23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX / XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX Date Reported Opened : XX/XX/XXXX Date Reported Closed : XX/XX/XXXX Individual Account Revolving Account CHARGE ACCOUNT Balance : {$280.00} Company named above claims I have as of XX/XX/XXXX Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them : {$280.00} dollars on : XX/XX/XXXX This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. The above named company must submit to Consumer Finance the social security they have on file relating to this matter in order to positively identify me as the person who conducted business with them and am the person positively identified as the owner of the debt. I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statute of limitation ; 2. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 3. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 4. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owed to another company or business/provider, without my consent ; 5. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owe as third-party debt collection and is not the original company, business, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus, failed to do so. 7. above company must submit to Consumer Finance what name was submitted for these alleged business transaction ( s ) and/or service purchased. Or any items purchased. Above company named must submit the correct spelling of my name and address I reside at while contracting or purchasing their services or items. Above named company must provide full information identifying me as the person doing business with them on said date submitted above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and company acknowledged that it is incorrectly reporting XX/XX/2014 as 120 days late. It acknowledged that it reported XXXX and XXXX as current yet skipped from 0 to 120 days late in XX/XX/2014. Company has promised yet failed to deliver several times on getting this time updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I INCLUDED DOCUMENTS, PLEASE TAKE THE TIME TO READ THEM. I am writing to file a complaint against Experian. I have written letters on XXXX XXXX, 2020, XXXX XXXX, 2020 and XX/XX/ 2020 requesting XXXX XXXX XXXX XXXX be deleted from my credit report because it is inaccurate and unverifiable. I provided documents that prove this account is inaccurately reporting on my credit report and this credit bureau keeps responding that it is verified although it continues to report inaccurate information and inconsistent information across all 3 credit bureaus. I requested that Experian provide me with documentation under the FCRA to verify that this information is mine and is correct and the method of verification. Experian has not provided me with any documents that they have used to verify the accounts and continue to ignore the records that Ive sent. Experian continuously ignore the FCRA and I need your help with enforcement. I have highlighted and disputed the inaccurate information highlighted on the attached document. Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with Experian to date. I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I'm drafting this because I have contacted the credit bureaus and the creditors and informed them that I've been an identity theft victim and there were fraudulent accounts reported on my credit report. Thus far, Transunion hasn't removed the fraudulent charges from my credit report. I don't have time to contact Transunion every day because when I get them, their representative tells me that they will remove the fraudulent account from my credit report, and then they don't do it. Or they'll let me know we filed for a dispute, and when I call back to check on my argument, they tell me it was never filed. Transunion is the most untrustworthy credit bureau ever. They report fraudulent accounts and fraudulent information to the credit bureau. They break the law by not following proper dispute procedures. In addition, their employees act as lawyers and pretend to know how they can interpret the law, which is vastly illegal because they're not lawyers. I followed the proper procedure and informed them through an identity theft report that I filed with the Federal Trade Commission that states and identifies which accounts are fraudulent and must be removed from the credit report. They continuously disregard my request when I tell them to dispute the fraudulent accounts and remove them from my credit report. Therefore, they deserve the harshest fines and punishment due to committing and being part of the fraud. Again, I'm not saying this to slander Transunion or the banks that opened fraudulent accounts under my name, XXXX XXXX XXXXXXXX, and XXXX XXXX I'm merely stating that fraudulent accounts must be removed from my report.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian due to their failure to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). Experian was recently sued by the CFPB for conducting sham investigations, and my case is another clear example of their failure to comply with federal law. 

Issues With Experian : Fraudulent Accounts : I disputed multiple fraudulent accounts that resulted from the Equifax data breach and Experians lack of permissible purpose to report them. These accounts should have been blocked and removed, but Experian wrongfully verified them as accurate without conducting a proper investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX provided a letter on XX/XX/year>, confirming that they have no record of me being an account holder. They stated that if this were a valid account, it would appear on all three bureaus, yet Experian is the only one reporting it. 
Failure to Investigate Within 30 Days : My dispute was submitted over 30 days ago, and Experian failed to complete the investigation within the legally required timeframe, violating 15 U.S.C. 1681i ( a ) ( 1 ). 
Incorrect Name & Address : Experian is reporting my name incorrectly as " XXXX XXXX XXXX, '' which is not my legal name. I do not have a hyphenated last name. Additionally, Experian has listed an incorrect address on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX  This is not, nor has ever been, my residence.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Debt collection

