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

I have a fraud alert on my credit report which means creditors have to contact me to verify my identity when they perform credit check, which results in a hard inquiry on my credit report. On XX/XX/year>, I was contacted by XXXX XXXX. I was informed they were contacting me to verify my identity because I have a fraud alert on my credit report. I verified my identity as accurate, as I did apply for credit with XXXX XXXX. Upon verifying my identity, I checked my credit report a few day later an noticed I had two hard inquires from XXXX XXXX on XX/XX/year>. I contacted XXXX XXXX and informed them of this. XXXX XXXX informed me Equifax placed an extra hard inquiry on my credit report. I told them that is impossible because Equifax will only place a hard inquiry when asked to do so and in this case they have XXXX XXXX listed for two hard inquires placed on my credit report on XX/XX/year>. They told me to contact Equifax. Upon contact Equifax, I was informed they will not place a hard inquiry unless contacted my a creditor. Besides, both hard inquires are listed for XXXX XXXX. I contacted XXXX XXXX and demanded they remove on of the hard inquires and they have been adamant that only one inquiry is on my credit report. How can the creditor tell me what is on my credit report? I would like to know how can I take litigation against XXXX XXXX for this matter?
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 # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without 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: Debt collection

***ATTENTION THIS IS NOT A DUPLICATE COMPLAINT AND PER COVERSATIONS WITH CFPB THEY ALSO AGREE. PLEASE REVIEW AND RESPOND THANK YOU! **** To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) and the Fair Collection Practices Act committed by Huntington Bank/First Merit. 


After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




XXXX Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. ( XXXX XXXX XXXX XXXX ) Account number # XXXX, ( XXXX XXXX XXXX XXXX ) Account number # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by ( XXXX XXXX XXXX  XXXX ) Account number # XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account number # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report
Product: Credit reporting or other personal consumer reports

This company tried to collect money from me but i didnt recognize this company, another person use my identity for this. 

XXXX XXXX XXXX - Account # XXXX XXXX XXXX - XXXX Account XXXX XXXX
Product: Debt collection

National Credit Systems refuses to send me documentation proving that this debt is mine. They are unprofessional and I believe this company to be a fraudulent den of thieves. The manager XXXX XXXX hung up on me when I simply requested documents to prove this debt is mine. After, I called back after being rudely hung up on and spoke with a " XXXX XXXX '' who told me that paperwork was indeed sent out. This was weeks ago and I have received nothing from them.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX of 2023 I took out a loan for {$1000.00} I knew I would have some interest but never would have thought the ending balance would be {$3000.00} with interest and fees. I was already going through a rough time and this loan only aided to the stress. I have already paid over a {$1000.00}. Not to mention the constant phone calls and emails multiple times daily.
Product: Credit reporting or other personal consumer reports

Hey XXXX writing this complaint because consumer reporting agencies have failed to remove dismissed bankruptcy from my credit report after its been remove from ( XXXX ) bureau due to inaccuracies. I am aware this is a violation to my consumer rights & should be handled accordingly.
Product: Credit card

Refer to the attached documents. I request the bureau to initiate an investigation into these accounts, which I am never late for, but they are erroneously reported as late.
Product: Student loan

I was victim of identity theft by a person who gained access to my personal information. This person, XXXX XXXX XXXX fraudulently XXXX signed my name as co- signer on student loan no. XXXX with Chase Bank in sum of {$10000.00} on XXXX XXXX, 2009..I have provided Chase with last known information for XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( XXXX  ) are upheld. Please see the attached file for this concern. Please see the attached file.
Product: Vehicle loan or lease

Lease ended XX/XX/XXXX. All monthly lease charges have been paid. GM Financial sent a past due notice of {$1700.00} on XX/XX/XXXX without any invoice, details, or support of the charges. I talked with a Customer Service Rep and asked for the info. I sent a note on XX/XX/XXXX asking for the invoice. No invoice was received. GM sent another past due on XX/XX/XXXX again without any description of what this charge was for. On XX/XX/XXXX I sent a note asking for this info. GM did not respond or send the info I requested. Now they have reported my account as delinquent to the credit bureaus impacting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much XXXX which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Checking or savings account

on XXXX XXXX, 2016 I took {$280.00} from my account in 2 transactions. I got only {$20.00} bills. Later the bank took out an extra {$420.00} saying I had received {$50.00} bills in error. This was not correct and the bank is unable to prove I got $ XXXXs. Nonetheless they refuse to restore my {$420.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS LOOKING OVER MY CREDIT REPORT AND SAW WERE THERE WAS SOME THING I DIDN'T DO XXXX XXXX XXXX, WV XXXX XXXX XXXX, MS a few times XXXX XXXX XXXX, WV XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX, TX XXXX Few times XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX, TX XXXX few times
Product: Payday loan, title loan, or personal loan

