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

NCB MANAGEMENT {$2600.00} REPORTING FRADULENT INFORMATION ON MY CREDIT REPORT AND FAILED TO PROVIDE ORIGINAL SIGNATURE AND IDENTITY OF WHOM ACCOUNT WAS OPENED BY. ACCOUNT WAS OPENED FRADULENTLY AND NOT MINES
Product: Money transfer, virtual currency, or money service

I received an email from XXXX pay cash. It gave me a phone number and told me I needed to call immediately. The first thing that was asked after dialing the number was my social security number I was spooked. I hung up, did not provide my SSN. I called XXXX normal customer service at XXXX. I asked if the number for XXXX Pay cash was valid. XXXX told me yes, the XXXX Pay cash number was valid and that I should call them for further assistance. I called the XXXX pay cash number back. I was told numerous times by numerous agent that they could not help me. They kept telling me literally to hang up and call back and they could not help. I finally got through to One agent who was able to look into my account and told me they may have contacted me about sending out a new card or something like that. She put me on hold to look further into the details and then I was transferred to another random agent who had no clue what was going on and said we had to start all over but then she said she couldn't help me. 

Additional identifying information in the email body I will provide here. 

XXXX Pay Cash is a Prepaid card issued by XXXX, Member FDIC, pursuant to license by Mastercard International Incorporated. Netspend, a XXXX XXXX, is a registered agent of XXXX. Certain products and services may be licensed under U.S. Patent Nos. XXXX and XXXX. Use of the Card Account is subject to activation, ID verification, and funds availability. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. See the Cardholder Agreement for details. 

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. 

Card may be used everywhere Debit Mastercard is accepted. 

XXXX and XXXX Pay are registered trademarks of XXXX XXXX XXXX, XXXX.
Product: Vehicle loan or lease

I contacted GM Financial to extend my lease to get time to find financing. I was given a 2-mo extension and was told to call back as I can receive up to 6-mo ext of time. When I called back to extend the lease I was told that due to previous paying ( yes, I have been late due to divorce and COVID but my account was paid up to date when I made phone call ). I tried to purchase vehicle at a lower purchase price and was told that wasn't an option and that I was to return vehicle to dealership immediately. I wanted to purchase vehicle because the mileage was high. Since I was instructed to turn lease in, I went to  XXXX XXXX XXXX and turned vehicle in. I was told by XXXX at XXXX that they would pay what was owed to GM Financial. Much to my dismay I was sent an XXXX invoice. I contacted GM Financial and told asked them why I was being charged this exorbant amount for vehicle. They informed me that I needed to contact XXXX XXXX XXXX for information. I contacted XXXX XXXX XXXX and requested amount paid to GM Financial for the lease. I spoke with XXXX and later another supervisor. Both informed me that the information was classified and that I was not privy to the information. I believe GM Financial is trying to get from me more than the vehicle is even worth. If they had sold the vehicle to me directly I wouldn't be in the upside down position i am in. GM Financial should not be allowed to  SQUEEZE every XXXX out of its clients. In these times of COVID, I am requesting that this be looked into and I be released from the XXXX debt that was added to my credit report. This is robbery at its finest with no one to account for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

These soft inquiries need to be removed from my credit report as they are fraudulent. Already tried to fix it with the credit bureaus and they are unwilling to help me and remove the soft inquiries. They claimed that the inquiries can not be removed, but you can remove them instead of the credit bureaus. I have never applied for an Apple Card credit card and have no interest applying for one in the future since this happened to me. Please remove these soft inquiries from my credit report from ALL credit bureaus. There may be more in your system but they all need to be removed as they are all fraudulent. I would like all my accounts closed permanently. I will decide whether I want to open them back up if I happen to want to apply sometime in the future which is very unlikely. I am not going to ask again to have them removed since this has continuously going on time and time again, and have been working with you and credit bureaus to get them removed for over a year now. Some of the inquiries are listed below. 