I am making this complaint against Discover for violating federal law under 15 USC 1681 and 15 USC 1692. I have never given Discover any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I have never received the documentation i requested from this company. If Discover can not provide me with proof that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. As of XXXX XXXX XXXX I have not received any documentary evidence, such as a bilateral contract, giving Discover any right to collect on this alleged debt. I am legally refusing to pay this debt pursuant to 1692c ( c ). I have already sent a a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Discover can provide me with sufficient documentary evidence that I have any legal obligation to pay them and they still have been communicating with me and reporting to the consumer reporting agencies without my permission. Your prompt attention and response are both requested and required.
Product: Student loan

On XX/XX/year>, MOHELA sent me a message that a General Forbearance would be placed on my account from XXXX. I sent a message to question this forbearance and called on XX/XX/year> to decline this forbearance, and was told my account would not be placed into forbearance. Regardless, my account has entered XXXX XXXX as of XX/XX/year> and remains in XXXX XXXX as of XX/XX/year> XXXX PST at the time of my current CFPB filing. This had several major effects on my loan repayment plan : ( 1 ) My AutoDebit was cancelled, increasing my interest rate from 6.000 % to 6.250 %, ( 2 ) interest accrued during forbearance will not be subsidized under the SAVE plan, so SAVE-ineligible higher interest has been accruing because of MOHELA 's placement of General Forbearance, ( 3 ) My due date which is usually the XXXX of each month is now unclear, and I'm not sure if I will be credited under PSLF. 

I received multiple responses. On XXXX and XXXX, I received messages that the General Forbearance would be removed from my account. On XXXX, I received a message that the General Forbearance would be removed from my account effective XX/XX/year>, but this fails to address my above concerns for the 4 days that the higher interest has been accruing and lack of clarify regarding PSLF and SAVE-eligible payment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Dear, CFPB All XXXX Credit Bureaus, Equifax, XXXX, XXXX have used my account XXXX XXXX XXXX for XXXX  purposes. If you look at the the remarks from each credit bureau they are all listed different. Across all XXXX bureaus the information should be the same Paid and closed in the remarks section. CFPB this is clearly a violation under the Fair Credit Reporting Act. If these companies can't reflect the same information in the remarks box paid and closed, then I want this account deleted from my credit report due to inaccurate information. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Kohls/Capital One is reporting a debt on my credit file on my credit file, that I do not owe. 
I recently checked my credit file and noticed this debt, I immediately called to verify this debt and I paid it off. Not once did I receive any notifications about this debt, phone calls, or any letters. This is pure violation of my 30 day right to dispute per the FCRA. I am requesting this debt/account to removed off my credit file for the terms of violation.
Product: Debt collection

I put in a previous complaint but Hauge Associates sent me a letter stating they will try to charge blue shield. But i stated clearly that i am covered by medicare not XXXX XXXX. I had XXXX XXXX back in 2020. They are using false information that will get the dispute revoked. Hauge Associates are scammers.
Product: Checking or savings account

Account Ending In : XXXX Claim ID : XXXX Date Error Reported : XX/XX/2022 Claim Total : {$900.00} I have attempted to resolve this issue with Chime Financial multiple times. They refuse to treat me fairly & give me a proper investigation. On XX/XX/2022 I attempted to add {$900.00} to my XXXX XXXX XXXX XXXX declined my transaction to add funds but the {$900.00} was still removed from my chime account. I followed up with XXXXXXXX XXXX after the transaction cleared in my chime. XXXX XXXX support did a screenshare with my phone & confirmed the funds did not go through nor post to my account. I asked where did my funds go & XXXXXXXX XXXX was unaware & advised me to contact my bank. 

I have attempted to resolve this matter with XXXX but they have stated they did not receive any funds. The {$900.00} is showing deducted from my account ending in XXXX. Despite my best efforts XXXX has not been able to assist me with funds they deducted out of my account. XXXX is claiming they have never received the funds. I believe they did & it should have been added to my XXXX XXXX 

I contact my bank after they advise me to contact my bank which is chime financial. I submitted a dispute on XX/XX/2022 and within 24 hours my dispute was denied. I filed a Rebuttal & i included additional evidence that supports my claim and shows that the transaction was denied as well as communication between me and the merchant confirming I did not receive those funds on my XXXX XXXX and Chime Finacial still denied my claim I reached back out to XXXX XXXX and they advised me that chime financial has yet to contact XXXX XXXX regarding this matter so I am not getting a proper investigation.
Product: Debt collection

On this date XXXXXXXX XXXX  REVCO SOLUTION INC open a collection. 

{$1000.00} that I own I have never signed any written documents saying that I own this to the collector. 

