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

Hello, So, I have had a XXXX XXXX bank account now reporting on my credit report for almost 7 YEARS!!! I have tried everything in my power to have this account removed as it is not mine. I don't remember ever having XXXX, and i've been banking with XXXX XX/XX/XXXXfor years. I've tried disputing the account, hiring credit repair agencies and even calling the bureaus and XXXX themselves. i've talked to everyone from a customer service rep to those in corporate. I even email the CEO and his assistant to which that got me a response, but no help. I give XXXX my social, they can't look me up in the system or find me or the account, yet they tell me i am liable and responsible. This account has 5 late payments on my report which have devastated and crushed my credit. I am at my wits end and all i want is this to be removed. I have so many XXXX employee phone numbers, it is sick and i've waisted countless hours. I don't know what else to do. It is not my account, and i'll tell you what. I was considering banking with them and switching, but never would i ever do that now.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS. THE FOLLOWING ACCOUNTS ARE INACCURATE, UNVERIFIABLE INFORMATION ON MY CREDIT REPORT UNDER MY RIGHTS PROVIDED BY THE FAIR CREDIT REPORTING ACT ( 15 U.S. Code 1681 ). I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND FOUND THAT CERTAIN ACCOUNT ( S ) LISTED ARE NOT MINE AND SHOULD BE REMOVED IMMEDIATELY. I WANT THESE ACCOUNTS LISTED THAT AREN'T MINE REMOVED IMMEDIATELY. 


XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX  ACCOUNT # XXXXXXXX XXXX ACCOUNT # XXXX XXXX  ACCOUNT # XXXX
Product: Credit card or prepaid card

This company refuses to acknowledge dozens of emails to the billing disputes department or faxes to the billing disputes department. Every time I chat with them on their site, they give me the same message, that I need to fax or email, yet this leads no where. Here are the charges I have disputed at least a dozen times : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$91.00} XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3300.00} I was attending XXXX school at this time, but I XXXX in XXXX, and finished all of my coursework including my internship  prior to the date these charges were made and I can prove this. I contacted the XXXX school  when the inadvertently processed these charges and was told because the payments go through a third party processor to contact my bank and they would successfully dispute the charges for me since I could prove I was not in school at that time. This company has made a difficult situation, worse. This is a lot of money for me as a new XXXX student, and I was offered XXXX interest for a year but now they are going to start tacking on an interest fee and I can not afford this. Here is my card number XXXX. This is fraud on my account and has been reported to the Fraud Department as well, but again, they refuse to reply or help. I am a XXXX person as well and have been fully XXXX for 15 years. This is discrimination on top of just terrible customer service and treatment of a client. Please help. Sincerely, XXXX
Product: Debt collection

ADP is seeking to garnish my wages! They are informed that the court date to clear false and disputed debt is scheduled for XX/XX/XXXX at tha XXXX XXXX XXXXXXXX XXXX XXXX XXXX of XXXX. ADP XXXX XXXX XXXX XXXX, XXXX XXXX I have requested a release order from XXXX XXXXPA who keeps changing their name to create confusion.
Product: Credit card

