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

Equifax Account : XXXX XXXX XXXX XXXX XXXX XXXX Delete this account because child has reached age majority in XX/XX/2014. See attached court decree.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to contact Experian, XXXX, and XXXX about these unknown inquiries on my credit report in XX/XX/XXXX, and again in XX/XX/XXXX. I was told I had to contact each company. When I contacted the companies, I was told I needed to dispute with the credit bureau 's. I am getting no progress with these false inquiries on my report.
Product: Debt collection

MIDLAND CREDIT HAS PLACED A COLLECTION ON MY CREDIT REPORT. I NEVER CONTRACTED WITH THEM. I KNOW THAT THEY BEING SUED FIR MORE THAN {$24.00} XXXX DOLLARS FOR FRAUDULENTLY DOING BUSINESS. THEIR BUSINESS PRACTICES ARE TO HARM CONSUMERS AND I AM BEING AFFECTED BY THIS
Product: Credit reporting or other personal consumer reports

Violations of : 1. Late Payments : 15 USC 1681 a ( 2Xi ) ; 15 USC 1681 2. Permissible Purpose : 15 USC 1681b 3. Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 4. Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) 5. Verification : 15 USC 1681i ( 7 ) I, XXXX XXXX, declare under penalty of perjury that the following statements are true relating specific debts reflecting on my credit profile. The circumstances surrounding these alleged debts raise tremendous ethical and legal issues, involving fraud and coercive practices. These practices have led to an unjust financial obligation on my part, as my SSN has been used as a personal and financial gain illegally. Since there has been no consent or legitimate purpose established for the sharing of my information, any reports generated or shared without my authorization constitute a violation of this act. I expect for a detailed thorough investigation is conducted into these discrepancies and remove the fraudulent items. These accounts were opened in my name without my knowledge and continue to damage my personal character and financial well-being. Pursuant to the FCRA, credit reporting agencies are obligated to block fraudulent information within four business days of receiving proper documentation. It is clear that you have failed to fulfill this legal responsibility. The derogatory marks are 1. Fraudulent Transaction : XXXX XXXX XXXX  : # XXXX : Balance : {$4400.00} 2. Fraudulent Transaction : XXXX XXXX XXXX  # XXXX : Balance : {$2400.00} 3. Fraudulent Transaction : XXXX XXXX : Balance : {$520.00} XXXX. Fraudulent Transaction : XXXX XXXX XXXX : # XXXX  : Balance : {$1400.00} XXXX. Fraudulent Transaction : XXXX XXXX : # XXXX  : Balance : {$3600.00} XXXX. Fraudulent Transaction : XXXX XXXX : # XXXX  : Balance : {$3100.00} XXXX. Fraudulent Transaction : XXXX XXXX : # XXXX  : Balance : {$2300.00} XXXX. Fraudulent Transaction : XXXX XXXX : # XXXX  : Balance : {$2500.00} XXXX. Fraudulent Transaction : XXXX XXXX : # XXXX  : Balance : {$1000.00} I attest that the alleged debts associated with these accounts do not reflect my financial responsibilities and are in result of practices that are deemed fraudulent. I am disputing these accounts and request that by resolving this dispute that they are blocked and deleted from my credit profile. By doing so is crucial to rectifying the inaccuracies and relieving the undue burden they have imposed on my financial standing. I am aware of my rights under federal and state laws regarding credit reporting and identity theft. I declare under penalty of perjury that the information provided in this affidavit and accompanying documentation is accurate.
Product: Debt collection

Pursuant to 18 USC 8, I owe no debt, this company violating my consumer right to privacy pursuant to 15 USC 1681 b 2. company has also no permission to report anything using my info pursuant to 15 USC 1681 4.
Product: Debt collection

Creditor called me about a medical bill that i was NOT responsible for. I then contacted my insurance and was told they would take care of it. The medical bill was my insurance responsibility. I was unaware of the negative report on my credit till recently. The negative mark on my report was place after insurance failed to pay my medical bill. I wasn't aware of the bill as they had been sending it to the wrong address. I have contacted both parties and gave them all information needed.
Product: Vehicle loan or lease

