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

Remove all inaccurate, erroneous, unverifiable information. I will be as clear as possible so there is no further misunderstanding. The corrections should be as follows : XXXX XXXX XXXX ( and all variations of this account ) - Never did business with this company ; reporting a charge off with a balance ; delete immediately XXXX XXXX XXXX XXXX XXXX and all variations of this account ) - Reporting a charge off with a balance ; delete immediately XXXX XXXX  XXXX XXXX and all variations of this account ) - Reporting a charge off with a balance ; delete immediately XXXX XXXX XXXX ( and all variations of this account ) - Reporting a charge off with a balance ; delete immediately XXXX XXXX XXXX ( and all variations of this account ) - Never did business with this company ; reporting a charge off with a balance ; delete immediately XXXX XXXX XXXX XXXX and all variations of this account ) - Reporting a charge off with a balance ; delete immediately XXXX XXXX XXXX ( and all variations of this account ) - Never did business with this company ; balance is lower than high balance ; delete immediately XXXX XXXX XXXX XXXX XXXX ( and all variations of this account ) - last payment made states XX/XX/2013 ; it is almost 10 years later ; delete immediately XXXX XXXX XXXX ( and all variations of this account ) - Reporting charge off with a balance ; delete immediately
Product: Credit reporting or other personal consumer reports

I have been trying to resolve this matter for some time with your agency, and the corporations and debt collectors you allowed to fraudulently place inaccurate items on my credit report without permissible purpose, along with violating many other rights I am able to enforce as a natural person. Moreover, you continued to report items that are not 100 % accurate ( the most important job as a credit reporting agency ) as well as without my permission. I have had to forcefully study to find out the numerous ways that I have been violated, but my perspicacity and indefatigability assisted me to this very moment. 
I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), FTC REPORT, CFPB COMPLAINT, XXXX  COMPLAINT, ATTORNEY GENERAL COMPLAINT, SOCIAL MEDIA HANDLES, AND FEDERAL COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine.
Product: Debt collection

I have been taken to court twice by continuous by this company. They have requested more money while accepting payments through my family counseling debt consolidation. I believe they are a scam and don't really own my account. I am missing work to show up in court while they hope I won't be there and get what they want. They sent a man to represent them with no prior knowledge or paperwork on my case. Again I believe they are a scam.
Product: Debt collection

I am a victim of identity theft .This collection are aware that these accounts are result of identity theft because i have provided my FTC affidavit, my police report. 


Fidelity XXXX XXXX XXXXXXXX I never had any services with XXXX XXXX XXXX I have provided my fraud package and never got a response and they keep verifying this fraud to the credit bureaus. 


I sent my police report and my FTC affidavit that i received from the Federal Trade Commission Certified mail copies enclosed and havent heard back from this agencies. They have caused me great damage and embarrassment also with emotional distress.
Product: Credit card or prepaid card

I received correspondence from Midland Credit Management on XXXX, XXXX, XXXX regarding an alleged debt from XXXX XXXX XXXX. I also received a call and threat from an agent of the MCM Organization on XX/XX/2021 which I recorded for my record. He threatened to have this alleged account furnished on my credit report. I informed the agent that his threats were in violation of federal law pursuant 15 USC 1692d Harassment and Abuse. I also informed the agent that pursuant to 18 USC 8 that ALL Obligations or other security is the responsibility of the United States. Furthermore, this consumer credit falls under the Truth In Lending Act 15 USC 1602. Pursuant to 15 USC 1605 ( 1 ) the finance charge includes the sum of all charges including interest. In Conclusion there are billing errors in the correspondences that were sent to me by MCM Pursuant to 15 USC 1666 ( b ) Billing Errors. I have sent MCM a Cease and Desist, sworn Affidavit of Truth with Exhibits, and an Invoice totaling each individual action.
Product: Credit card or prepaid card

On XXXX XXXX I received a possible fraud alert on my cell phone. The suspected fraudulent charge was an online purchase with XXXX. 
Knowing that I had not initiated any online purchase with XXXX, I immediately contacted both the credit card company ( Chase ) and XXXX about the fraudulent charge. XXXX was able to disclose to me that the charge originated in Arizona ( I live in Massachusetts ). 

