized wallet was stolen with XXXX debit card and XXXX credit cards and drivers license. Tried to log into Bank of America online but unsuccessful. 
XX/XX/XXXX called fraud dept of Bank of America and other credit cards reported them stolen and requested new cards XX/XX/XXXX card was used at XXXX store XXXX twice on same day for total of {$4300.00} XX/XX/XXXX went to boa branch for assistance talked to XXXX XXXX for account status. 
XX/XX/XXXX recd letter from boa rejecting my fraud claim. 
XX/XX/XXXX called boa fraud dept. spoke to XXXX who said would resubmit claim XX/XX/XXXX boa branc spoke to XXXX who called fraud dept. later called fraud dept and talked to XXXX. 
XX/XX/XXXX spoke to XXXX in fraud at boa XX/XX/XXXX recd letter denying claim spoke to XXXX XX/XX/XXXX called boa with police case number. XXXX gave me dates and names
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed multiple accounts and Inquiries on my report from XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Then there is a Auto Loan from XXXX  XXXX XXXX which states its 30 days late in XXXX 30 days late in XXXX then 60 days late in XXXX which is not even possible