In XX/XX/XXXX I co-signed with my granddaughter for a new Hyundai which we financed through Hyundai Financial. On XX/XX/XXXX my granddaughter refinanced the vehicle with XXXX XXXX XXXX removing me as a co-signer. The account at Hyundai was never paid off. I have a copy of the check from XX/XX/XXXX which the check was made out to Hyundai and my granddaughter. This caused me to have a late fee and a 30 day late on my credit as I was not notified of this not paid as I assumed when she refinanced that it was paid off. I found out about this when I received a call on XX/XX/XXXX at night telling me that the account with Hyundai was delinquent and I paid them in the amount of {$560.00}. They told me I should have known it was not paid off. I told them it was refinanced and XXXX  signed for the documents but Hyundai does not know who that was. They finally said they received the check on the XXXX and it cleared on the XXXX. I have been trying to get proof of the loan being paid off but they said they could only mail. This is a big issue as I am elderly and on a fixed income. I have never paid an account late and now i have lates on my credit and I am in the middle of purchasing a home which we have had to delay closing due to this and I am going to be homeless if this is not taken care of as well as it is affecting my credit score which could affect my rate. This is so upsetting as because they didn't take care of their business and ruining my credit and just has had me so nervous and upset I can't sleep. I really need some help.
Product: Mortgage

Non of the options are really applying to this case. I received today an email starting with. 

Hello, XXXX XXXX and XXXX. Great News, your mortgage is transferring to Mr. Cooper soon ... .... 

This is not the issue ( even though i don't know either person ). 

The issue is it gives you the last for digits of the old Loan Number AND it gives the full number of the new loan number and they are connected to XXXX XXXX and XXXX. 

This does not seem to be a one off. Calling Mr. Cooper, powered by XXXX gave me the impression I was not the first one to acll. 

Now i am wondering who has my new Loan ID which can cause Fraud if the wrong person received the email with my information.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Eastern Account Systems Account number : XXXX Address : XXXX XXXX XXXXXXXX XXXX. XXXXXXXX XXXX XXXXXXXX Your NAME : XXXX XXXX Your address:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .

Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.4. Proof that the original creditor securitized the debt.5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XX/XX/2022 verified/ certified mail. Here is my tracking number to my letters is # XXXX. The purpose of this letter was to remove personal information that I do correlate with my accurate information as well as accounts that do not correlate to my informations. In violation of U.S.Code 1681e ( b ) the compliance procedures conclude all information should be 100 % accurate. According to the fair credit reporting act 12 USC 1681. I have the rights to my privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Product: Debt collection

I am unaware of this debt. I didnt have an opportunity to dispute this information. If in fact you believe you gave me proper notification, then please send me the certified receipt with my signature on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX
Product: Payday loan, title loan, or personal loan

Netcredit.com has been approving me for a XXXX loan. But instead of varied opinions pertaining to my situation they just decline.
Product: Credit reporting, credit repair services, or other personal consumer reports

Their are incorrect accounts reporting on my credit reports XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several erroneous entries. The 3 credit bureaus are legally obligated to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is completely unacceptable to treat this reporting accounts as unverifiable without providing proof within the required legal timeframe. I demand that you investigate the unverifiable accounts listed below in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXXXXXX Balance Owed : {$6000.00}
Product: Credit reporting or other personal consumer reports

To whom it may concern, Under 15 U.S Code 1618B Permissible purpose of consumer reports ( a ) IN GENEREAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX never gave Experian any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : XXXX. XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I both noticed a new account opened on our credit reports. This account was for XXXX for the amount of {$32.00} with a credit limit of {$10000.00}. We DID NOT open this account. This is FRAUD. We reported this information to all the credit bureaus for Fraud and have placed a FREEZE on our credit. We also contacted XXXX to close this account and report a FRAUD. We believe that XXXX ( XXXX XXXX ) is somehow complicit in this - their security is inefficient and ineffective.
Product: Debt collection

i am a victim of identity theft. the inf of these companies are wrong i dont reconise those accounts and the debt collector keep calling me everyday for an XXXX that I don't know it is not mine.
Product: Checking or savings account

On Wednesday the XXXX of XXXX I deposited a XXXX dollar cashier check from my tax refund at bank of America. I was told my money would have a hold but I would have XXXX available on the XXXX of XXXX and the rest on the XXXX. On the XXXX I check my account and the money has a longer hold now until the XXXX af XXXX with nothing available before then. I called the bank on the XXXX of XXXX spoke to a customer service and they said the hold was correct and unfortunately even though I was told different there was nothing to be done. They also informed me the hold could be move further up and they can hold my fund for longer than the XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been battling this unverified and inaccurate account for awhile now and this haven't been proven whatsoever. The information across the reporting bureaus are different from each other implying that this account have different values and information. Please remove the negative account right away. 

