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

I have a bankruptcy that is reporting on my report. It is a chapter XX/XX/XXXX that by law and the credit reporting companies on statements is supposed to be removed after 7 years. 
I filed the bankruptcy in XXXX, it was confirmed in XXXX and we completed the plan in XXXX. The seven year mark was in XXXX of XXXX. 

We have requested that all three major credit bureaus remove the data, per law and their own statements, but they will not do it. Its is still showing at all three major bureaus and we feel we need help to get it removed. 

I have requested removal on XX/XX/XXXX and again, after being denied on XX/XX/XXXX with no response. 

We received our final order and release on XX/XX/XXXX. ( copy attached ) So it has now been
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is refusing to dispute/delete fraudulent information from my credit report even though I have told them I did NOT make these inquiries. I have spoken to each of the inquirers and they have stated they would inform XXXX to delete the inquiries but they still have not done so. 

The inquiries are Discover Bank : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX Discover Bank XXXX, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX   XXXX : XX/XX/XXXX XX/XX/XXXX
Product: Vehicle loan or lease

First credit Finance This company has a bad customer service, the department that handle registration and titles As customer you expect a friendly answer for the other side of your line , We call  XX/XX/2017  t his person who answer our call was rude, she was not helpful she was so unprofessional and she hung up the call at the end, I request to talk to the  manager she help us but she mention well for what I know ur brother was using a bad vocabulary to our employee, I correct her and I told her our call was record and I can prove that my brother never use any bad language, She said I do n't give you the permission to record our call I said its ok we just want to bring this up for you to know how you people is working But as well as the other rep, sounds like she do n't care about it and my brother is not the only on e that complaint about this company they are so rude Hope you can call as customer and see how they answer or help you
Product: Money transfer, virtual currency, or money service

I sent {$2000.00} on XX/XX/year>XXXX  to a phone number through XXXX using Zelle as a payment. It was sent to the wrong phone number. I tried contacting XXXX and Zelle to reverse the payment but can not receive the refund.
Product: Debt collection

Global Lending Services, contacted my work, and my family members to discuss my debt owed to them and about how I them money. They have already been harassing me nonstop but now theyve expanded to my personal network, this is not okay under any circumstances.
Product: Debt collection

This appears to be an XXXX XXXX XXXX back on XX/XX/2018. I have repeatedly contacted the XXXX  accounting and billing offices to address/pay this issue over 4 years. It has been opened and closed with numerous collection agencies yet this appears to be a new attempt at collecting {$180.00}. I have been told by the XXXX  it was paid, then told it is for the XXXX. Now I have no idea if this is legitimate or a scam. 

Today, my wife received a text message demanding payment, she has nothing to do with this issue.
Product: Credit card

I Did Not Authorize This Company To Report This Transaction To My Credit Report. I Demand For This Account To Be Closed And Removed From My Credit Report Per 15 U.S Code $ 1681c-2 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, not later than 4 business days after the date of receipt. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Account info Account name XXXX XXXX  Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/XXXX Status Open. {$300.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$15000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$300.00} Credit limit {$15000.00} Highest balance {$15000.00}
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXXXXXX 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 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain items on my consumer report as provided by Chex Systems. Pursuant to the Fair Credit Reporting Act ( FCRA ), I have the right to challenge information that I believe to be inaccurate or unverifiable. This letter serves as my formal dispute regarding the following items on my consumer report : Reported Items 1. Reported For : ACCOUNT ABUSE Reported Name : XXXX XXXX Reported Address : XXXX XXXX XXXX XXXX, XXXX, MA XXXX Reported SSN/ID : XXXX Drivers License : XXXX ( State : MA ) Date of Closure : XX/XX/scrub>XXXX XXXX XXXX : XXXX / XXXX Original Charge Off Amount : {$8500.00} Closure Status : UNPAID ( Closure Status Date : XX/XX/year> ) Source of Information : XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX, XXXX, FL XXXX Phone Number : XXXX 2. Reported For : ACCOUNT ABUSE Reported Name : XXXX XXXX Reported Address : XXXX XXXX XXXX XXXX, XXXX, MA XXXX Reported SSN/ID : XXXX Drivers License : XXXX ( State : MA ) Date of Closure : XX/XX/year>XXXX XXXX XXXX XXXX XXXXXXXX / XXXX Original Charge Off Amount : {$1600.00} Closure Status : UNPAID ( Closure Status Date : XX/XX/year> ) Source of Information : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX MA XXXX Phone Number XXXX XXXX 3. Reported For : TRANSACTIONS INVOLVING POSSIBLY ALTERED ITEMS OR CHECKS Reported Name : XXXX XXXX Reported Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, MA XXXX Reported SSN/ID : XXXX Drivers License : [ State unspecified ] Date of Closure : XX/XX/year> XXXX XXXX XXXX XXXX  / XXXX Original Charge Off Amount : {$14.00} Closure Status : UNPAID ( Closure Status Date : XX/XX/year> ) Grounds for Dispute 1. Violation of FCRA 603 ( d ) [ 15 USC 1681a ] : Chex Systems report contains private transactions and experiences ( e.g., overdrafts, account closures ) between myself and the financial institutions, which should not be included in a consumer report without explicit consumer consent. 
2. Lack of Authorization : I did not provide written authorization to the financial institutions or Chex Systems for the sharing or reporting of my banking information.

