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

I WAS REVIEWING MY CREDIT REPORT AND WAS ALARMED BY THE FRAUD INQUIRIES REPORTING. PLEASE SEE ATTCHED DOCS.
Product: Debt collection

on XX/XX/2019 I mailed a validation of debt and cease and desist all phone calls letter. The letter was received by XXXX on XXXX, XXXX I am still receiving phone calls from the collector
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 XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

my info does not match up with my social security number and i put in all of the correct information in and i still cant access my account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2019 I sent a letter to Discover Financial Services to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing Discover Financial Services to pull my credit on XXXX/XXXX/19, if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately. 

They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX & XXXX  as of XXXX/XXXX/2019.
Product: Debt collection

I received a bill in the mail from Patenaude & Felix Collections to try and settle for a debt that was originally owned by XXXX XXXX ( original creditor ) that was reported negatively on my credit reports with XXXX, XXXX, and XXXX. I am a victim of identity theft and I do not recognize this alleged debt of {$1500.00}. I am disputing the validity of this debt that Patenaude & Felix now has. This alleged debt does not belong to me. I am requesting for Patenaude & Felix to " Cease & Desist '' all contact and communication with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a charge for Caine and Weiner on my credit reports. Its for XXXX XXXX. I called XXXX XXXX last week and found out the charges are from XXXX when my ex husband added his car to my insurance. I since learned he called and acted as if he were I. This is identity theft. I filed the identity theft affadavit with FTC and sent it to XXXX XXXX and called to follow up. They told me pretty much its not fraud and to send a divorce decree and that its been so long they probably couldn't fix the issue. IT WAS DONE WITHOUT MY AUTHORIZATION. THE CAR WAS NOT MINE NEITHER ARE THE THE CHARGES. I PAID {$250.00} to start the policy and cancelled as soon as I realized the car was added. I had insurance for 1 month and was billed over {$600.00}. I also opened a new policy with the same company when I cancelled this policy. I currently have XXXX  and have for the past 5 years. I pay my bills. This bill I am not responsible for as I did not add the car to my policy. Caine and Weiner was also made aware of the situation last week and advised I call XXXX to solve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

SINCE XXXX OF 2019 I HAVE BEEN SENDING MY IDENTITY THEFT REPORT TO EQUIFAX ASKING THEM TO REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE. I AM A VICTIM OF AN IDENTITY THEFT THEFT AND THEY HAVE ALL SUPPORTING DOCUMENTS TO HAVE THE ITEMS REMOVED.
Product: Credit reporting or other personal consumer reports

Many of the addresses and accounts link to them have no association with me or my name my name and addresses are wrong state, wrong city, wrong zip code, and many addresses I have never lived at or reported to on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've disputed with TransUnion on several occasions about this one account that was charged off by the creditor which means it was filed on taxes and no longer owned by anyone and should 've been removed. TransUnion said that understood that but still have n't removed it and it 's been about 3 months since I began disputing that
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed unauthorized hard inquiries on my credit report. I was told that they will conduct investigation. It has been over three months since my first dispute letter, I have not provided any record evidence of " permissible purpose '' despite me requesting that multiple times. 
These wrong inquires have significantly affected my credit score and my ability to obtain new credit. Especially in this tough time of COVID pandemic, it has created excessive stress on me and my family both financial and emotional. 
I have to report this matter to CFPB, Attorney General and Consumer Advocates ( XXXX XXXX XXXX, XXXX ) after persistent non compliance from the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account has been paid I want all negative remarks removed and to reflect all positive payment history. I want all accounts to reflect paid off.

Pursuant to 15 U.S. Code 1692e, 15 U.S. Code 1692f, 15 U.S. Code 1692g, hjr 192 public law 73-10, 12 U.S. Code 411. Article 1 section 10 United States America republic constitution
Product: Checking or savings account

On XX/XX/year>, my checking account became overdrafted despite my efforts to manage my finances responsibly. I contacted XXXX through their secure message system on XX/XX/year>, to inquire about options to resolve the overdraft and prevent further financial strain. XXXX responded on XX/XX/year>, but did not offer a resolution that adequately addressed my concerns or provided sufficient assistance. This situation has created additional financial XXXX and I believe the issue could have been resolved more equitably.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear sirs, I have recently reviewed my credit report and noticed credit inquiries that I didnt authorize.

