23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX a payment to Covington Credit was drafted from my checking account. I noticed the following day, that it appeared to have been returned so I called Covington Credit and asked if they received my payment or was it returned. The man I spoke with stated that it has cleared. Today a girl called and stated that it had been returned. Everytime I tried to talk, she interrupted and talked over me and literally would not stop talking. Finally she finished saying whatever it was and I asked her if she could hear me and she said yes, but I needed to listen to her and I started explaining what has happened the few days before, and she interrupted again and talked over me again. She finally just hung up on me. I have tried to call back but I am put in hold and she never returns to the phone. I suspect this has all been done to extort past due fees and more money that I do not have out of me. I am a XXXX  and my health is suffering and I can't deal with this type of stress. Life is already stressful enough. I can not correct anything about this situation if the people refuse my phone calls.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they're hurting my ability to obtain credit.
Product: Debt collection

In 2015, I applied to move into XXXX at XXXX but I never moved in to the establishment. Recently, I got a collection notice for {$780.00} regarding the establishment. I tried to contact the apartment complex but my calls and emails have been ignored on numerous occasions. I just want to get this removed from my credit report because it was falsely reported.
Product: Credit card or prepaid card

I was told by Apple that my XXXX  account was banned. I was not told why this happened, but I could no longer access my account. I applied to an Apple Card and now I no longer can pay my bills or use the card online.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : There are several accounts that appear on my credit report which I do not recognize. I believe these accounts may be the result of potential fraud or an error in the credit report. 

Disputed Accounts 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX while at work i received a text message with an attachment of a gulf coast collection bureau letter since i never gave Gulf Coast the prior consent to communicate with me i knew this was a scam and pursuant to 15 U.S. Code 1692c ( a ) this is a violation. In the Attachment they indicated that they were contacting me to collect an alleged debt which is a violation of 15 U.S. Code 1692b ( 2 ). I never replied to this text as I though it was a scam. Then on XXXX, XXXX while at work i received a call from Gulf Coast and pursuant to 15 U.S. Code 1692c ( a ) ( 3 ) and 15 U.S. Code 1692c ( b ) they are in violation since i never gave a third party debt collector prior consent to communicate with me specially not while I'm at work. Then on XX/XX/XXXX I received a letter dated XX/XX/XXXX and in the letter head it had a symbol that indicated the debt collector is in the collection business which pursuant to 15 U.S. Code 1692b ( 5 ) and 15 U.S. Code 1692f ( 8 ) is in direct violation of the FDCPA, furthermore they used obscene language in the letter that to me it was a threat to my reputation and pursuant to 15 U.S. Code 1692d ( 1 ) and 15 U.S. Code 1692d ( 2 ) this is a violation. Then on XX/XX/XXXX i received yet again another phone call from Gulf Coast Collection bureau will I was working at this point they are harassing me by calling me at inconvenient times and when i answer and tell them I'm busy at work they hang up which is also another violation pursuant to 15 U.S. Code 1692d ( 5 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with Experian my legal name and spelling, my correct address and my correct social They continue to have and continue to report improper names. 2 social security numbers, multiple addresses. 

They have confirmed and verified apparently but yet which social security is mine? 

What is the correct legal name of mine? 

What is the correct address for me They have lied by their investigation results. They can not investigate and confirm which account belongs to what name nor can they confirm what social security is mine Only I know my social security number and legal spelling of my name
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : ACCOUNTS ; XXXX  XXXX XXXX Balance Owed : {$150.00} ; XXXX XXXX XXXX Balance Owed : {$290.00} ; XXXX  XXXX XXXX Owed : {$3100.00} ; XXXX  XXXX Balance Owed : {$3400.00} ; XXXX  XXXX Balance Owed XXXX {$1400.00} ; XXXX XXXX Balance Owed : {$870.00} ; XXXX  XXXX Balance Owed : {$1400.00} ; XXXX  XXXX Balance Owed : {$10000.00} ; XXXX  XXXX Balance Owed : {$4500.00} ; XXXX XXXX Balance Owed : {$6100.00} ; XXXX  XXXX Balance Owed : {$2700.00} ; XXXX  XXXX XXXX Owed : {$5000.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

After providing Experian with information showing three accounts didn't belong to me they still refuse to remove them. This is getting very frustrating because i have provided documentation and they are still failing to remove these items. I have provided a police report stating XXXX and XXXX XXXX accounts were both opened by someone else and are results of identity theft. I have also provided information that XXXX XXXX XXXX have an address reporting on the account that i have never lived at. At this point if Experian continue to report these unverified accounts, I will have no choice but to take legal action. I will be using the complaints I have filed, along with all the documentation that I have already sent to the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

