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

All The Major Credit Bureau 's have committed fraud against me and I need these issues solved immediately. The physical addresses for these companies are listed below. Not only have they hoarded my personal information without my expressed written permission/consent they have committed fraud against this consumer on numerous occasions. I have filed a complaint on XXXX with the F.T.C ( federal trade commissions ) my complaint confirmation number is # XXXX. I called them today Thursday XXXX XXXX and they told me to contact you about my issues as well. I want all matters of my credit solved and dismissed because they were under fraud and there was no written consent by this consumer which is Me. I have tried to solve these problems and there has been no action. My next actions are to take legal actions because these company think this is a game. This is my life and I am not going to put my life in the hands of the credit bureaus. They have already let me down by providing my personal information without my consent for their financial gain.Pursuant to the 1974 Privacy Act all three credit bureaus violated all my privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt collection Practices Act all 3 bureaus maliciously and collectively shared my personal information to make trillions of dollars by selling to various debt collection, student loan collections, employers, financial institutions, and a host of others. My wish is for the C.F.P.B and F.T.C to demand on my behalf that all 3 three credit bureaus remove all of this Consumers social security numbers, date of births, financial accounts, credit/debit card numbers, drivers license numbers, identification number, detailed health or medical history or any other similar sensitive personal information. All relations with these 3 credit bureaus ' are in question for reporting fraudulent information to disgrace this Consumer. This Consumer wishes for the damages of XXXX XXXX dollars and credit score of XXXX from all three credit bureaus for their Treasonous deeds and all will be forgiven. Consumer would also like to Thank the C. F.P.B for protecting my personal information, family, and household. 

XXXX XXXXXXXX XXXX XXXX XXXX, Ga XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX Ga XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX, # XXXX, # XXXX, # XXXX, # XXXX # XXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, 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 written instructions from the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint for these two bureaus to remove the unauthorized inquiries that do not and never belonged to me! 

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 Equifax : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I bought a car from XXXX XXXX in XXXX XXXX XXXX and the car was financed to a fraudulent claim from Santander Consumer USA. I have been paying month 1 without, any missed payment or even late. I made {$2200.00} on the capital they don't make the appropriate corrections. All my claims stayed in a deaf hear. 
What can I do
Product: Debt collection

On XX/XX/2019 at XXXX - XXXX XXXX XXXX from XXXX , XXXX & XXXX , XXXX . who is representing XXXX XXXX XXXX, contacted me via email regarding an account that they have filed a lawsuit against me ( Oregon XXXX ) along with another debt that they are also representing XXXX XXXX XXXX but does not have a lawsuit associated with it. They have stated to settle with them without defending myself in the lawsuit. They have threatened lawsuit with the non-lawsuit account and suggested that I file for bankruptcy, thus trying scare tactics to pay them in full for debts that are being disputed.
Product: Payday loan, title loan, or personal loan

Kabbage recently responded to my XXXX complaint about a denial to a lone of credit due to text issues on the the companies behalf. They responded I didn't give all documentation.and I have to wait 60 days to apply..But te same complaint with XXXX they responded notifying of their wrong decision and invited me to reapply .please see attachment and date. They have unfair and unethical practices and they need to XXXX investigated.I attached their contradicting response with CFPB AND XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent letters to the XXXX credit bureaus telling them that there were items on my credit report that should not be there! There were multiple incorrect entries that I did not know about nor know how they were put on my report! It has been over XXXX days since I sent these letters and I have still not heard back from any bureau. According to section 611 a, failure to investigate items in XXXX  days gives reason to immediately remove all the inaccurate items from my credit report. And I truly believe that after waiting this long they have not even started my investigations! I need these items to be removed immediately or I will have to file for litigation!
Product: Checking or savings account

Consumer Financial Protection Bureau, I am writing to bring light to several grave concerns regarding serious legal and ethical violations by Chime Financial Inc. 

In case XXXX, rebuttal XXXX, Chime has acted in blatant disregard for consumer protection laws, their own contractual terms and conditions, and basic standards of fairness and truthfulness. 