Chase has a digital coupon book called 'Chase Offers. ' They're for specific merchants, require activation prior to use, and have certain criteria. The coupon on XXXX of my Chase credit cards was for XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX by XXXX membership. The terms and conditions of the coupon were as follows : " Earn XXXX XXXX cash back on your first payment of an XXXX XXXX by XXXX membership, with a {$10.00} cash back maximum. Unlock XXXX XXXX XXXX XXXX XXXX at XXXX with XXXX XXXX XXXX Membership includes FREE same-day deliveryXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX every day. Plus, a XXXX XXXX  monthly bonus reward as a thank you. Offer expires XX/XX/year>. Must make first recurring payment by XX/XX/year>. Offer valid on first payment only. Offer only valid on purchases made directly with the merchant. Offer not valid on purchases made using third-party services, delivery services, or a third-party payment account ( e.g., buy now pay later ). Recurring membership payments begin after trial. For membership cost and to cancel membership, please visit merchant website for details. '' On XX/XX/year>, a Chase representative confirmed over the phone the offer was successfully activated on my account on XX/XX/year>. I purchased an annual membership for {$48.00} on XX/XX/year> in a XXXX, which is before the XX/XX/year> Chase Offer expiration date. I expected a credit of {$9.00} to my credit card XXXX XXXX XXXX XXXX XXXX XXXX, but it never arrived. NOTE : It is not a coincidence that the Chase XXXX maximum cash back is {$10.00}, which lines up almost perfectly with XXXX XXXX XXXX XXXX of an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXusiness days, I initiated a Secure Message via their website explaining the matter. Over the following 30+ days, I received multiple inconsistent claims via Secure Mailbox and paper mail from various anonymous representatives indicating either A ) they couldn't find the offer I was referencing, B ) the offer wasn't active, C ) the offer wasn't made directly with the merchant, or D ) it's not a recurring payment. 

I have attached the following to prove otherwise : XXXX ) Photo of the receipt from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Indicating date and location of purchase XXXX ) Screenshot of a similar Chase Offer for 30 %, but with identical terms and conditions - Indicating required criteria to satisfy the offer XXXX ) Screenshot of my XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  captured my credit card info so they could bill me on a recurring basis ( annually ). 
XXXX ) Screenshot of the Chase XXXX XXXX history - Indicating correspondence dates and attempt to resolve this with Chase I greatly appreciate your help in resolving this matter.
Product: Checking or savings account

I have reported fraud in my bank account all the way up to the FBI. My VA XXXX  is my only income and I have told the bank that. My accounts are frozen and USAA will not release my benefits. I have spoken to many. The CFBP states this is a protected class payment and can't be withheld. Please advise. Thank you.
Product: Mortgage

When covid started I had multiple rentals that tenants were not paying and I couldnt evict them. Than once they left I had multiple repairs then the hard freeze last year with flooding and many repairs and expenses. I did do forbearance, which every time someone called from mr. Cooper on a recorded line I asked in advance to make sure it could be added to end of loan. EACH time I was told yes. Then when I tried to get our of forbearance, they would not let me start making payments until the full amount was paid. 2 of the 6 loans they own the lender agreed to loan modification, but several of them will not. I am at 6.5 % interest, well abound current interest, as well as 130,000 in equity as noted by mr cooper, yet they will not modify the loan or let me start paid monthly payments. We have never been late with them or missed a payment. We won our primary residence out right but are even unable to get HELOC or equity loan because we have investment loan in forbearance but can not get out of that till we pay {$15000.00} x 3-4. It seems like the help we were getting from them and then promised afterwards was not help and now all avenues of us getting out of this are shut because they will not work with up as they promised.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your intervention regarding a matter with Experian, XXXX and XXXX that has not been resolved despite my repeated efforts. I have sent letters to Experian on XX/XX/year>, and again on XX/XX/year>, requesting that they address issues related to my stolen identity and verify the accuracy of the information on my credit report. To date, I have not received any response from Experian by mail as I requested. 

In my correspondence with Experian, XXXX and XXXX I notified them of the identity theft, and I provided them with instructions to verify any and all accounts listed on my credit report with my original signed documents and physical verification as required by the Fair Credit Reporting Act ( FCRA ), specifically Section 609. Despite my clear demand, Experian has failed to comply with my request and has not provided the necessary verifiable proof or documentation. 

The lack of response and verification from Experian, XXXX and XXXX is a violation of the FCRA and constitutes a failure to address fraudulent accounts and unauthorized addresses associated with my credit profile. I am now left with no choice but to consider their inaction as fraudulent behavior and potentially a breach of my rights under the FCRA. 

Accordingly, I request that the CFPB assist in taking the following actions : Ensure that Experian, XXXX and XXXX deletes all fraudulent accounts and addresses that do not belong to me from my credit report. 
Obtain an update letter from Experian confirming the actions taken and the current status of my credit report.