{$170.00} charge from XXXX is for XXXX testing for XX/XX/2021 for 4 or 5 people. These charges for XXXX test results are not to be billed to XXXX XXXX during this time period, a s we had no health insurance. If these are not XXXX billings from XXXX, then they are incorrect billings being charged to XXXX XXXX XXXX Why? Because XXXX shows no Collection Accounts for XXXX XXXX for the last XXXX XXXX Kindly remove this collection activity from XXXX for XX/XX/2021 for XXXX XXXX.
Product: Debt collection

Allied Financial is attempting to collect a debt from someone other than me and wanted to know if I had information to contact that person. An Allied representative called me on XX/XX/2024 at XXXX from XXXX. I answered the call ; they advised they were looking for someone else, I advised that the person they were looking for was not at the number they called and that I did not have any information for that person. Allied called again on XX/XX/2024 at XXXX am from XXXX. I did not answer. Allied then called on XX/XX/2024 at XXXXXXXX XXXX  from XXXX. I answered the call and again advised that person they were looking for was not at my number, I had no information regarding that person and again requested that Allied not call me. 

Instead of stop calling me, seeking information regarding a debt owed by someone other than me, Allied simply called from a different number. Today at XXXX I received a call from XXXX from XXXX who left a message seeking information regarding this other person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax intentionally creates false issues with their online system to evade providing free annual reports as required by law. This is done to manipulate online traffic flows into purchasing a monthly plan for {$19.00}. Their homepage is a landing page to offer these overpriced services. They stuff the link to request your free credit report in barely readable 8pt font in the footer, hoping to exhaust visitors into enrolling in their plan instead. 

Once you actually find the link and proceed with requesting your free report you jump though hoops only to discover that they are " UNABLE TO PROVIDE IT ONLINE '' and that you are required to send them your social security card and various information in the mail to obtain it. Attached is evidence of this. 

Furthermore, I have been attempting to dispute a fraudulent collection on my report and Equifax 's system is unable to handle it online, again. They then direct me to a manual link to reenter my information and then request the Account / Case Number for the dispute which can only be obtained from the credit report that you can not access. They identify consumers attempting to fix their credit via AI and then they segment them into having these issues that exhaust them into a purchase. I bet their conversion rates are quite good. 

Do you see what is happening here? They are attempting to force consumers to purchase their monthly program in order to dispute inaccuracies. 

I feel that a class action lawsuit may be necessary for Equifax 's manipulative and unethical business practices. Because of my industry knowledge, I can easily see the unethical marketing patterns that are being used to take advantage of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account numberXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally requesting by submitting this CFPB complaint to remove the following Accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. I am submititng this Complaint to formally request an investigation and correction of the following accounts that appear to be inaccurate and incomplete on my credit file, as per the provisions of the Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX} Your record keeping is inadequate. This item is reported as past due but the account is closed with a XXXX balance. Correct it now. Provide evidence that false information hasn't been reported or remove it. 

XXXX XXXX XXXX Balance : {$0.00} The item on my report is inaccurate. The account is closed with a XXXX balance, yet it's reported as past due. Please fix this immediately. Either provide proof that you haven't reported false information or remove it. 

XXXX XXXX XXXX XXXX : {$0.00} I need to dispute charge off accounts that are still being reported on my credit file with a XXXX balance. These accounts have been paid off in full, and I request that you investigate and remove the charge off status as it is negatively impacting my credit score. I also request a detailed report of the steps taken to correct the inaccuracies on my credit report.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I took out a line of credit loan from Netcredit in XXXX XXXX XXXX. I am a XXXX veteran that gets paid XXXX  monthly and on their contract it clearly states that if you're paid XXXX a month then you're billed once monthly. From the beginning of my repayment Netcredit was billing me twice a month. I called in when the very first billing from Netcredit showing me being billed twice a month and reminded them that I was paid once monthly and should only be bille once a month. They asked if I to move the second payment of that months payment to later and of course i said yes. But I was stilled being billed twice a month and had to ask for payments to be changed again so that I would only be billed once in each month. So now still in XX/XX/2024 they are still trying to bill me bi weekly for this month and threatening to report me late if I don't pay twice this month. 

Netcredit is responsible for this problem and they're trying to lay it on me. I have a copy of their contract that states the billing and also copy of my pay that's on their they site but they refuse to remove their errored second payment scheduled for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report, I notice an account from XXXX XXXXXXXX XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( See Attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus ( See Attached ), along with my incident report ( See Attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX XXXX were reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you for help me with this matter.
Product: Credit reporting or other personal consumer reports

This is a follow up to a previous complaint, parties involved XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX. 