They are violating my right of the FCRA as a consumer. 

I do not know who they are and I have not written consent from my end. 

Also, they not verified that I own this debit to this alleged company. 

Please have this removed from my all the three credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have acct with fifth third bank opened XXXX XXXX But I see additional hard inquiries prior to opening this acct and past opening this acct. There should only be 1 hard inquiry on my credit report but there are 3. I only authorized " 1 '' hard inquiry within XX/XX/XXXX any other inquiries are fraud which I did not authorize. The inquiries in question are dated for FIFTH THIRD BANK For Dates XX/XX/XXXX & XX/XX/XXXX This accounts and Date XX/XX/XXXX I did not do business with this organization and/or did not authorize my credit file to be pulled. On date XX/XX/XXXX I did not give my permission to pull my credit report. I have contacted fifth third bank by phone on 3 occasions and i have received a letter from fifth third bank XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX stating they were verified and correct. I do formally request to show proof of signature that I did give authorization and /or permission to perform a hard inquiry on my credit file. I this proof can not be given i demand that they be removed immediately.
Product: Credit card or prepaid card

I am waiting for the Coronavirus stimulus check to be deposited into my PayPal account. The IRS website states that the money was deposited into my PayPal account on XX/XX/2020. It is now XX/XX/2020 and I still haven't received the money into the account and PayPal has NO customer service right now due to the epidemic. I can't reach ANYONE!!! WHERE IS MY MONEY?!
Product: Credit card or prepaid card

I received a gift card in XXXX of XXXX. When I tried to use it in XXXX of XXXX I received a turn down from XXXX for insufficient funds. The card was issued by Incomm Financial Services under the name of Vanilla Gift card ( vanillagift.com ). 

I logged and saw the card was purchased by my gift giver at XXXX on XX/XX/XXXX, then used almost 5 months later at a XXXX ( for the EXACT amount, no more no less ) in XXXX XXXX, CA. I live in XXXX and the card has been in my possession since received. 

This was FRAUD. Unless committed by someone internal to the company, or a hacker  was able to breech their database, how else would anyone know the card #, expiration date and, most troubling, the CVV? 

I filed a complaint with the company 's fraud department, with several email follow ups, receiving no reply. I then filed a complaint with XXXX  who did receive a reply stating the matter had been settled and denied. Here was the reason they gave the XXXX  : " '' Contact us immediately if you believe your Card has been lost or stolen, or an unauthorized transaction has been made without your permission using the information from your Card. '' It goes on to state " We may not be able to assist you if you do not contact us within sixty ( 60 ) days of the unauthorized transaction. '' Due to the time frame for submitting a chargeback, recovery of funds are no longer available for the disputed transactions '' How is that even possible in a digital theft situation? It is NOT, it's just a convenient excuse and abdicating response by Incomm. I still have and have always had the card in my possession. As well I haven't been in CA in over 20 years, I live in XXXX. 

The XXXX  closed their case because they got a reply and have no enforcement authority. I let them know I will continue to contest this via you folks.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bro stole my debit card from XXXX XX/XX/XXXX XX/XX/2022 I was saving it he used my SSN to order a new card from direct Express stole all my money {$1500.00} I was trying save it to get me a place and he took everything I had saved don't have any thing some he stole it yet waiting on paperwork
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent previous letters to you, all by certified mail ( receipts enclosed ) requesting that you remove inaccurate information from my file and you have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way.If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself.

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.

I await your response. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX  : Account number : XXXX, XXXX XXXX XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX : Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM XXXX FEDERAL TRADE COMMISSION.
Product: Debt collection

Assetcare is in violation of the fair debt collection practice act. I have attached a letter that shows all the violations. They also sent this letter to the wrong address and the mail lady gave it to me because she know me.All violations is listed below 1. 15 usc 1692c ( a ) communication without prior consent, expressed permission, I never gave them consent to contact me and they sending fraudulent letters without my permission.

2. 15 usc 1692A or 803 ( 6 ) clause ( f ) any creditor who in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts.The letter attached shows they are attempting to collect this alleged debt in another company name which is a violation.

3. 15 usc 1692J furnishing certain deceptive forms is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief.They sent a false letter with my personal information which is a violation.

4.15usc 1692 ( f ) The collection of any amount unless such amount is expressly authorized by the agreement creating the debt or permitted by law.I have no contracts nor agreements with this company, the letter attached shows assetccare says I owe this alleged debt and I dont which is a violation. 
This letter have no signature nor person name listed on the letter. This letter is false and they stole my personal information and is using my information for their personal gain.