Specifically : - They have exceeded the legally mandated 90 day limit to investigate and resolve consumer disputes, dragging this case out for over 6 months. 

- Chime Robots/Programs tampered with and illegally manipulated critical evidence I provided, and then making certain the tampered document attributed to the merchant 's ( XXXX ) XXXX in order to rule against me. This is a clear breach of contract, act of deception and a direct disqualification to the dispute automatically making me the winner of rebuttal XXXX in XX/XX/XXXX. 

- After admitting in writing that I had won the dispute in XX/XX/XXXX and was owed {$1900.00} in refunds, these funds were never disbursed to me. 

- Chime claimed because they do not own the technology behind the XXXXXXXX  from XXXX XXXX XXXX any selfie images taken from the XXXX is unable to be verified by their robots/programs, therefore, they will reject any evidence such as selfies that showcased the customer 's direct location when both unauthorized transactions took place. On XX/XX/XXXX, Chime closed the dispute and chose the merchant as the winner because Chime couldn't verify selfie images from my XXXX, using this as justification to once again rule against me, despite having already stated I won the dispute. 

- A Chime Manager, XXXX XXXX, has been implicated in overseeing many of these ethically bankrupt practices, focused on denying my legitimate dispute at all costs, causing me emotional and financial distress. XXXX XXXX, denied more than five of my dispute rebuttal and rather than finding a solution to my issues by responding politely to my emails, phone calls, she had her colleague ignore my issues and threatened me with police involvement when I inquired about the delayed resolution and missing XX/XX/XXXX credit. 

Chime 's actions represent outrageous violations of consumer legal protections, contractual obligations, and any basic sense of fairness or honesty. I have suffered great emotional and financial distress due to their unethical practices. I urgently ask the CFPB to launch an investigation into Chime and hold them fully accountable for these inexcusable actions. The {$1900.00} I am rightfully owed must be refunded to my checking account immediately by Chime. 

Please protect consumers and uphold justice. Please help me fight against this company cruel tactics and ensure they can not continue taking advantage of others. I desperately need your help as I am out of options myself.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX Date of inquiry : XX/XX/20XXXX XXXX XXXX XXXXXXXX of inquiry : XX/XX/2023
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, OH XXXX Attn : XXXX XXXX, Manager Email : XXXX CC : XXXX XXXX, XXXX Subject : Formal Dispute & Demand for Immediate Deletion Incorrect Debt Reporting Dear XXXX XXXX, I am formally disputing the alleged debt that TekCollect has attempted to collect and report on my credit file. This debt does not belong to me, and I have never lived at XXXX XXXX XXXX or had any association with that address. 

On XX/XX/year>, I confirmed over the phone with your representatives that this debt does not belong to me. Despite this, you have now used my current address to send me debt validation for an account that is clearly not mine. This raises serious concerns about how and why you are continuing collection efforts against me when I have already disputed the debts legitimacy. 

Violation of My Rights Under the FCRA & FDCPA Pursuant to the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), you are required to : Provide accurate information when reporting debts to credit bureaus. 
Cease collection efforts when an account is proven to be erroneously attributed to a consumer. 
Validate debts only against the rightful debtorwhich is not me. 

Since I have never resided at the reported address and have already confirmed that this debt does not belong to me, you have no legal basis to continue reporting, collecting, or attempting to validate this account under my name. Your continued actions may constitute violations of XXXX XXXX Code XXXX ( FCRA ) and XXXX XXXX Code XXXX ( FDCPA ), both of which prohibit the reporting and collection of false debts. 

Demand for Immediate Deletion I am demanding the immediate removal of this account from my credit file and a written confirmation that you have ceased all collection efforts related to this matter. If this account is not deleted within XXXX  days, I will escalate my complaint by : Filing a formal complaint with the CFPB, FTC, and my State Attorney Generals Office. 
Pursuing potential legal action against TekCollect for violations of federal consumer protection laws. 

