23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I received a call from someone claiming to be from chase, but it turned out to be a fraudulent representative. They tricked me into providing information and ended up defrauding {$1500.00} from my business checking account. Despite numerous attempts to resolve this fraudulent situation by calling Chase and filing claims, I have not received a satisfactory resolution. Therefore, I am escalating this matter by filing a formal complaint against the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian stated that the following account was verified XXXX XXXX XXXX ) was verified. The debt was charged off and sold to XXXX and XXXX XXXX services which went bankrupt/merged with XXXX XXXX XXXX which was liquified and closed, due to various FCRA lawsuits XXXX Experian was/is unable to verify the debt as it was sold and both companies are no longer in business. As per FCRA a debt must be able to be verified to be allowed to stay on a credit report. If it can not be verified it must be removed immediately.
Product: Student loan

Mohela reflects inaccurate payment resumption period coming out of the COVID forebearance period. Keeps stating I am a month behind in LATE PAYMENT notices. I have already provided them the correspondence letter they provided that shows the accurate date. Now they are not even counting made payments accordingly. 

In a nutshell : -- Forebearance ended XX/XX/XXXX -- Payments resumed XX/XX/XXXX -- XXXX XXXX XXXX XXXX, XXXX Payments DUE -- ALL XXXX payments have been made -- Payments are due XXXX or XXXX of each month They keep stating that forebearance ended in XX/XX/XXXX, with payments starting in XX/XX/XXXX. In XX/XX/XXXX, the finally sent a letter acknowledging mistake, and were to update account and remove any past due balances/notifications. KEEP GETTING PAST DUE Notices and letters stating otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking through my consumer report and noticed a debt from XXXX XXXX XXXX XXXXXXXX of a balance of {$26000.00}. In pursuant to 15usc 1692j ( a ) states It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor when in fact such person is not so participating. So Experian is breaking the law by allowing third party debt collectors to design, compile and furnish my consumer report without the consumers consent when their job is to protect my consumer report. Also in pursuant 15usc 1692j ( b ) states Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section XXXX of this title for failure to comply with a provision of this subchapter. Also in pursuant to 15USC 1681 ( a ) ( 4 ) of Congressional findings and statement of purpose states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. So, Experian has broken multiple laws by giving debt collectors the right to design and furnish my credit report to destroy my ability to get an apartment and a car. I need a right to remedy by removing XXXXXXXX XXXX XXXX XXXXXXXX from my consumer report as this is damaging my livelihood. I WANT ALL RESULTS INCLUDING DISPUTE RESULTS TO GO THROUGH THE CFPB. I AM NOT ASKING FOR DEBT TO BE VERIFIED. I want a response within 15 days.
Product: Checking or savings account

have an open account with PNC bank and i want to close this account but i tried 10 times to get in contact with someone to close this and they make it impossible to get to someone. after 50 min they pick up and tell you that you need a different department and they keep switching you back and forth and they keep charging me overdraft since there is a monthly charge on the account. 

Please just help me closed this account.
Product: Debt collection

ONLINE INFORMATION SERVICES is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1300.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery continues to show accounts on my credit reports as open/charge off/120 days late. I 've never opened accounts with this company, they are a junk debt buyer and apparently bought some information in groups from multiple companies. They contacted me over   XXXX   apparent debts they acquired and instead of disputing with them I went ahead and paid them so they would remove the harmful information from my credit reports. This has been going on for months now and these people keep changing information on my credit reports causing me severe harm. I have sent numerous request advising them that they were supposed to delete all of their information from all credit bureaus once I paid them these debts that I never even acquired with them. I have tried so many times to get this fraudulent company to correct and remove there false information that I 'm now faced with fighting this in court. I 'm hoping CFPB will be able to start the process and get this company shut down for good. I 've been following and reading the many court cases and lawsuits brought against them for the very same thing I 'm writing about. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

These are the accounts i reported as inaccurate multiple times XXXX XXXX XXXX XXXX {$7100.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$740.00} I have disputed all of these accounts multiple time they all state that they are original creditors yet i have never signed a contract with neither collection agency nor have i ever done any business with either one.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report, it was discovered that there was a writ of XXXX XXXX and XXXX XXXX, Georgia with the plaintiff attorney XXXX and XXXX. 
I was listed on a suit with XXXX XXXX XXXX. I do not know this person. I was wrongfully noted as a defendant in this case. This notice was dated XX/XX/XXXX. 
Student loans were paid off in XXXX and this is not my obligation. 
I want to cleared from my record. It is impeding my ability to refinance my home
Product: Checking or savings account

XX/XX/2020, {$10.00} amount charged by XXXX ( Merchant ) My bank is Chase. 