Im filing a formal complaint to have these inquiries removed from my credit report, as they are negatively affecting my credit score.

Below are the inquiries that I didnt request nor authorize, and that are therefore fraudulent and should NOT be listed on my credit report : -Ally Financial from XX/XX/2021 -Ally Financial XXXX  XXXX from XX/XX/2021 -XXXX XXXX from XX/XX/2021 -XXXX XXXX XXXX from XX/XX/2021 XXXX XXXX XXXXrom XX/XX/2021 Please remove these inquiries from my credit report and send me a confirmation. 
Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXXXXXX XXXX I contacted your bureau by certified mail to dispute incorrect entries listed on my credit report. It is my understanding that you must send me the results of my dispute within a reasonable time ; however, as of the above date, I have not received a response from you. 
Please delete the incorrect information I have disputed and send me an updated copy of my credit report. Also, please include the names and addresses of the companies or individuals who were directly checked with in regards to this matter. 
Your cooperation is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Product: Vehicle loan or lease

XXXX XXXX- I take auto loan out with Chase Bank for purchase of new XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXX  sold to XXXX XXXX for {$35000.00} XX/XX/XXXX - Chase receives check from XXXX via XXXX  XXXX ( tracking number XXXX ) for full balance of loan {$18000.00}. 
XX/XX/XXXX- Chase cashes check, XXXX confirms funds have been withdrawn from their account XX/XX/XXXX - my monthly loan payment due date passes. 
XX/XX/XXXX - my first call to Chase customer service for information and status on loan payoff processing. No resolution, Chase acknowledges receipt of loan pay-off on or about XX/XX/XXXX - 2nd call to Chase customer service with similar outcome. Chase says they are investigating what happened to funds. Loan account still active. 
XX/XX/XXXX - {$30.00} late fee applied to my loan account on or about XX/XX/XXXX - 3rd call to Chase customer service. No change, still investigating with Chase Payoff Escalation team. No eta, due date, or other details available. 
XX/XX/XXXX - 4th call to Chase customer service. Again no change in status, still investigating. Chase confirmed title for vehicle has not been released to Dealer ( XXXX ). Appears XXXX may have already sold the vehicle, waiting confirmation of sale from XXXX.
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to close my PayPal account. I am using my PayPal account for my online business ( online martial arts tutorial ) since XX/XX/2022. My PayPal account : XXXX has stucked funds in it worth of {$110.00} US dollars that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds.

Thank you and God bless.

For identity verification, I attached my valid ID. Please see attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY REPORT WITHOUT MY KNOWLEDGE. PLEASE REINVESTIGATE YOUR CREDIT REPORTING AND HAVE THOSE DEROGATORY ACCOUNTS REMOVED.
Product: Credit reporting or other personal consumer reports

This company have accessed my credit report without my authorization, negatively impacting my credit and credit score. I contacted Experian, and a representative assured me these inquiries would be removed, yet they still remain on my report. 
As a victim of identity theft, this situation adds unnecessary stress and XXXX  to an already difficult experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this.

Also, they have violated my rights even more!

In accordance with the Fair Credit Reporting Act, everything has everything must be 100 % accurate on my credit report.

The credit bureau 's stated my accounts were properly investigated, but how is that possible if the last active dates and dates last reported are inaccurate? This is grounds for removal.