Today ( XXXX XX/XX/2021 ) I received notice from Chase that they were denying my fraudulent charge claim. I contacted Chase fraud services to ask why they denied my claim and were instead including the charge I was informed that the reason was " because I had previous on-line purchases with XXXX ''. 

Today I sent a response back to Chase fraud services showing them my XXXX on-line transaction history. I have not had any XXXX purchases since XXXX XX/XX/2021. 

What is alarming, and should also be concerning to the CFPB and other Chase credit card customers, is that this reasoning puts all credit card users at risk for fraudulent on-line purchases. The mere fact that a consumer has made on-line purchases in the past should not be justification to deny a fraud claim. If this is allowed to continue, then it is imperative that all credit card users that make on-line purchases be made aware of the added risk they are incurring. 

Please help protect the on-line purchaser from credit card fraud.
Product: Credit reporting or other personal consumer reports

I have reported issues to Experian, I have followed their requiered steps and they close the claim within a day. I truly believe they do not investigate the matter, which in result has affected my credit and also increased fees for me
Product: Credit card

In accordance with the Fair Credit Reporting Act Comenity Capital BankXXXX XXXX, 15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report 218 15 USC 1666B : A creditor may not treat a payment on a credit card account under an XXXX XXXX open end consumer credit plan as late for purpose.
Product: Credit card or prepaid card

On    XXXX   XXXX    , 2017 I  responded to promotion b y Wells Fargo,  in obtaining a  Visa  card from them. The promotion stipulated, " {$200.00} Cash Rewards Bonus when you use your new card to make {$1000.00} in purchases in the first 3 months. '' I saved PDF of the promotion and the application, which I electronically submits to  Wells Fargo .   On   XXXX   XXXX    2017  I faxed their  Executive O ffice (  XXXX ,  XXXX , and  XXXX  ) about refusal of the Rewards Departmen t of W.F., in givin g me the {$200.00} cash-reward, as I had already (  1 )  spent over {$1000.00} using the  W.F . credit card and (  2 )  paid off the outstanding balance on the credit card. In so doing, I also faxed them the PDF of the promotion, upon which I had obtained the credit card. Attached please find PDF of the promotion, to which I responded. and my letter to  W.F.    Apparently,  W.F. , was telling me that ( 1 ) instead of the {$200.00}, they wanted to pay me {$150.00} and apparently they wanted to defer the {$150.00} payment to   XXXX  2017   .   Soon after opening the account, it became clear to me that there was absence of integrity and banker 's mindset deeply rooted at  W.F.,  upon which I stopped using their credit card, altogether. Further, I probably shall commence legal action agains t W.  F.,  should they fail, in paying off the {$200.00} to me by   XXXX  2017   .   They are numerous other issues with W.F. Credit Card, such as their refusal in paying the rewards promised as percentage of your spending, as they demand to pay such rewards in {$25.00} or {$50.00} incriminates. As such you can not only redeem {$50.00} on a {$70.00} accumulated rewards.
Product: Credit reporting or other personal consumer reports