Furthermore, I intend to pursue litigation to enforce my rights and seek relief under Sections 616 and 617 of the FCRA, which allow for the recovery of monetary damages due to XXXX non-compliance and any resultant harm. 

I would appreciate your prompt assistance in this matter and request an acknowledgment of receipt of this letter. Thank you for your attention to this urgent issue.
Product: Prepaid card

My direct deposit is showing as posted on my statement but I have a XXXX balance and when I called them the guy who was apparently XXXX said to me, I will send your account to the escalation department and your account will show the money in 1-2 business days
Product: Debt collection

absolute resolutions nv fraudulent is sue me from a debt that was not verified at all by original credit XXXX XXXX I called XXXX XXXX XXXX they told me the did not have any information about said account that absolute resolution is now sue me for this is a baseless lawsuit and absolutely is fraudulent sue me without verifying anything I have never had a account with XXXX XXXX and the original credit could not find any information about the debt!!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I'm writing this letter to request that the charged off XXXX XXXX XXXX XXXX XXXX  ( Account # XXXX ) be removed from my personal credit file based on the following : - Business credit is in fact separate from personal credit. Therefore, the two should not be in one file. 
- To the best of my knowledge, I've never been given an opportunity in writing to dispute the debt ( e.g. interest charges, other charges etc. ) nor that this business credit account would be appearing in my personal credit file. 
- On XX/XX/2016 I'd began living in XXXX, and was not in XXXX to receive any mail by US mail. My address at the time was XXXX XXXX XXXX XXXX VA XXXX. I have attached documentation as proof. Since I wasn't there, there is no guarantee that I could have even gotten any more or that it wasn't intercepted by someone else like my ex-wife. 
- By the time I found out about this, it was certainly already too late. 
- Since that time, I have actively been working with XXXX XXXX to resolve the matter of this debt. The card had a high balance of approximately {$9800.00}. I have paid most of this debt to date, leaving a balance of just {$1400.00}.
Product: Credit reporting or other personal consumer reports

Greetings, I recently reviewed my credit report on XX/XX/2023 and it shows that XXXX is continuing to report EDFinancial Services. My student loans are no longer with EDFinancial Services because they have been transferred over to XXXX XXXX XXXX XXXX. I have the same debt reporting twice from two different companies. I owe {$56000.00} dollars but XXXX is continuing to report {$100000.00} dollars. I called EdFinancial Services XX/XX/XXXX and they no longer have me in their system. I am writing to request the deletion of accounts of EDFinancial Services on my credit report. 


I kindly request that you investigate the inclusion of theses loans on my credit report and take appropriate action to remove them if they indeed meet the criteria for deletion under 15 USC 1681b ( a ) ( c ). I understand that the law allows for the removal of obsolete and outdated information, and I believe that these loans fall within those parameters.

I have provided relevant supporting documentation that demonstrates the eligibility of these loans for removal to XXXX. 

Thank you for your attention to this matter. I look forward to your prompt response and the successful resolution of this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the following inquiries on Equifax and they refused to remove it. 

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

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$690.00} XXXX XXXX XXXX Balance Owed : {$890.00} XXXX XXXX XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX, {$30.00} was transferred off of my cash app to a XXXX account. I sent proof that the payment wasnt received to the merchant in XXXX. I have a screen shot and they showed where it was never deposited into their account. I sent it to cash app.
Product: Credit reporting or other personal consumer reports

I have tried to remove two repossessions from all of my credit reports. The first is with Exeter Finance ; car reported stolen and insurance claim paid out XXXX XXXX which is reported as a repo but the account was settled in divorce court
Product: Credit reporting or other personal consumer reports

My legal name on my birth certificate and social security card is XXXX XXXX XXXX XXXX On the accounts listed below there are inaccuracies. 
In accordance with the Fair Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX  Account number- XXXX Account name : XXXX XXXX  Account number- XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX  Account number- XXXX Account name : XXXX XXXX XXXX Account number- XXXX Account name : XXXX  XXXX XXXX Account number- XXXX Account name XXXX XXXXXXXX XXXX XXXXXXXX Account number- XXXX Account name XXXX XXXXXXXX XXXX XXXX  Account number- XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A. Selection 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