3. Inadequate Notification : Under FCRA 606 ( a ) [ 15 USC 1681d ], I did not receive prior notification or disclosure that an investigative consumer report regarding my banking history was created.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  is reporting a charge off to my credit report. This charge off is considered a certificate of indebtness which is now income. INCOME CAN NOT BE REPORTED TO A CREDIT REPORT!!!!!!!
Product: Checking or savings account

The dollar amounts were manipulated within my account with Bank of America ( checking ). These manipulations also fall under FTC violations as funds in my account were tampered with to reach stated amounts below : The below figures were taken ( minus ) from my account. 

XX/XX/XXXX - {$8.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$1.00} XXXX XXXX. Seller Fees XX/XX/XXXX Purchase XX/XX/XXXX - {$2.00} International Transaction Fee XX/XX/XXXX XXXX XX/XX/XXXX - {$0.00} International Transaction Fee XX/XX/XXXX XXXX XXXX  XXXX De XXXX
Product: Checking or savings account

Bank of America recieved a legal order to garnish my bank account XX/XX/2022 for the amount of {$2000.00}. The requested return date was 30 days later XX/XX/2022. Bank did not start processing until XX/XX/2022. They were able to capture {$46.00} on/or about XX/XX/2022. After that date, I no longer had access to any funds in my account. All funds were held until I called on XX/XX/2022 to see why the order was still going after the original garnishment amount of {$2000.00} was captured. I was told that a mistake had been made and the funds would be returned to me in 24-48 hours. They also stated that the account hold would be taken off. At that point {$2300.00} had been held. On, XX/XX/2022, Bank of America returned {$820.00} to my account while simultaneously creating a check for the garnishment in the amount of {$1400.00}. This order was not a continuing garnishment and all funds should have been returned to me. They lied and said that the {$1400.00} was in my account. There was never that much in the account in XXXX or XX/XX/2022. I've called Bank of America almost daily since XX/XX/2022. I went into a branch on XX/XX/2022 to be told that I'd need a lawyer to get my funds. 
I have not been able to make a formal complaint, talk to anyone in their legal order dept, or get a resolution to the issue. This now causes me to have to make payments to the creditor to finish out the garnishment.
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 submissions, Equifax consistently responds within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act. ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No, 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation Accounts not corrected XXXX XXXX Revolving with account # XXXX XXXX XXXX Installment with account # XXXX XXXX XXXX XXXX XXXX  with account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : This grievance is in regards to Freedom Debt Relief. I have been paying over {$400.00} a month for almost 2 years under the impression that Freedom would settle and pay roughly {$20000.00} in credit card debt for me. I have recently just found out that after paying a total of {$7200.00} to them, they have only paid out a total of {$1000.00} to my creditors.

I have tried to reach out to the company with no success for resolution. When asked where the remainder of the funds was one representative informed me that I could view it as " being  thrown away ''. 