I would like to file a complaint against U.S. Bank concerning a stolen fraudulent check that presented against our account. We are also looking for some assistance with this dispute that we have with U.S. Bank. The situation involves a stolen check and fraudulent activity on our checking account. On X/XX/2014, I had a check stolen out of my office and on X/XX/2014, a check presented and cashed for {$3000.00}, at Citizens Community Federal Bank. The balance of my checking account was less than {$500.00}, due to this check being cashed a Ready Reserve liability was established in the neighborhood of {$2600.00}. This fraud was promptly discover and informed on X/XX/2014 to U.S. Bank Fraud Department and the local police. Investigations were started both with U.S. Bank and the City of  XXXX Police. After a period of several weeks, U. S. Bank decided to deny our claim to cover the fraudulent activity on our account and started to demand payments to begin to paying off the Ready Reserve Account that was established through the fraudulent act. U.S. Bank froze this fraudulent account and put a Cease and Desist on our account to adversely affect our credit history.
We have contacted the local Branch Manager, the Loss Prevention Department, Retail Collections Department. The State of Minnesota Office of the Attorney General strongly suggested we contact the Office of the Comptroller of the Currency to voice our complaint and to seek a remedy to our situation. I have included copies of our correspondence.
Product: Debt collection

XXXX XXXX account was hacked into and scammer took out a loan for XXXX dollars. They changed my password and home address then transfered the money into my XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a Personal Information Update request via XXXX XXXX to Experian. Experian corrected my address but did not correct my name. My name remains incorrect on my profile. I then called and spoke with an agent of Experian that claims It cant be updated because a creditor is reporting that name and I must call them and have them update my name first. I stated that the name on my profile is incorrect and can possibly cause fraud or identity theft. By law they have to correct incorrect variations of my name. I also provided government issued identification with my correct name spelling. Experian is known for not updating incorrect information. I knew it was going to be an issue to show my name correctly.
Product: Credit card or prepaid card

I had an impending fairly large purchase so on XX/XX/XXXX I went online to Chase Visa and made a payment of {$5700.00}. ( Attachment A ) That payment was drawn from my bank on XX/XX/XXXX ( attachment B ) I actually did not get credit from Chase until XX/XX/XXXX and a charge of over {$3000.00} was declined by XXXX on XX/XX/XXXX ( because my account was not credited with the payment ) ( attachment C ) I was quite upset as I had been on a waiting list for over 5 weeks for the declined charge and by declining it Chase put me back on another waiting list. I contacted Chase and was told that they had not drafted the money but put a hold on it until XX/XX/XXXX. Obviously this is not true per attachment B. The day after I called Chase credited the account I have also included a copy of my Visa statement from chase
Product: Checking or savings account

Deposited a check via the Chase mobile app to my checking account. The source of the funds was an established income source used several time before, as recently as XXXX weeks prior to this. Upon depositing it, received notification it would be subject to a XXXX day hold. This seemed a departure from the normal hold time so I contacted Chase to obtain an explanation both in person and on the phone. I was subjected to a humiliating variety of questions, as the check was from a relative I was asked how they were related to myself, why they would be sending it and why I would have a different last name. After answering these questions I again received a shifting series of attempted explanation for the delay. In contacting the family member that had issued the check it had cleared the bank the day after the check was written. At this point it has been XXXX days without neither a return of funds to the party who had written the check not a deposit of the funds to my account nor did I evert receive a clear and consistent explanation for this issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account ending in XXXX Citi Reference Number : XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), as a federally protected consumer, I am hereby opting out of any and all authorization, whether written, unwritten, verbal, or nonverbal, as per 15 USC 6802. Attached is the card agreement as reference, indicating my revocation of authorization to share my personally identifiable information with any non-affiliated third parties, including consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX Balance : {$0.00}
Product: Mortgage

XXXX XXXX XXXX took over servicing our bank of America mortgage last XX/XX/XXXX. We were 2 months behind at that time .They XXXX  would take weeks to process payments never went any more than the 2 months behind. Was always sending alittle more to build unapplied funds to catch up, but they always seemed to change monthly amount owed. In XX/XX/XXXXpayed payment, later to find out they never applied that payment. Sent the next months payment and they sent it back, stating to send cashiers check, I sent a cashiers check for XXXX   and then they would not apply that. Then I called they said sorry your no in foreclosure process. Had they applied any of these payments to the account it would have never went so far behind. I have copies of the check and cashiers check. This company intentionally did this to make this happen
Product: Debt collection