They also violated the law because according to : 15 U.S.C. 1681 section 602 A. States that I have the right to privacy 15 U.S.C. 1681 section 604 A, Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

I did not give anybody any written instructions.
Product: Mortgage

I provided the bank all certified docs including death cert., beneficiary deed, will, my personal identification docs, I then told them that regarding the XXXX. XXXX XXXX XXXX XXXX I am allowed to assume the mortgage from my deceased parent. They keep persisting that my only option is to refinance the mortgage into my own name. They also gave me until XX/XX/XXXX to pay the entire mortgage off of roughly {$32000.00}. I have called loss mitigation, I have physically went to the bank & I have sent numerous emails and the only respone I keep getting is to fill out an application to refinance it into my name & other than that, the bank is still waiting to hear back from their legal team to let me know anything. IT's been XXXX weeks now that they've been giving me the run around.
Product: Debt collection

Back in mid-XX/XX/XXXX, I moved out of the college apartment I had been staying in for four years. There were a number of things that needed small repairs, a few drill holes that I patched and some mild discoloration/staining in the bathtub. I assumed that I would receive some charges for these and understood that I should follow-up with the company some time after moving out in order to handle those charges, were my deposit not enough to cover the damages. I was told that any charges would be applied shortly after I moved out and they would notify me of them. 

Six weeks after moving out, I followed up with the apartment complex and asked if there were any cleaning/repair charges that needed to be paid for, and they provided me with some {$92.00} of charges due. I summarily paid them, and asked the employee if I should expect any further charges, to which they replied " no. '' Come XXXX, I receive a letter from the complex stating that I owe some {$150.00} of cleaning and repair charges that were not previously accounted for. After examining the statement, these charges were applied on the both the XXXX of XXXX and XXXX of XXXX, some ten-fourteen weeks after I had moved out. I attempted to call the complex on at least three occasions throughout the next week, was told that the message would be forwarded to the manager and I would receive a response, and heard nothing. I fully believe that these debts listed are fraudulent, given 1 ) how long it took for them to be listed on my account and 2 ) that I had been told my accounts were settled. The apartment complex ' lack of willingness to discuss these charges serve as reinforcement to that belief. 

In XXXX, I received a letter from a debt collections agency for this debt. I sent a debt validation letter stating that the debts were fraudulent and that I dispute their validity dated XX/XX/XXXX ( within my 30-day period provided by the FDCPA ), and finally received a response  dated XX/XX/XXXX containing that same statement I was sent back in XXXX.
Product: Credit card or prepaid card

Phone was stolen and multiple accounts had been accessed with multiple unauthorized transactions being made. 
Filed digital dispute on XX/XX/26 with Chime and XXXX respectively. Wrote and submitted a formal written dispute to go along with each dispute. 
XXXX dispute closed in my favor within a week. 
Chime however mishandled my dispute, and was treating it like a debit card dispute when the transactions were from my credit card account. They denied my claim. I filed a rebuttal, supplied more evidence such as resolutions with XXXX for the same problem during the same time span. Phone insurance claim filed for stolen phone ( approved ) documents and proof of delivery of new phone. Took a few weeks to respond and again denied my claim, stating that I had not supplied any additional information to reconsider their decision. I asked for documents used in making their decision to deny the claim. I never received them. Mind you I was at no point offered or extended a refund or temporary credit. I call and speak to an agent and they reopen my dispute for a 3rd time. 2 more weeks go by. They're investigating. It's now been 7-8 weeks since this began. I call and ask why I haven't been extended temporary or provisional credit or a refund. I'm told my claim is ineligible due to it being " non reg.e receiving merchandise or quality of goods ''. This is of course plainly wrong as my dispute has always been about unauthorized transactions. I call and speak to 3 more people searching for answers. They then tell me the charges are from my credit account therefore not eligible for provisional/temp. Credit. How can an ongoing credit card dispute for unauthorized charges that's been going on for 2 months now not be eligible for a credit? I've never experienced such apathy towards me a customer as i have throughout this processes when trying to correct a bill or settle a dispute. And any credit card I've ever had any fraud or dispute claims has refunded me or issued Me a credit immediately or within a matter of days. I thought credit cards offered greater protection than debit cards. It's been 2 months now, still have an open dispute and they still deflect or don't answer the question when I ask about at least providing a credit to my account while they " continue to investigate " this has caused great financial stress for me. I've done everything Chime has asked of me. followed procedures and completed all forms, submitted all supporting materials. Ive been given false information multiple times about this dispute along the way. Never been extended temporary/provisional credit or a refund so I might in the meantime access my funds that were taken. Nothing at all. I've literally gone hungry some days because I was waiting on a paycheck and didn't have my money which should've been in my Chime account. This has been a nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I was laid off from my position due to Covid19. I have a small car loan with XXXX XXXX, and they agreed to a forbearance program for the months of XXXX through XXXX. When the 3 months expired, I called and asked them for an extension, in which they agreed to. They stated that I had to sign a new agreement form and send it back to them. Upon receiving the new form, I signed it and sent it back immediately. I did not hear anything more from them so I did not make my XXXX and XXXX payments. At the beginning of XXXX I received a phone call from XXXX XXXX XXXX collection department stating that I was behind on my payments. I explained that I had an agreement that I would not have to make the payments for the months that they claimed I was delinquent, and they stated that they did not received my signed form back so they did not put the agreement through. I never received any notice up until this point that they had not received the form, or that any payment was being considered late. I asked the girl if I should pay something in order to not have my credit effected, and she stated that she was going to send a new form and as long as I signed it and sent it back that I would be fine. I did so immediately. A week later, I received a notice from Experian ( whom I have a monthly monitoring service with ) that XXXX XXXX had reported a 30 and 60 day late on my credit report for the months of XXXX and XX/XX/2020. I immediately called them and they claimed that there was nothing that they could do. I filed a dispute with all major credit reporting companies and the results came back that they took the 30 day off for XX/XX/2020, and kept the XXXX delinquency on my report, changing it to a 30 day late. I have now re-disputed my case with all credit agencies 3 times, providing the documents from XXXX XXXX that prove I was not to make my payment for that month. The results continue to come back the same, XXXX XXXX refuses to remove this from my credit report. I have also contacted XXXX XXXX numerous times only to be told that they will not help me. I am XXXX years old and have never in my life had a single late payment. My credit has dropped 100 points due to this and I am hoping that someone can help me to get this removed from my credit like it should have been from the beginning.
Product: Credit card