APPLE CARDGS BANK Location XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX APPLE CARDGS BANK Location XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX
Product: Debt collection

Today I received a letter in the mail from a company I never heard of and was not on my credit file threatening to sue me. I have no idea what this company is, the services they provide, how much they claim I owe and if anything what services I was provided. I need to be provided with an original contract with my signature, social and copy of identification. What dates I was supposed to have acquired their services and on what grounds am I to be sued. As per section 609 and 611 of the Fair Credit reporting act I am within my rights to request from them 100 % proof not copies of any bill as to what this account is for and it's mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting 8 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting or other personal consumer reports

I was trying to purchase house when I found out that there are damaging inquiries on my report according to 15 U.S.C 1681 law there should not be any damages on report
Product: Debt collection

XX/XX/2019 I was forced to break my lease due to having to move because of business reasons which now I understand was due to beginning stages of COVID 19. I thoroughly had the home cleaned by a professional cleaner. An employee of XXXXXXXX XXXX  came to the home and did a walkthrough to take notes of the condition of the home. The person commented on how well the home was taken care of and said that I would have information forwarded to my new address, concerning my refund of my deposit minus any funds used for any redecorating needed to make the place ready for the next tenant. Some weeks later I received a statement with fraudulent charges and claims that I had broken things throughout the home including wall plates, toilets, and blinds. I attempted several times to speak to the person who was handling my account and was never given any direct access. After a while I was simply told that she no longer worked for the company. I wanted a copy of the initial walkthrough form that I signed before moving into the home to compare the damages I pointed out to those they claimed I did. I was charged for claims of excessive high grass and some fees that I did not agree to. In the lease, there was a clause about a redecorating fee which I was fine with but the fraudulent charges on top of the fees noted in the lease agreement is causing me to lose money due to the impact that the collection has done to my credit score. I believe that XXXX XXXX XXXX took advantage that was a renter and felt they could commit fraud without any repercussions.
Product: Credit card or prepaid card

I am the owner of XXXX XXXX, which is a XXXX XXXX XXXX based in Arizona. On XX/XX/XXXX, XXXX XXXX used an American Express card ending in XXXX to book my property in the amount of {$8200.00}. XXXX XXXX booked my property through XXXX XXXX XXXX  ... He booked for XXXX XXXX XXXX. On the terms and conditions page you will find that there is no refund available if you cancel less than 30 days before check-in. you will see in my attachments that when you go to book on the website, you must check a box that says " i agree to the terms and conditions '' which takes you to the page that lays out the refund policy. there is also a box below it that makes you check a box for the cancellation policy- laying out the refund policy again. XXXX XXXX checked both of those boxes and made the payment. that is, the payment would not be able to be processed unless the person checked those boxes. 

The credit card used was American Express, but my credit card processor is XXXX. 
On XX/XX/XXXX, XXXX and XXXX XXXX cancelled the reservation to stay at my property. This was one day before check-in. Therefore, no refunds were available. 
XXXX XXXX filed a dispute with American Express and American Express ruled in his favor. I was notified by XXXX that there was a dispute opened on XX/XX/XXXX. I sent in the contract that XXXX XXXX had with my company but American Express ruled in his favor, and XXXX denied my claim for the dispute. I am now hoping to submit evidence that will show evidence that the customer expressly agreed to the payment agreement and contract listed on the website that they booked through. I am hoping to have the chargeback reversed so I can get reimbursed from the fraudulent claim against me and my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$670.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Debt collection

I have disputed a collection on my credit report with Monterey Collection Service, and not once have they shown me any correct documentation of this debt. Not is the collection still in place, but it continues to increase every few days. I have not been notified via phone call nor email from the collection agency.
Product: Credit reporting or other personal consumer reports

I requested documentation proof of me being late on this account. Self financial is reporting two late payments that are not accurate. If you can not supply this, Please DELETE these alleged late payment from my credit report per 15 USC 1681b. Your company is in clear violation of the law under 15 USC 1681b.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ) in relation to the account reported under XXXX XXXX XXXX. ( partial account number : XXXX ). The reported information contains multiple inaccuracies and inconsistencies, and despite previous disputes, TransUnion has not corrected the issues as required by law. 