This letter serves as official notice under the FCRA and FDCPA that I do not owe this debt, and any further attempts to collect or report it will be treated as willful noncompliance with federal law. Please provide a written response confirming deletion and closure of this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Pursuant to 15 USC 1692c. ( C ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums. Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and original creditor I am demanding all of the following : Zero out the balance on this account. Grant me my title lien free. Pay the attached invoice and compensate me for every violation labeled in the attached exhibits. Deletion from all consumer reports
Product: Money transfer, virtual currency, or money service

Sent money to my wife in XXXX on XX/XX/2018 in the amount of {$120.00} at Moneygram station or CVS Pharmacy at XXXX XXXX XXXX, in XXXX, PA XXXX. Total cost {$130.00} which included the fee. Moneygram reference number XXXX. Moneygram gave me a refund including the fee later that week. Moneygram said that they didn't feel comfortable sending money for me after the review. There's nothing I can do about this they said.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00}
Product: Credit card or prepaid card

In the last week of XX/XX/2023 I received a pre approval from Capital One for a XXXX credit card. I applied for the card with my current information and was approved. I then received the card in the mail to the address I had applied with and activated my card using the telephone id applied from with the phone number Id put on my application. My card was already restricted when activated. Upon calling capital one multiple times I had 3 different supervisors verify my new number and unlock my card just to have it locked on the next purchase. I am a victim of XXXX  XXXX and all of my information is updated as I am hiding from my husband and trying to get my children and i to another state. I applied for this card with the intention of using it to aid in helping us make this possible. I do not have an id due to Covid and my appt with the California dmv isnt until next month. Capital one has promised that a specialist would be calling me every day since turning my card off the last time and still nothing. I dont understand how one supervisor can send me a text to my phone number, another supervisor can call me on my phone number, a fraud specialist can leave me a voicemail on my phone number, I can get a PIN number sent to the address on the application but its not able to be used to identify me and all of a sudden no one at capital one can use my phone number to verify my identity all tho iv done just that numerous times. If an ID card was needed to access my lien of credit then why would capital one not ask for it upon the initial application, before singing my credit report and sending me a card I can not use? I had to go they great links in order to even get this card safely and now Im back at square one. Had capital one conducted a proper procedure in the application process and asked my id when applying, I wouldnt have wasted my time or opportunity in getting this car and would have tried for a card thru another company with more honest practices and no hidden hoops to jump thru. This is now effecting mine and my children lives in a much larger and dangerous way then imaginable to all of the people at capital one that have misinformed me numerous times and all have different procedures and policies then the next agent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  BANKRUPTCY ( XXXX XXXX XXXX  ) REFERENCE NUMBER XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file does not belong to me. This account was fraudulently opened through this company in XX/XX/XXXX XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Money transfer, virtual currency, or money service

I made a {$480.00} Zelle payment through my linked XXXX account on XX/XX/25 which was processed on XX/XX/25. The funds have been deducted out of my checking account, however, the Zelle funds were never sent to the recipient. I have contacted Zelle through XXXX multiple times and have been advised that it's a technical issue with no resolution date and they are not refunding my money.
Product: Debt collection

I 've been receiving numerous robocalls, hang-ups and a few calls where caller does n't ID themselves, where they 're calling from, who they are and the nature of their call. These calls are fro XXXX, Discover, XXXX XXXX. I 've been saving the calls on my cell phone. I finally sent out cease and desist letters but now XXXX XXXX Bank has begun calling. I 'll be sending them a letter as well tomorrow -- certified/return receipt requested. 

XXXX XXXX XXXX XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX. XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX. 
Discovercard XXXX XXXX at XXXX XXXX did n't ID where calling from, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX am did n't ID where calling from. 
XXXX XXXX XXXX XXXX XXXX at XXXX XXXX & XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX & XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX XXXX. 