After contacting the XXXX XXXX XXXX I was sent up with a " Reputation Management Specialist '' for Freedom, but I have never been able to reach them. I have called multiple times, but always get told that the person is not in the office.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying for years now to get these liars to get the lie off my report. XXXX XXXX XXXX located in Nevada, is the company I'm speaking off. I paid in full and told them to close my account. Instead they just make the account charge-off instead. Please get this off my reports. Or I'll just sue!
Product: Checking or savings account

XXXX authorized a fraudulent transaction of {$700.00} made by Capital One using the bank routing number and my account number from a phone call payment to them. Neither company had verifications in place and will not review this case despite the fact I do not have an account with Captail One. This  type of theft is too easy as it is on everyone 's personal checks. 
XXXX has also cited a 60 day rule that they can't do anything however federal law 1005.11 cites 60 days after statement is sent ( I would reasonably expect my XXXX statement in XXXX ) that would not be 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 other 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I have an XXXX XXXX XXXX XXXX issued by Barclays Bank Delaware. My XX/XX/XXXX statement balance was {$2300.00}. I mailed in payment and payment stub to the XXXX, GA address listed on the payment stub around XX/XX/XXXX. Based on the endorsement stamp on the back of the check and my bank records, the check was received and deposited by Barclays on XX/XX/XXXX and cleared my bank on XX/XX/XXXX. To date the {$2300.00} payment has not been applied to my account. I checked my statement online on XX/XX/XXXX and noticed the issue. I used the online messaging system to alert XXXX XXXX XXXX XXXX to the issue. I never received a reply to that message and any trace of that initial contact has been removed from my online account records. I called on Monday, XX/XX/XXXX, and spoke to a customer service representative. She requested that I fax confirmation of payment so that the Payment Research Department could investigate the issue. I sent the fax to the number I was given, ( XXXX ) XXXX at XXXX XXXX CST on Monday, XX/XX/XXXX. The fax machine report indicated that the fax was transmitted successfully. I have placed calls to customer service on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have talked to three different customer service reps and one supervisor. None of them have been able to tell me anything about the status of the investigation other than " it will take 2-3 business days to complete. '' I have been repeatedly told that it is impossible for me to speak to someone in the " back-office '' or Payment Research Department about the issue. On XX/XX/XXXX, the supervisor I spoke with seemed to indicate that even the customer service department could not contact the Payment Research Department on my behalf. The supervisor could not even confirm if the fax I sent on Monday, XX/XX/XXXX have been received. The endorsement on the back on my check for {$2300.00}, which cleared the bank on XX/XX/XXXX, is from Barclays Bank, the issuer of the XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute with Equifax a credit card on my account they showed I owed XXXX , it was actually XXXX and paid off, but they wanted to prove it was me by asking when my report was locked, I looked at my report and it showed no previous lock, but he said it did and I would have to file by mail ... 

Here is the problem : all my credit report said was { File Blocked For Promotional Purposes } The other two credit reporting agencies allow for disputes without having a 10 digit number, I don't understand Equifax 10 digit number cause it doesn't show up on my report as well.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 other 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX bal. {$500.00}, XXXX XXXX. {$270.00}, XXXX XXXX. {$100.00}, XXXX bal. {$800.00}, XXXX bal. {$9900.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX of XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out to XXXX regarding a late payment on my credit report. 
As a consumer, I am made aware that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. With this being said, please show proof where my periodic statement was sent regarding one late payments. If a periodic statement can not be sent showing where these late payments occurred, please do your due diligence to update these one late payments. They are only affecting my financial reputation but also causing financial harm to myself. 

Account XXXX XXXX XXXXXXXX Last XXXX digit of XXXX : XXXX
Product: Vehicle loan or lease

We have called several times for arrangement on our car payment and setup a deferment signed and dated XX/XX/XXXX and returned through email like requested. Fifth third claimed they did not receive so we resubmitted another document on XX/XX/XXXX. XX/XX/XXXX I spoke with XXXX at Fifth Third Bank about Covid hardships and they setup us up for a 3 month deferment. I signed and dated all paperwork the same day and emailed it back. I was assured that they received the email and We were told that our payment would not be due again until XX/XX/XXXX. I have all documents. They then sent out a repo truck and repoed our vehicle XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX  and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX Company 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