XXXX Violations and Detected Inconsistencies XXXX. Inaccuracy of Reported Information ( FCRA, Section 607 ( b ) ) : - The account status is reported as " Derogatory '' by TransUnion, while XXXX reports it as " Closed. '' - Dates for account opening, last report, last activity, and last payment are inconsistent when compared to data from other agencies. 

- Fields in the payment history are incomplete, with blank spaces instead of accurate information. 

XXXX. Lack of a Reasonable Investigation ( FCRA, Section 611 ( a ) ) : - Despite previous disputes submitted to TransUnion, the inaccuracies in this account have not been corrected. This indicates a failure to perform the reasonable investigation required under the FCRA. 

XXXX. Impact on Payment History ( FCRA, Section 605 ( b ) ) : - The payment history section is completely blank, which fails to accurately reflect the actual activity of the account. 

XXXX. Incomplete or XXXX XXXX XXXX XXXX ( FCRA ) : - The reported credit limit of {$2700.00} shows discrepancies when compared to information reported by other credit bureaus, raising concerns about its accuracy. 

Additional Concerns TransUnions continued failure to address these issues after previous disputes reflects noncompliance with 15 U.S.C. 1681i ( a ), which requires credit reporting agencies to conduct timely and reasonable investigations.
Product: Credit card or prepaid card

On XX/XX/XXXX I opened a Barclays AAdvantage Business Card. The promotion advertized 80,000 XXXX XXXX miles with {$2000.00} in purchase. I met the requirement in XXXX and have not yet received the points four months later.

I have contacted the company several times through their secure messaging. As of my last communiction in XXXX they stated it would been another 1-2 months. The terms of the offer say bonus paid in 4-6 weeks and can cometimes take 8-10 weeks. At this point it has been way longer than that and I do not think it is fair to wait another 1-2 months. 

This was my last communiction from them on XX/XX/XXXX : We are sorry to hear that you have not received your bonus miles from your introductory offer. Upon review of your account, we show that you have met the spending requirement of {$2000.00} on XX/XX/XXXX. As of today, XX/XX/XXXX, we have created a rewards case to investigate the missing miles and have the miles adjusted to your account. The case number would be under XXXX. We ask to please allow up to 1 to 2 billing cycles for the case to be investigated and completed. We apologize for the delay of the bonus miles and the inconvenience this has caused.
Product: Debt collection

On XXXX/XXXX/XXXX I responded to a final notice from advocate health care by phone and talked to XXXX at XXXX and asked for a payment plan of XXXX month paid bi-weekly XXXX told me she would have to refer the matter to management and would call me back with an answer.I never received a call so i sent a XXXX payment via : money order # XXXX on XXXX/XXXX/XXXX I called again on XXXX/XXXX/XXXX and talked to XXXX at XXXX who said was sent a letter agreeing to payments of XXXX bi-weekly and informed me my account was sent to collections and could not be returned.I complained I was never called as promised or told to look for the decision in the mail. XXXX transferred me to XXXX where i spoke with XXXX who told me I made a payment on XXXX/XXXX/XXXX and the account was sent to collections on XXXX/XXXX/XXXX I informed her my money order dated XXXX/XXXX/XXXX was mailed on the same day XXXX/XXXX/XXXX. XXXX informed me she would send a email to the in house self pay unit who would contact me in XXXX hours this was XXXX on XXXX/XXXX/XXXX. Today, XXXX/XXXX/XXXX I received a letter from a collection agency dated XXXX/XXXX/XXXX with a threat to seek judgement from me for the full balance not minus my XXXX payment. I went through my mail and found a payment arrangement letter from XXXX dated XXXX/XXXX/XXXX that demands a minimum payment of XXXX not the XXXX bi-weekly payment i asked for.I still have not heard back from the " in house '' self pay department.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before. 