These are just the calls that I kept track of. Most are robocalls and since this is a cell phone under the XXXX government cell phone plan, I do not appreciate it. I am filing for bankruptcy and these people call XXXX times a day?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this inaccurate information on my report for months, it is still causing a tremendous hardship and the information remains : =============================================== Overview Reference Number XXXX Date Filed XXXX. XXXX, XXXX Classification Bankruptcy Type XXXX  XXXX Bankruptcy Responsibility Individual Asset Amount XXXX =============================================== Overview Reference Number XXXX Date Filed XXXX. XXXX, XXXX Classification Bankruptcy Type XXXX  XXXX Bankruptcy Responsibility Individual Asset Amount XXXX ============================================== DEPT OF ED / XXXX Reported : XXXX. XXXX, XXXX {$73000.00} In good standing ============================================== XXXX XXXX XXXXXXXX XXXX Balance {$1700.00} Balance updated XX/XX/XXXX XXXX closed account
Product: Credit card or prepaid card

I received a reward credit card from XXXX. The amount was {$10.00}. The expiration date on the card is XX/XX/XXXX. I didnt use the card for a year and when I tried to use it the card was denied because it didnt have a balance. When I called XXXX XXXX Reloadable Card # XXXX also registered in NY by the name of InComm Financial Services, they informed me that they have f charged me {$10.00} because I had not used the card although the expiration date is XX/XX/XXXX. I have the original reward letter from XXXX and nowhere on the letter or on the card does it state there are fees if you dont use the card before the expiration date. I realize {$10.00} is a small amount but this practice should not be allowed to continue. A card is valid until it expires like any other contractual agreement. One should not be penalized while a contract is still valid. I want my {$10.00} returned and further this is an example of extraordinary extortion by a credit card issuer which apparently they feel they can arbitrarily enforce.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a letter from LexisNexis stating that I disputed a Bankruptcy on my consumer report for inaccuracies. They reported that they verified this Bankruptcy matching it to my address and social security number through an electronic system called PACER. Now with that being said I have a right to privacy under the privacy act of 1974 which clearly states that you can't report any information about me from a system of records without my written authorization or consent. I never gave such consent to LexisNexis, meaning they are violating the law. They even admitted to this blunder in the letter they submitted to the CFPB.

PACER is the system of record for bankruptcies. Please be advised that while the U.S. Bankruptcy Courts may not provide information directly to consumer reporting agencies, bankruptcies are a matter of public record and can be obtained from PACER, which is an electronic public access service that allows users to obtain case and docket information online from federal courts. This service, offered by the Federal Judiciary to allow public access to court information, provides up-to-date information about the status of bankruptcy matters, including information about the parties involved in a case.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, Broker/Realtor, XXXX : XXXX The above mentioned company has listed a fraudulent debt with collection agency SARMA ( XXXX XXXX Retail Merchants ) on all three credit bureaus. I have been trying for over 30 days to get them to remove fraudulent debt and have sent letter to SARMA to provide a copy of the NSF check they are reporting, which when contacted by credit bureaus have changed to a loan of {$2000.00}. I have NEVER written a check to that company, I have NEVER entered into contract with XXXX  XXXX XXXX. Every time I " dispute '' via Credit Bureaus SARMAXXXX XXXX XXXX changes type of debt. They have yet to provide any time of proof for an NSF check or coy of an executed contract to date. These people are clearly conducting illegal and fraudulent business in XXXX XXXX. 

There are plenty of complaints from people throughout XXXX XXXX who are dealing with these people via HUD Section 8 housing, but because they have over 200 homes within the system ... all complaints fall on deaf ears. ( I was not within this program, and have NEVER conducted business with XXXX XXXXXXXX XXXX. ) XXXX XXXX, Broker/Realtor, # XXXX, Telephone XXXX, Email : XXXX, Website : XXXX : XXXX
Product: Credit reporting

I spoke with Experian and my report updates from XXXX never took place or uploaded to Experian 's system. There is massive fraud in regards to my personal and professional information being reported by Experian. Name XXXX, Business attached to addresses, other mortgages that are not mine and with an ex girlfriend listed as a spouse, wrong phone numbers, wrong points of contacts and above all it looks like countless ends of financial fraud with banks and financial institutions. Today XX/XX/2017 I spent close to one hour reviewing the fraud and Experian was helpful to have me contact a local police department in regards to the Fraud. It looks like all 3 credit agencies are not correlating information timely or have been able to do so do to this fraud. XXXX was supposed to clarify these matters with Experian, and they got far worse within in the process. It 's helpful to work with all the credit agencies to double and triple check the progress of inaccurate information.