I disputed this charge with Chase and was given a credit for the amount of {$10.00}. I was also mailed a new debit card. 

On XX/XX/2020, a claim reversal ( ID # XXXX ) appeared in my Chase Checking account and I was charged {$10.00} causing me to overdraft. I am currently unemployed and do not have any money til XX/XX/2020 and I now have to pay an additional {$34.00} overdraft fee.
Product: Debt collection

THIS COMPANY WHICH I HOLD NO CONTRACT WITH REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$7500.00} WITH CREDIT AGENCIES AND ALSO SENT ME LETTERS, I HAVE REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDE ADEQUATE PROOF WITH MY SIGNATURE I DO NOT HAVE A CONTRACT WITH THIS AGENCY. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOOD OR SERVICES/BUSINESS THEY CLAIM THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROOF, I AM NOT OBLIGATED TO PAY FOR THE ALLEGED DEBT. I HAVE REACHED OUT AND SENT LETTERS SEVERAL TIMES AND ASKED THIS AGENCY TO VALIDATE THE DEBT THIS COMPANY IS CAUSING FINANCIAL HARDSHIP AS IT REPORTED ON MY CREDIT
Product: Debt collection

on XX/XX/2021 I received a letter from a debt collector stating that their re-presenting XXXX XXXX XXXX and I owe an alleged debt in the amount of {$690.00}. So on XX/XX/2021 I sent a affidavit for debt validation letter via certified mail to debt collector. Then I received a letter from debt collector stating they're in receipt of my request for validation but stated below is the request for verification of the debt. Then they send me another letter dated XX/XX/2021 stating that their office has filed a lawsuit. So I on XX/XX/2021 I sent another affidavit of debt validation letter along with a notice of dispute via certified mail.
Product: Vehicle loan or lease

my wife was a co-signer on an automobile and received a XXXX XXXX XXXX to correct the problem and costs me to pay taxes on $ XXXX.This car was a lemon law by federal standards and Chrysler paid it off. Fortunately, however, the Internal Revenue Service takes a logical view of forgiven debt for co-signers. Treasury Regulation Sec. 1.6050P-1 ( 7 ) says that for purposes of filing, " a guarantor is not a debtor. '' It differentiates between those who get the benefit of a loan and those who guarantee its repayment. You are a guarantor, and so you should be off the hook. After many attempts to resolve this issue, I have decided Santana ( XXXX ) refuses to correct their mistake. Chrysler capital sent us a letter this account was paid in full XXXX title XXXX
Product: Debt collection

I first learned about this " debt '' when I checked my credit report on XXXX XXXX. My rating had dropped 9 pointes because there was a collection from First Federal Credit Control ( FFCC ) on it. I contacted FFCC and they told me I owed {$10.00} to a doctor from 2017. I told them I had never been notified by phone or in writing of any such debt. I called the doctor ( and their billing company ) and they told me their records did not show any such debt, nor did they turn over anything to a debt collection company. I called FFCC again and they told me that the collection effort would stay on my credit report until I paid the debt, preferably online on their website.

I have never received ANY communication of any kind from the doctor, the billing company or FFCC about owing any money. I had to call them! They never contacted me and supposedly this debt is 4 years old!

I have filed a complaint with XXXX but I want this removed from my account. How do I get this company ( FFCC ) to remove this debt?
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 Bank of America pulled a hard copy of my credit report without my consent or knowledge. 
I reported to Bank of America and XXXX
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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX  Balance : XXXX XXXX XXXXXXXX XXXX XXXX  Balance : {$8.00} XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX XXXX Balance : {$3800.00} XXXX  XXXX Balance : {$2600.00} XXXX XXXX XXXX Original Balance : {$1300.00} XXXX XXXX XXXX XXXX Original Balance : {$2300.00} XXXX XXXX XXXX XXXX  Original Balance : {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX # XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX  Balance XXXX {$8.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance XXXX {$3800.00} XXXX  XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Original Balance : {$2300.00} XXXX XXXX XXXX XXXX  Original Balance : {$3000.00} XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX  Balance : XXXX XXXX XXXX XXXX XXXX Balance XXXX {$8.00} XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX Balance XXXX {$3800.00} XXXX XXXXXXXX Balance : {$2600.00} XXXXXXXX XXXX XXXXXXXX Original Balance : {$1300.00} XXXX XXXX XXXX XXXX Original Balance : {$2300.00} XXXX XXXX XXXX XXXX  Original Balance : {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of the Equifax Data Breach/ Identity theft. I sent a certified letter to Equifax to request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. This is pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ( a ) ), which requires credit reporting agencies to block and delete fraudulent information within four business days of receiving proper documentation. Equifax failed to remove these accounts. I DEMAND that these accounts are deleted IMMEDIATELY!. The law states 4 business day. 

