23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing this complaint to bring attention to an egregious violation of my consumer rights by EQUIFAX and XXXX XXXX. My credit report inaccurately reflects a timeshare account that was reported as a mortgage without my authorization. This misclassification has caused significant harm to my credit profile and violates several consumer protection laws.

Details of the Complaint : 1.The timeshare account is unauthorized and was reported without my consent.

2.It is inaccurately classified as a mortgage, which I do not have.

Legal Violations to Highlight : 1.Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : The credit bureaus failed to ensure maximum possible accuracy by misclassifying the timeshare.

15 U.S.C. 1681i ( a ) : They have not promptly corrected this false information.

FCRA Section 611 ( a ) : Failure to investigate and correct inaccurate or unverifiable information.

FCRA Section 607 ( b ) : Obligation to ensure maximum possible accuracy in credit reporting.

Truth in Lending Act ( TILA ) : Regulation Z : Failure to ensure accuracy and disclosure regarding loans and credit-related accounts.

The reporting creditor violated the disclosure requirements by misrepresenting the nature of the account as a mortgage, which is deceptive.

Gramm-Leach-Bliley Act ( GLBA ) : Reporting the timeshare without my explicit permission violates my right to privacy under this act.

Failure to safeguard consumer data and ensure it is used solely for authorized purposes.

Unfair and Deceptive Practices ( 15 U.S.C. 45 ) : Misreporting the timeshare as a mortgage constitutes an unfair and deceptive practice, damaging my creditworthiness.

Impact on Me : This inaccurate reporting has caused harm by misleading potential creditors, leading to a higher credit risk profile and undue stress.

Emotional distress due to the lack of compliance with consumer protection laws A breach of my privacy rights Thanks for your attention to this issue, I hope it can be resolve as soon as possible.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX  Here I attach, along with the dispute, my fraud report that I just sent to XXXX for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX  XXXX, CA XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date XXXX Balance : $ XXXX Collection
Product: Mortgage

I have tried to get the escrow account for property taxes and insurance closed since XXXX, beginning with verbal requests of XXXX Bank. As shown in the attached correspondence, the Bank has agreed in principle to close the account and remit the balance to me with my agreement to pay all future taxes and insurance. However, they stipulate that I must pay them a fee. It is my position that I do not owe them any fee to get my own money returned to my control. The documents attached show that Citizen 's contends that I benefitted monetarily by agreeing to the escrow account. However, they can provide no documentation to prove that claim, nor do they have any document showing my recognition of such a claim.
Product: Debt collection

I have accounts on my report that does not belong to me and I have sent information to bureaus and companies!! XXXX XXXX, US Department of Education, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : XXXX ) An explanation of what this alleged account balance is for. 
XXXX ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
XXXX ) Documentation that shows I agreed to pay this debt with my signature and documentation shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such. 
XXXX ) The Agreement that grants you authority to collect on this alleged debt. 
XXXX ) A copy of your state license, including license number that give you rights to collect in my state. 
XXXX. ( The purchase agreement ) 7. ( Swear under penalty of perjury you were present during the alleged debt ) 8. ( Demand You provide Chain of Custody for account to ensure the financing and hand to hand transfers is correct ) XXXX. ( Master Bill of Sale XXXX XXXX  Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you to request that you remove the following unauthorized inquiry ( ies ) from my credit report : XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX-ny Inquiry from XX/XX/XXXX + Telephone Companies XXXX/XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX XXXX   Inquiry from XX/XX/XXXX + Credit Unions XXXX/XXXX  Inquiry from XX/XX/XXXX - Specialty - Shoe, Hat, Etc. 
XXXX/XXXX Inquiry from XX/XX/XXXX + Home Furnishings XXXX XXXX  Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Misc.
Product: Debt collection

Identity theft report was filed as a result of finding inaccurate information on credit report file. All credit bureaus ( TransUnion, XXXX, and XXXX ) were contacted in regards to removing all inaccurate information off of credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving a hard credit inquiry from Chase Bank under XXXX credit card since XX/XX/XXXX. It happens consistently. I have not applied for a credit card with XXXX. I am very careful to make sure I do not click the " apply for credit '' button when I place orders with XXXX. The following dates have hit my credit report and keep knocking my credit score down : XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Today, XX/XX/XXXX, my credit score dropped from XXXX, which I struggled hard to get to after a bad car accident, down to XXXX. This has to stop! I have contacted XXXX on several occasions via chat because it was the only way to reach them, and again today by phone XX/XX/XXXX. The man on the phone told me " it is not in my knowledge database provided to me how to help so I am sorry that I can't help you. '' I guess there are no supervisors? I have also contacted Chase bank on several occasions, most recently today XX/XX/XXXX and Chase bank told me that they do not handle disputes because all they know is that something came through to them and they have no way of telling if it was fraudulent or not. All they could tell me is it was from an XXXX credit card. 