These inaccuracies are stopping me from attaining new auto loans, credit cards, and funding for me and my family to provide a better life here in America.
Product: Credit card or prepaid card

I called the Chase Covid-19 Relief Payment Assistance line ( XXXX ) XXXX on XX/XX/XXXX, XXXX, XXXX and XXXX and I am going to continue to call them asking for a lower interest rate due to my unemployment since XX/XX/XXXX. 

Each time they said they couldn't lower my rate from the " prime '' 23.99 % I am currently at because in the last year it had dropped from 25.99 %. 

Regarding my Chase Freedom card : On XX/XX/XXXX I was charged {$210.00} in interest. 
On XX/XX/XXXX I was charged {$210.00} in interest. 

Regrading my Chase Freedom Unlimited card : On XX/XX/XXXX I was charged : {$54.00} in purchase interest & {$110.00} in balance transfer interest totaling {$160.00} in total interest. 
On XX/XX/XXXX I was charged : {$61.00} in purchase interest & {$110.00} in balance transfer interest totaling {$170.00} in total interest. 

This is insane & unreal ( and didn't it used to be illegal aka : " usury ''? ) especially considering XXXX XXXX, with whom I have had years of issues, dropped my rate across 2 personal and 1 business account with a collective {$33000.00} ( way more than with Chasxe ) of debt dropped my interest rate to 5.99 % FOR THE NEXT 12 MONTHS!
Product: Debt collection

When I first reached out to this debt collector, my goal was to discuss the {$2100.00} amount. However, the representative repeatedly insisted that I forget about it and focus on a much larger debt I owed. I kept asking what would happen to the {$2100.00}, and he kept telling me not to worry about it. In the end, I made an {$8000.00} payment, thinking it would cover everything, and that the {$2100.00} was settled. Now, they're trying to collect on the {$2100.00} again, even though they told me not to worry about it. They lied. I have the entire conversation recorded ( with their permission ), and I played it for them when I called back about them trying to collect again. They transferred me to a supervisor, then a XXXX, and eventually admitted that the representative would be disciplined, but they still insisted I had to pay the debt. It was a dishonest tactic.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  XXXX. Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXXXX/XX/year> XXXX XXXX  XX/XX/year>XXXX XXXX XXXX XXXXXXXX XX/XX/year> These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Late last year I noticed some incorrect information on my credit report. I took the time to contact the Credit reporting agencies to correct all misinformation but to no avail did that happen. I was notified to contact the company of Lexis Nexis to correct any and all instances of misinformed data that they were providing. I contacted Lexis Nexis approximately 3 times to rectify the situation and not once did they do all that was instructed of them. Their " investigation '' was not correct. I asked them to remove all names, addresses, phone numbers, and emails not associated to me. On my second request I received a report dated XX/XX/2023 in which my report went from 96 incorrect names and addresses that was on their XX/XX/2023 report to 20 incorrect names and addresses. They still had not removed all of the wrong information. I then sent them a dispute stated that my information was still incorrect. I received a report dated XX/XX/2023, and it shows they added 25 incorrect names and addresses. I'm reaching out today to ask the CFPB to uphold 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 ) 2 : ... states a consumer reporting agency can not furnish an account without my written instructions.

I have repeatedly asked that this information be updated but in no way shape or form has anything happened the way I asked. I also have opted out of all the secondary credit furnishing companies including Lexis Nexis.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously had a loan with XXXX XXXX XXXX. As part of a written agreement, the account was to be removed from all three credit bureaus. At this time Equifax is refusing to remove it even with proof that the account was to be removed by the financing company. I 've complained on Equifax with no results. I also provided the same letter mailed to me by such company and yet Equifax is the only Credit bureau still showing the false information.