Also, there are some unauthorized inquiries that I don't recognized.
Product: Credit reporting or other personal consumer reports

Help me dispute this company Midland Credit Management for negligence and harressment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already try to fix this issue and I dont know wich part its not doing their job, I have on my credit report a account XXXX XXXX that was open on XX/XX/XXXX and closed on XX/XX/XXXX with XXXX balance with like 6 months late payments history that are NOT correct, it's the other way I always try to put extra money on monthly payment. I open a dispute with EXPERIAN and they closed the dispute with out investigating and updating this wrong information, I have my bank statements that I send to XXXX and EXPERIAN, when I called XXXX I spoked with Supervisor named XXXX XXXX I explain to him and show him my bank statements and he was sorry about it and he agreed with me to totally remove this account from my credit report, Im working into get my mortgage loan and this its affecting a lot, Im requesting EXPERIAN to investigate this issue and update payment history or removed this account from my report as soon as posible because I already wait for so long.
Product: Credit reporting or other personal consumer reports

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe XXXX  and XXXX XXXX that this negative rating has caused me and will continue to cause until it is resolved.
Product: Credit reporting or other personal consumer reports

They are mistaken me for a d/b/a putting XXXX loans and XXXX support on my report Im a man not a business I hold the name as trustee an and only work in interest for the beneficiaries in a private unincorporated living trust you guys need to fix your error with the mistaken identity as its causing financial hardship how ima be in all those places at one time? Negligent noncompliance is the cause of action ; action being negligent gross the most and now I have proof two different people and Im harmed And whomever those papers for in XXXX XXXX Im in XXXX so how do they have my social? And I keep telling yall its not mines as you can see fraud accounts keep coming up even with a locked account just learnt that from XXXX who tells me Im the mail They need more verification for my own file they letting everyone but me have access to been denied personal credit amd I see why now yall XXXX someone XXXX me out but give me a hard time about my own.
Product: Credit reporting or other personal consumer reports

Credence XXXX This account has been sold to several other collection agencies. This was cleared off of my credit in XX/XX/2023 from my XXXX report. 

I also formally disputed this with this company. 

A request for validation of debt. Also the date that is stated on this account is false. Acct open date is false. All of the dates that is being reported on this file is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX : {$10000.00}.
Product: Debt collection

The collection agency is trying to collect on a frivolous debt that isnt owed to them. I have never done business with this company and never received any merchandise from them. There is no contract that is binding me to this company. They have refused to provide proof that debt is mine. They once deleted the debt and added it once more one my credit.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I was scam.I made a wire transfer for XXXX US dollars from my Citibank account to Citibank XXXX ( XXXX ) at the name of XXXX XXXX XXXX XXXX, XXXX with I am making bussiness for more than 5 years. The money was transfer to a third person because the corporation does not have an account in XXXX. 

I reported in the properly times the case ( CIT XXXX ), They make wait 3 months to tell me only want to refund me XXXX US dollars. That is a joke for me. I claim to a second review for the case and I got an email from XXXX XXXX | Case Researcher | Citibank Executive Response Unit (  XXXX ) she is going to give me a response to XX/XX/XXXX but she did not fulfilled it. I wrote them 2 emails more and called her several times at different hours with no response. I record her 2 voice message What Im claiming is a full refund because at the moment the transfer was made I provided all the information required by Citibank as : -Account Number -Account holder name -Adress -Phone number The account number, adress and phone number do not match with the account holder name. This is basic! a simple security verification. Why are they asking me all the information if they are not going to check them. This is bureaucracy and a weakness in the security procedures from the bank. There is no excuses because Citibank US and XXXX are the same bank, They know who received the money, and they are protecting them, is against the law, I can suspect the bank is coverin them up. 