My credit was compromised in the XXXX data breach in XXXX, but that still does not explain the XXXX date. It is possible that back in XXXX I did apply for the card accidentally, but I can not locate any record of that in my XXXX account. I also have definitely not applied in this or the last year at all. I want to know who is doing this and why they are able to do it. My credit report has a lock on it, so this really concerns me because it is still happening. I have not even placed an order on XXXX in months. 

In addition to this, I've filed disputes with all the credit report bureaus and nothing ever changes on my account.
Product: Credit reporting or other personal consumer reports

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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$430.00}, {$4600.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on  XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$430.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4600.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reportings with XXXX XXXX, and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I never paid the following accounts late, XXXX XXXX : XXXX  is reporting a status of Current but also reporting 30 days late in XX/XX/XXXX and XX/XX/XXXX, XXXX  is reporting a status of Current but also reporting 30 days late in XX/XX/XXXX and XX/XX/XXXX and Equifax is reporting a status a status of Current but also reporting 30 days late in XX/XX/XXXX and XX/XX/XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX  Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX with a {$0.00} balance, XXXX  and Equifax are reporting an opened date of XX/XX/XXXX with a {$0.00} balance, XXXX  XXXX Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX with a balance of {$8000.00}, XXXX  is reporting an opened date of XX/XX/XXXX with a balance of {$8000.00}, Equifax is not reporting this account, XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX with a balance of {$900.00}, XXXX  and Equifax are not reporting this account, XXXXXXXX XXXX  Account Number XXXX XXXX  is reporting an XXXX date of XX/XX/XXXX with a {$72.00} balance, XXXX  is reporting an opened date of XX/XX/XXXX with a {$72.00} balance and Equifax is not reporting this account, XXXX XXXX XXXX  Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX with a {$0.00} balance, XXXX  is reporting an opened date of XX/XX/XXXX with a {$0.00} balance and Equifax is not reporting this account, XXXXXXXX  Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX with a {$69.00} balance, XXXX  is reporting an opened date of XX/XX/XXXX with a {$69.00} balance and Equifax is not reporting this account . I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX  and Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX XXXX  and Equifax have failed to plead their case to who has provided them with this false information and/or provide proof with signatures of these inaccurate accounts reporting on my credit file. Please help me to get this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX Balance Owed : {$0.00}, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX
Product: Credit card

I made a rental car reservation online through. I was not going to be able to use the reservation. I called XXXX to request a refund, they said my reservation was nonrefundable, non transferable, and no changes could be made. I called discover, my credit card company to dispute the charge. They called priceline on a XXXX phone call, and the resolution was my reservation would be canceled and they would provided a refund. I did not received a refund and disputed the charges with my credit card company, discover. XXXX canceled my reservation and did not provide a refund, and I was unable to use the reservation even if I wanted because it was canceled. It is my opinion priceline voided the contract/agreement by canceling my reservation and had a duty to refund my money. Discover said they would not refund my money even though I did not receive the services I paid for.
Product: Debt collection

This is XXXX XXXX with new & updated information about my previous complaint XXXX. I am invoking my specified remedy as the true original creditor pursuant to 15 USC 1692c ( c ) ( 3 ). NRA Group , LLC is still continuing to report an alleged debt onto my consumer report. I am demanding that XXXX group cease & desist all forms of communication activity through any & all mediums immediately pursuant to 15 USC 1692c ( c ). Failure to comply with any provision listed may result in legal action pursuant to 15 USC 1692k
Product: Checking or savings account

XX/XX/2024 I was charged for XXXX For a service I did not want anymore I texted the company and they told me the charge was made in error and that it can take 90 Days to get that charge back reversed and my faster solution is to request the charge back from my bank I been dealing with this for 2 Weeks now and they company does no respond to me any more and they sent an email out and thats about it this company email is XXXX Phone number is XXXX
Product: Payday loan, title loan, or personal loan