This account is in error and completely wrong, but here we go again. Attached please see the Satisfaction of Judgment. My ex-wife was served at XXXX XXXX XXXX XXXX XXXX, a home I have not lived in since XXXX, please see the attached Divorce filing from XXXX. 

XXXX hired a law firm from XXXX. The case was litigated in XXXX XXXX Circuit Court. I lost by default as I was unaware of the service, because I did not live at that location. The courts ordered my wages garnished and then provided a Satisfaction of Judgement to the law firm, please see the attached summary from XXXX. 

XXXX XXXX XXXX  is not registered with the Secretary of State for the State of XXXX  and not being registered as a XXXX, XXXX, XXXX, or otherwise it is illegal for them to transact any business in any state. 

It is not my debt, I have paid and they are continuing to harass me and cause me undo stress. I want this matter resolved and disposed of immediately.
Product: Checking or savings account

On XX/XX/2020, Chase Bank 'locked ' my account due to suspicious activity after I tried to pay a lawyer {$370.00} by XXXX XXXX pay. But they sent me a code by text, I entered it, and it was initially accepted. 

They them emailed that it was cancelled. So I logged onto my account again, sent them a message instructing that the payment was valid and made it again. 

They then, 1. Cancelled the payment ( again ) ;, and 2. Locked me out of the account, instructing me to call XXXX. 

After over an hour of waiting on hold, I spoke to XXXX, who worked to redress the matter, without success. 

I realized that I would need to open another account at another bank because Chase has a documented history of doing this to people ( I know this from a Reddit thread ). 

I have the ability to open a new account with funds at another bank ; but others I am reading about have NO money and NO ACCESS to their money because of what Chase is doing -- locking us out of our accounts and then being unavailable to fix the situation. 

Chase Bank MUST be required to CHANGE their policies and procedures by creating a financial incentive for accuracy in these matters -- it is not sufficient justification to lock consumers away from funds due to Chase 's 'suspicion ' about transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting from this company is riddled with changing inaccuracies. In XXXX, XXXX it reported me as being 30 days late with my XXXX payment. Then in XXXXXXXX XXXX it correctly removed the 30 day late on my XXXX payment but replaced it with a 30 day late on my XXXX payment. The in XXXXXXXX XXXX it correctly removed the 30 day late on my XXXX payment but both incorrectly put a 30 day late for my XXXX payment AND showed me as owing {$180000.00} -- my original loan amount was {$20000.00} and I owed about {$18000.00} The bottom line, this companies reporting is haywire. I have tried to speak with them to address these numerous, changing inconsistencies but they have been almost as erratic with their customer service. 

For the record, I am paying down a {$20000.00} loan and I have never been 30 days late with a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$25000.00} XXXX XXXX XXXX XXXX {$1100.00}
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and my credit health.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

i am a victim of identity theft. currently the FBI has informed me that they are investigating the suspect by the name of XXXX XXXX. i have not applied for any credit, nor have i caused any inquiries since XXXX the following information has been my only information since XXXX : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, i have never applied for student loans nor any loans. i am XXXX and have never had an employer. i have never had a bank account and the only credit account was from XXXX : XXXX XXXX. i have never lived in an apartment nor have any evictions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I reviewed my credit report last year around XXXX and I seen approx. 5 accounts that I did not authorize. I would like to get this matter resolved promptly.
Product: Checking or savings account

On XX/XX/XXXX a check made out to Me from a XXXX XXXX auto group account at Key Bank was deposited into a XXXX XXXX account incorrectly as someone else intercepted the check and sent it to XXXX XXXX for Processing. The check was for {$710.00}. This was money contractually to me from the car dealership. 
I submitted a complaint to CFPB about XXXX XXXX not correcting this timely and they returned the money to Key Bank on XX/XX/18. The next step was to follow up with the car dealership. I did this on XX/XX/XXXX. The dealership will not cut me another check until Key Bank credits their account the {$710.00}. It has been 10 days since the money was returned to Key bank and I still do not have a check from the car dealership as their account has not been credited by Key Bank. This is an unacceptable delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB and Equifax, This is a *new* claim with *new* updated information - attached to this *new* complaint are - a drivers license, social security card, mailing address, XXXX XXXX, XXXX credit report XXXX XXXX XXXXXXXX letter to remove late pays , XXXX XXXX letter to remove late pays, XXXX XXXX XXXX not my collection, XXXX XXXX and XXXX XXXX XXXX to remove collection letter Please have this handled immediately as this is damaging my credit and I am buying a home.