Twice in one month, I have had fraudulent inquiries on Experian by XXXX. XXXX setup a fraud alert and froze my account but these fraudulent inquiries are still occurring, appearing on my report and have significantly lowered my credit score. The first dispute ( which was successfully resolved ) dropped my score XXXX points. The recent still pending dispute dropped my score an additional XXXX points with a total drop from XXXX to XXXX. Experian is encouraging me to sign up for a monthly subscription plan with additional fraud monitoring but is not helping address or stop the fraud that is currently occurring.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent two letters to Equifax disputing inaccurate information on my credit report. I sent the first letter on XX/XX/2022 and then the next letter on XX/XX/2022. They have failed to respond to either letter or delete the inaccurate information. It is to my understanding according to the XXXX website that they have 30 days to complete an investigation. It also says on the website that if they don't complete the investigation within that time frame, then they must delete the disputed accounts. Well I have given Equifax two opportunities to respond, 70 days in total, and they have not. Therefore, they must delete the disputed accounts mentioned in my letters. I have attached both letters, which are dated.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed the account that opened without my consent was still in my credit report. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove this account that is found to be opened due to incorrect credit reporting. The disputed account does not my authorization. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove this account. If you feel there is a possibility this account was allowed by me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the account is verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX ) XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/year> Balance : {$0.00} ; XXXX ) XXXX XXXX  Date opened : XX/XX/year> Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The US Dept of Education is reporting false information on all XXXX credit bureaus - they put on Equifax that i had a XXXX loan that the alleged account was opened on XXXX XXXX, XXXX, then on XXXX and XXXX they claim the account was opened on XX/XX/XXXX. I told all 3 credit bureaus that this is IMPOSSIBLE. I went to college in XXXX to XXXX and left college after that - that is when this alleged XXXX loan would be from. therefore, the first date of delinquence would be in XXXX and thus, this is way to old to be on my account. 
The Equifax false reporting i already have a lawsuit filed in the US District Court XXXX XXXX XXXX Case No. XXXX. 
On XXXX and XXXX- the false reporting did not happen until after i already filed the lawsuit against Equifax/US Dept of Ed XXXX I showed both XXXX and XXXX that case and also the fact that the US Dept of Ed is simply making up dates as they choose as i did not get any loans in XXXX, XXXX and the fact it is much different dates between the 3 credit bureaus should show any normal person with 1/2 a brain that something is not right but they have not done any real investigation into the accuracy of the reporting in violation of the FCRA XXXX 
I am also aware of the lawsuit filed by the CFPB against XXXX and their transgressions and i also am aware this is not the 1st time these credit bureaus have been sued for similar situations. 
This is absurd that i am going to have to file another lawsuit vs. the US Dept of EXXXX and also name XXXX and XXXX in the 2nd lawsuit. 
FYI- I also showed XXXX that back in XXXX the US Dept of Ed attempted the false reporting on this alleged debt and back then it was removed from XXXX but yet now all 3 are reporting this false information on an account that is too old to be on my credit. I am filing this complaint so that you notify all 3 credit bureaus as well as the Dept of Education of these transgressions and they all need to remove this false reporting from my 3 credit bureaus or there will be a 2nd lawsuit filed.
Product: Mortgage

authenticity of documents, proof of chain of assignment, Rushmore Loan Management Services LLC SAID THEY OWN OUR LOAN NOW THEY SEND US SAME OLD DOC AND MAKING NEW ONES CFPD DO YOUR JOB XXXX XXXX C RESPA ( XXXX XXXX XXXX OLD XXXX Case number XXXX CFPB review Response disputed XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a federally protected consumer and I am filing this complaint against XXXX XXXX Bank XXXX XXXX. XXXX XXXX Bank XXXX XXXX is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that XXXX XXXX Bank XXXX XXXX is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that information furnished must be in accordance with the written instructions of the consumer. I, the consumer, never gave XXXX XXXX Bank XXXX XXXX any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following are fraudulently furnished inquiries. I did not authorize, benefit from, nor consent to these inquiries and I demand they be removed from my consumer report immediately : XX/XX/2021, XX/XX/2021, XX/XX/2021 ( XX/XX/2021, XX/XX/2021, XX/XX/2021 ). If they are not removed, I will hold XXXX XXXX Bank XXXX XXXX criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. These negative items on my consumer report are preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If XXXX XXXX Bank XXXX XXXX can not provide to me a copy of when I sent a written permissible purpose to validate these inquiries, I demand they be deleted in 4 days. Enclosed is the FTC Identity Theft Report which states the above mentioned inquiries that is being fraudulently furnished.
Product: Credit card or prepaid card