I filed a complaint that was only partially rectified. I filed a subsequent complaint about the part not rectified. The company has ignored that subsequent complaint and the complaint has been closed. I need the following addressed : In XX/XX/2017, I took out an installment loan for {$1500.00}. I was informed ( and this is stated on my account on the company 's website ) that the interest rate was 57.35 %. 57.35 % of {$1500.00} is {$860.00}. While I appreciate the account has been closed and marked " Paid in Full '', XXXX  actually owes me {$1100.00} in overpaid interest.
Product: Money transfer, virtual currency, or money service

There were multiple times when I sent money on Wells Fargo to other people with XXXX by accident and they didnt help return or refund the money to me back in XXXX and XXXX. The amounts were {$XXXX} and {$XXXX}
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX bankruptcy was discharged on XX/XX/2016. I live in Michigan and this should be deleted from all XXXX credit reporting agencies. It's been over 7 years. Come on now you know this is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has XXXX XXXX as an open account with a balance of XXXX. I was told by both XXXX and XXXX XXXX that this account would be removed by today, XX/XX/19
Product: Credit reporting, credit repair services, or other personal consumer reports

Check Documents for Documentation This account should not be furnished on my consumer report as they are in VIOLATION of my RIGHTS!!!!!

Under, 15 U.S Code 1681b - ( 1 ) REINVESTIGATION REQUIRED ( A ) In general Under, 15 U.S Code 1681b 1681b-A ( 2 ) ( i ) the reasons for the determination under subparagraph A and ( ii ) CONSIDERATION OF CONSUMER INFORMATION ( 4 )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXXXXXX XXXX XXXX XXXX  He told me it was going to be a soft inquiry and not hit my credit score. he was very misleading
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau 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 ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I have been a USAA member since XX/XX/XXXX. I have a checking account with them and I had an issue last week that I would like to share with you. 

My mother made a cashout ( funds transfer ) from her side gig account ( XXXX  ) to her USAA account to help me pay a couple of bills that were due last week. Once she received the funds, she wrote me a check in the amount of {$20.00}, which it was deposited and funds were immediately available since the other account ( my mother 's ) had the funds available to be cleared. Date of the event XX/XX/XXXX of this year. 

On XX/XX/XXXX, they charged me {$25.00} due to NSF. Which I questioned on XX/XX/XXXX, and they insisted the other account ( my mother 's ) had no funds to clear that check. They alleged they pay all the debit charges before proceeding to clear checks. They insist the account had no funds, but I suspect they were doing something else. Sometimes the account shows a different balance in the app, other time it shows another balance, which brings confusion. 

I disputed the charge and only {$5.00} were refunded as a courtesy. I am no liable of USAA 's mistakes and the way they manage or post debits and credits is highly questionable. 

While I was charged {$25.00} for NSF my mom 's account was charged {$29.00}. We can not trust on a bank whose financial practices are questionable.
Product: Debt collection

my mother is XXXX years of age and recently had a XXXX and XXXX XXXX. This company has continued to call and harass her concerning a debt. They have threatened to come to house and stated they with the Sheriffs Department and was coming to serve her for a debt. We have asked them numerous times to stop contacting her that her health is poor and she can not endure this type of stress any longer and has no income to pay this debt.
Product: Credit reporting or other personal consumer reports

This account from XXXX XXXX XXXX in the amount of {$18000.00}, does not belong to me and currently is in LITIGATION. " I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt in fact exists ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX Account # 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 my written instructions.
Product: Checking or savings account

On XX/XX/XXXX  I transferred money in the amount of {$1700.00}. I transferred my money from my XXXX XXXX XXXX. Then I receive a alert stating that my account has restrictions in place and to review the email that I was sent. I interacted with email trying to verify my identity but with no use. I called their customer service number with no help. There is {$5000.00} that I dont have access to. I have been trying to resolve this issue in a timely manner ; but they are not cooperating. Im believe that Chime Financial is a scam and they are stealing peoples hard earn money. Furthermore they mislead me into sending them personal information with the notion what it would resolve the issue. I was wrong, Chime Financial keeps making obstacles so I cant verify my identity. It feels like they dont want me to have access to my hard earn money. They business experience that Ive had with Chime is terrible. I am certain that Chime a subsidiary company of XXXX XXXX XXXX XXXXXXXX is committed consumer fraud and financial fraud.