I have a store credit card for Best Buy on XX/XX/2023 my card was refunded in the amount of XXXX after I cancelled an insurance plan I had with them. After I cancelled the plan they charged my other card to renew the plan eventhough I had already cancelled the plan. I was not aware they decided to charge my other card which by the way I was not aware of. The only reason I found out they charged my other card without persmission was because it was in default for no payments. I had not been keeping up with the payments since to my knowledge I did not owe anything they refused to clear the account and returned only XXXX I had to pay XXXX so they stop adding late payment fees which I should not have because I did not authorize that charge.
Product: Debt collection

Recently while conducting a monitor of my credit report I discovered that Choice Recovery has furnished some items that has been unverified. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from Choice Recovery but I am unaware of the amount due and the bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPAA does allow for limited information about me but anything more than XXXX XXXX XXXX is to only be revealed with the patients authorization.
Product: Debt collection

am writing to dispute the inaccurate information listed on my credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681. I request that this incorrect information be promptly deleted from my credit report. 

Below are the details of the erroneous information : XXXX Account Number : XXXX High Balance : {$60000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$15000.00} Closed Date : XX/XX/XXXX Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Miscellaneous Banks Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off as bad debt ; Profit and loss write-off Original Creditor : Not specified Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : 72 Month ( s ) Past Due Amount : {$15000.00} Account Type : Auto Loan Payment Frequency : Monthly ( every month ) Credit Limit : {$0.00} It is evident that there are discrepancies in the reported information, including but not limited to the balance owed and the status of the account. Therefore, I request that you investigate this matter and promptly remove the inaccuracies from my credit report. 

Please be reminded that under the FCRA, consumer reporting agencies are required to ensure the accuracy of the information they report. Any failure to comply with this requirement may result in legal action. 

I kindly request that you provide me with a written explanation of the actions taken to correct this error and confirm the removal of the inaccurate information from my credit report. 

I expect a response within 30 days, as mandated by the FCRA. Failure to rectify this matter within the stipulated timeframe will leave me with no choice but to pursue further legal remedies. 

Thank you for your attention to this matter. I anticipate a prompt resolution.