XX/XX/XXXX received billing statement with unauthorized transactions made in California using my Macys credit card. I live in NJ, and have not travelled to California. 
Same day XX/XX/XXXX I called Macys customer service and reported a stolen card and fraudulent transactions. Was told that fraud department will be contacting me in 10-14 business days. 
XX/XX/XXXX received a letter in the mail confirming that fraud claim was received and an investigation will be performed. 
XX/XX/XXXX I received a letter in the mail stated that Macys fraud department has completed the investigation, and determined that I am responsible for the charges. 
XX/XX/XXXX I called Macys customer service and was transferred to the another Department at ( XXXX ) XXXX, then to XXXX. I again reported the identity theft, put the transactions on dispute asking to review and reconsider. Ref # XXXX. 
I went to the police and made a report for the stolen identity. Incident # XXXX. 
Put a freeze on the credit cards. 
XX/XX/XXXX received a letter in the mail stating that investigation is complete and I am responsible for the charges.
Product: Debt collection

The last report I filed which was closed without any results XXXX, I am still waiting for the response from XXXX containing the ORIGINAL paperwork from XXXX XXXX that I signed holding me responsible for this charge, I do not have any current balance with the XXXX Hospital that I was tooken too, all my imaging was done at XXXX. XXXX did not inform me that XXXX XXXX would be the company too interpret the results of my Imaging reports. My insurance company has tried too contact XXXX XXXX also with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts appear on my credit report, without any authorization, they are not mine. 
Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

2. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting accounts that I have not validated or been notified before reporting. This agency is in violation of 15 USC 1692g. They were to notify me in writing 5 days prior, I was not! I do not validate this debt. Therefore, the following accounts must be deleted from my report. You have 5 days to delete these accounts. 

XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Failure to respond satisfactorily with deletions of the above accounts and a free copy of my consumer report will result in further actions being taken against your company ; I will also be seeking {$1000.00} per violation for : Defamation Negligent Enablement of Identity Fraud Violation of XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of thaXXXX XXXX 
ACCOUNTS : 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 Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

I've had this company hound and harrass me for the past year, after repeated attempts to tell them I do not know who the person is they are looking for.I have asked them several times to take me off there call list to no avail.They start out first calling my home phone number, then they proceed to call my cell phone and then also call my wifes cell phone.This company is the worst, the people that work there dont understand what it is when someone asks to be removed from there call list.
Product: Credit card

Chase XXXX XXXX card has fraudulent, deceptive, abusive, and obstructive dispute process for incorrect charges on credit card. 
1. It takes great effort to even find out where on pathetic website you can file a dispute. It is hidden under 'messages ' somewhere. 
2. After typing dispute, when clicking 'submit ', the web page, says " you have been signed out of your account '' rather than stating the dispute has been accepted. This is their way of blocking you from filing a dispute for a charge. 
3. It takes hours speaking to some high school drop out to dispute a charge by phone. 
4. Chase fraudulently removed credit for a disputed charge, 'the protection group ', despite that Chase never asked me for any documentation to corroborate that 'the protection group ' was billing me for services they never rendered. 
5. Again, there is a dispute with XXXX ' and after 30 minuntes finding and writing a dispute, the website says " you 've been signed out '' rather than accepting the dispute. The website is set to automatically sign you out of account instead of accepting any disputes. This constitutes consumer fraud.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, 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 actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the necessary proof of investigation. These are the accounts, personal information and inquiries that Ive marked inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Ive been using Klarna a few months back and it was working fine I never had an issue with them. But if recently i felt targeted by Klarna. They keep lying to me and saying my identity can not be confirm when I try to use the service. Every time I reach out to their support team they all keep giving me different informations. If they dont want to offer me their service they cant simply say so and not lie to the credit bureau about my identity can not be confirmed. All of my information is 100 % accurate yet Klarna is lying about the information. They support team say they can not see any issue but they are escalating it to their back office which you never receive any response from. Im kindly asking the CFPB to have a review about Klarna and its false information