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

I have send this credit bureau several letters and filed over several complaints that has been ignored over and again for several inquiries that are showing on my credit file that they maintain under my social security number. I even send my complaint certified with tracking number XXXX. I am aware that under XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXXCal.XX/XX/XXXX ), they maybe liable for willful non-compliance. The inquiries are still on my credit report and I have also send a letter to the creditors reporting these inquiries and the credit bureau has refused to remove these. 
1. XXXX XXXX -XX/XX/XXXX XXXX. XXXX XXXX-XX/XX/XXXX 3. XXXX XXXX XXXX-XX/XX/XXXX 4. XXXX XXXX XXXX  -XX/XX/XXXX The above noted allegations of inquiry is one that LACKS demonstrated evidence of physically verifiable proof of Permissible Purpose or PROOF of Metro 2 COMPLIANCE, as REQUIRED! As such, I am in my consumer rights to demand and compel you to DELETE IMMEDIATELY! The above listed ALLEGATION of INQUIRY is NOT currently reporting COMPLIANTLY due to one or more of the following reasons to include but not necessarily limited to at least that The claim ( s ) are DEFICIENT of VERIFIABLE PHYSICAL PROOF of adequately and lawfully acquired PERMISSIBLE PURPOSE OR THE ACCUSATION is UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT PROVEN of MY RESPONSIBILITY, or else wise DEFICIENT of Metro 2 compliance in LAWFUL REPORTING. That said, it is CLEAR you have NO OPTIONS other than the COMPLETE and IMMEDIATE ANNULMENT by full DELETION/REMOVAL of any and all such physically UNCERTIFICATED information, regardless if true or not. PROOF OF COMPLIANCE is NOT a VOLUNTARY mandate but rather a REQUISITE for you or ANY ENTITY to RETAIN much less REPORT. I demanded that the credit bureau Return to federally required compliance and accurate reporting TODAY, even RIGHT NOW!! But they refused. The inquiries are still reporting on my credit report even after sending a letter of complaint to the creditors regarding these inquiries and still the credit bureau refused to remove them after claiming these are a factual record of file access.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and concern regarding the persistent failure to remove fraudulent items from my credit report. Despite numerous requests and the submission of supporting documentation, these fraudulent items remain on my report, severely impacting my creditworthiness. I believe this situation violates the Fair Credit Reporting Act ( FCRA ) and undermines the integrity of the credit reporting system. If you are unable to verify the validity of these items, I demand their immediate removal. Additionally, I request a detailed explanation of the procedures used to determine the accuracy and completeness of the information in question. These are the following items : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX AZ XXXX XXXX XXXX  XXXX Balance Owed : {$150.00} ; XXXX XXXX  XX/XX/year> ; XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX, AZ XXXX.
Product: Checking or savings account

To : Public Servant/trustee/Chief officer for the Consumer Finance Protection Bureau To : Capital One Financial Corporation, Chief Executive Officer, Subordinate officers and directors with the strict liability Notice for the agent is notice for the principal Notice for the principal is notice for the agent On the record, let the record show for the Court of record, for the writing and issuing a summons for the hearing appearance on the breach of contract, duty & trust damage from both of your organizations over the past year.
Product: Credit card or prepaid card

I was the victim of a bait-and-switch cash back offer from Chase. They offered 20 % cash back on a purchase at a specific store with very clear terms. My purchase met all of their terms, but they have repeatedly refused to credit my account accordingly. The reason that they cite is that the charge didn't post until after the offer expired, but their FAQ page explicitly states that it's based on the transaction date not the charge posting date. 

Please see the attached document for a detailed timeline with supporting evidence. Also, please note that this is neither an isolated case nor an honest clerical error. Chase has repeatedly been made aware of the issue including through prior CFPB complaints yet they continue to bait-and-switch their customers with these shady " Chase offers '' on a regular basis. 

There are also many posts on XXXX from users who experienced the exact same bait-and-switch scam from Chase. 

Sure, it's a small amount of money, but the biggest bank in the country shouldn't be allowed to scam its customers with impunity regardless of the dollar value.