The XXXX XXXX  collection agency is sending me a letter concerning an alleged debt. The alleged debt is past the Statute of Limitations for legal action and credit reporting. Therefore, the business can cease and desist all communication efforts. Nor, should the business attempt to forward this to another company in the business. You can also notify your client not to forward to any other XXXX XXXX collection agencies.
Product: Credit reporting or other personal consumer reports

I have noticed several items on my credit report that I do not recognize. It appears that someone XXXX have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant XXXX. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several erroneous entries. The XXXX credit bureaus are legally obligated to validate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is completely unacceptable to treat this reporting account as unverifiable without providing proof within the required legal timeframe. I demand that you investigate the unverifiable account listed below in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). XXXX XXXX Balance : {$60.00} XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

After recently checking my credit report, I believe that I've been a victim of identity theft and found numerous accounts and credit inquiries of which I have no knowledge of. I have attached an FTC Report. I conrm that these accounts and inquiries were made without my authorization. I request that the following accounts and inquiries be removed from my credit report immediately : XXXXXXXX XXXX - XXXX - I do not recognize this at all. - Delete this immediately.
Product: Debt collection

Summary of Issue : I am filing a complaint against Huntington Debt Holding , LLC, as the company falsely claimed that there was a legal judgment against me regarding a debt they are attempting to collect. On XX/XX/XXXX and XX/XX/XXXX, the representative stated there was a pending legal notice and judgment, which I later confirmed was not true. This was a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), as it is illegal to misrepresent legal action or threaten consumers with non-existent judgments. 

Details of the Complaint : Harassment and False Claims : The company contacted me multiple times within days and falsely claimed a judgment existed, using this as a scare tactic to pressure me into paying the debt. They even sent me a payment plan asking for my credit card information and stated that if my information was not entered by the end of the day, they would send my file to the legal department and that there would be " nothing I can do to fix the situation since there was a judgment to garnish my wages. '' Failure to Provide Documentation : When asked for proof of the judgment, legal notice, and original debt documentation, the representative refused to provide any legal documentation beyond a payment arrangement. He kept stating that " I sounded like I didn't want to pay my debt and he would let legal follow through with the garnishment. '' Outcome with XXXX  : I have already filed a complaint with the Better Business Bureau ( XXXX  ). Following my complaint, Huntington Debt Holding, LLC admitted to troubling account handling and placed the account in cease-and-desist status. However, they still have not resolved the issue or provided adequate proof of the legitimacy of the debt.

Request for Action : I am requesting the CFPB or FTC investigate the deceptive practices of Huntington Debt Holding, LLC and take appropriate action to ensure that they adhere to the legal requirements for debt collection and reporting. I would like confirmation that this debt will be removed from my credit report if they can not provide legitimate documentation or proof of the judgment, they claimed existed.
Product: Credit reporting or other personal consumer reports

My Experian credit report does not update the payments for my XXXX XXXX  loan. It says that I have not paid for XXXX. I called XXXX and they told me that they passed the information on to the credit bureau. I filed a dispute with Experian and they did not respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XACTUS XXXX XACTUS XXXX XXXX XXXX XXXX XXXX XXXX XACTUS-AVANTUS XXXX XACTUS-CP  XXXX DETAILS : TO WHOM IT MAY CONCERN, MY VEHICLE LOAN IS WITH XXXXXXXX XXXX XXXX XXXX XXXX I DID NOT AUTHORIZE XXXX XXXX TO SHOP MY CREDIT WITH XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. THIS IS MERELY HOW THEY DO BUSINESS BUT WITHOUT MY CONSENT. 
SECONDLY, I DID NOT AUTHORIZE XACTUS OR XXXX XXXX  TO RUN MY CREDIT REPORT. I SIMPLY SPOKE TO LENDERS ABOUT MY OPTIONS TO BUY MY FIRST HOME. 

PLEASE CONTACT ME FOR ANY FURTHER INFORMATION THAT IS NEEDED FROM ME. THANKS FOR THE TIME AND HELP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, and to whom it may concern, I've having ongoing issues with Experian. I've tried multiple times to point out to them that they are reporting false and inaccurate information on my credit report. It's been 30+ days now and they have yet to respond to my dispute letter. Experian are violating my consumer rights. I've pointed this out to them and they just don't seem to care and they are not taking me serious at all. Credit bureaus are supposed to be reporting 100 % ACCURATE INFORMATION as well as doing everything that they can to ensure that the information appearing on one 's report is accurate.