These addresses were used to open accounts in my name XXXX XXXX XXXX XXXX XXXX, DE. XXXX XXXX XXXX XXXX, XXXX, DE. XXXX XXXX XXXX XXXX, XXXX, DE. XXXX XXXX XXXX XXXX XXXX, XXXX, DE. XXXX XXXX XXXX XXXX, XXXX, NY. XXXX XXXX XXXX XXXX, XXXX, DE. XXXX XXXX XXXX XXXX, XXXX, DE. XXXX These are the accounts in my name that stems from the identity theft : Consumer Portfolio XXXX XXXX XX/XX/XXXX {$22000.00} Self Financial Open : XX/XX/XXXX {$950.00} XXXX XXXX XXXX XXXX. {$440.00} A copy of an FTC report listing the Accounts opened in my name is enclosed. My consumer FICO credit report now contains multiple fake addresses as a result of these accounts. A copy of your consumer FICO credit report, which includes the aforementioned bogus addresses, and a list of the questioned addresses are attached. The aforementioned addresses, as reported, are unfamiliar to me. I never began using the aforementioned addresses that are listed on my consumer credit record that you maintain. The addresses listed above are all the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as official documentation from the US Federal Trade Commission demonstrating that the addresses listed above are all the product of fraud and identity theft.
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. 

No XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX Equifax, XXXX XX/XX/XXXX Equifax, DEPT OF ED XX/XX/XXXX XXXX, XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX Equifax, XXXX XX/XX/XXXX Equifax, XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax, XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX XX/XX/XXXX Equifax, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX Equifax has violated 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I saw some fraudulent accounts on my credit report. Can you please take them off? Theyre impacting my credit score.
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  XXXX XXXX. Account Number : XXXX, Account Name : XXXX  XXXX. Account Number : XXXX, Account name : XXXX XXXX XXXXXXXX Account Number : XXXX, Account Name : XXXX XXXXXXXX XXXX Account Number XXXX XXXX. Account Name : XXXX XXXX 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 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: Debt collection

LVNV FUNDING LLC # XXXX I'm unaware of this debt and did not receive proper notification. If you believe proper notification was provided, please provide the Certified Mail with Receipt with my signature. Otherwise please DELETE ASAP.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Payday loan

I responded to an email approval for a payday loan through Acceptance Solutions Group and was approved for {$600.00}. I received a response for a loan associate named XXXX for how much I wanted and I agreed to {$300.00}. XXXX then asked for my address, email, banking information, and debit card number. I sent the requested information back and was told I should receive the funds that day or the next. I did not receive the funds and first XXXX stated the underwriters did not approve at that time but did after I was sent the forms and electronically signed them already. After a week XXXX finally told me they sent the money to an old XXXX account the pulled from previous data instead of the information I sent her and she requested in an email. XXXX never sent the money back and was credited to the old account. Now I assume they want to charge me for their mistake. I never completed an updated application, I have not had that XXXX account in over 6mths, and I still have not received any money ye they are still trying to charge me. I can not get XXXX on the phone now.
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX refuse to delete an item that the collection closed after investigation by CFPB Complaint # XXXX XXXX. 
XXXX XXXX XXXX closed the dispute and are not attempting to collect but still report past due to the XXXX bureaus every month. 
This adversely affects my score. There are no late payments on my credit report except for this but my score is poor. Its the collection that is the only derogatory. 
I can not afford {$440.00} to pacify dishonesty. The original fraudulent charge of {$120.00} was dismissed by the original creditor XXXX XXXXXXXX XXXX  but exactly a year later sold it to collections who now want {$440.00}. 
Please help again Thank you
Product: Checking or savings account

I have a an account with so fi bank and they restricted my account for no reason after I received a XXXX dollar wire transfer.It was my friend helping me with money.I have called over and over with no call back.