Fraudulent Accounts : XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  Amount : {$14000.00} XXXX. XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX  Amount : {$300.00} XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  Amount : {$1600.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX  Amount : {$530.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX  Amount : {$1000.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX  Amount : {$460.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX  Amount : {$300.00} XXXX. XXXX XXXX Account Number : XXXX XXXX  Amount : {$460.00} Fraudulent Inquiries : XXXX. XXXX XXXX XXXX. XXXX XXXX  XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the previous written requests sent to Transunion, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of this account. It is unacceptable to continue reporting this account as unconfirmed information without producing proof within the time allowed by law. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please have this account corrected at once : XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

XXXX college account number XXXX is breaking the law!! Its been reaging my account reporting 120 days late each month for 4 years!! Further destroying my credit even more. Also, the account has been up to date for 6 months and i been disputing but no change..please remove ALL 120 DAYS LATE MARKS ON CREDIT PROFILE AFTER THE TRUE 120 DAYS IN 2020. WHICH WOULD BE THE FIRST 4MONTHS. PLEASE FIX AND THANK YOU.
Product: Credit reporting or other personal consumer reports

XXXX ran my credit XX/XX/year> without my permission
Product: Credit card or prepaid card

I had closed my Discover card account. Now I have a lot of credits coming to my account from merchants for returning merchandises, I paid for with Discover card. I gave a specific instructions to have all my credits to be deposited directly to my checking. For 3 weeks I've sent numerous emails to XXXX XXXX XXXX, one of the executives, reporting the problem getting those credits deposited to my checking account and the problem hasn't been resolved. The person, who was assigned to my case, XXXX, didn't return any of my phone calls. When I opened my account file on the website, I saw credit for {$220.00} posted on XXXX and when I called Discover, they didn't have that transaction on their records. Also on the same day I had {$1300.00} deposited to my checking account and then taken back and nobody could explain to me where the money came from, why it was deposited and then taken back and now I ended up having a balance I have to pay.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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. 

XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

I am writing to inform you that the 4 business days that you were given to block certain information in my credit report that I believe resulted from identity theft has passed, as per my rights under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2. 
The following information is not related to any transaction or activity performed by me : XXXX XXXX - XXXX ( a ) BLOCK Except as otherwise provided in this section, 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 by such agency of I requested that these items be blocked from my credit report in accordance with my rights under the aforementioned law in a letter that reached you earlier.

Attached to these letters were copies of the following documents : 1. Proof of my identity [ describe the document you're using as proof of identity, such as a driver 's license or passport ] 2. A copy of the identity theft report, ( I have a Federal Trade Commission Identity Theft Report and/or a police report ) 3. A statement explicitly declaring that the disputed information does not relate to any transaction or activity performed by me. 
I respectfully request that you act promptly on this matter, as the law requires you to block the reporting of this information no later than four business days after the receipt of these documents.
Product: Credit reporting or other personal consumer reports

**Dispute Report** Date : XX/XX/year> Subject : Removal of Fraudulent Accounts and Hard Inquiries from Credit Report To Whom It May Concern, I am writing to dispute the presence of several accounts and hard inquiries on my credit report, which are negatively impacting my XXXX XXXX. Below is a list of accounts and inquiries that I believe were fraudulently opened without my consent or knowledge : **Accounts : ** XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX These accounts do not belong to me, and I request their immediate removal from my credit report. Furthermore, I am requesting an update to my personal information on file. Please remove the following business name associated with my account : **Remove Business Name : ** XXXX XXXX XXXX Additionally, I request the correction of my name to " XXXX XXXX XXXX XXXX across all accounts and records. 

**Hard Inquiries Needing Instant Removal : ** 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 And any others that may be present. 

These hard inquiries were made without my authorization, and I request their immediate removal from my credit report as per the law. 

I am enclosing copies of relevant documents supporting my claim, including identification and proof of address. 

Please investigate this matter promptly and provide written confirmation of the actions taken to resolve these disputes. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was trying to get some tickets for a game, from XXXX XXXX. Seller claims that once I submitted the payment true XXXX. He will forward the ticket information to my email. And it never got the tickets. I call my bank to claim and put a stop payment on the transaction. And they claim that's nothing they can do since it's a XXXX quick pay. 
This is where the payment went to XXXX XXXX and e mail. XXXX Tel # XXXX. Also they give me this other email Okay his email XXXX his names XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!