23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debt collection agency has been impersonating my law firm. When pressed by the consumer to identify themselves, the collectors claim to be calling from a law office by the name of " Nam XXXX XXXX ''. This is the trade name of my law practice, and this agency is in no way affiliated or associated with me or my law firm. The agency is also not a law office. Due to this deceptive practice I have been receiving calls from confused and angry consumers who mistakenly believe that they have been contacted by me or my office. A web search also reveals that consumers are posting the same complaints, so when a search is conducted of my law firm, these complaints pop up, wrongfully linked to my trade name. They also complain that the collectors make other misrepresentations and threats such as that they will levy the consumer 's social security benefits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began notifying the consumer reporting agencies and secondary reporting agencies that I am an identity theft victim on XX/XX/22. Transunion and XXXX reviewed my identity theft report and removed the fraudulent items from my credit report. XXXX, XXXX, and the other reporting agencies have failed to do so. According to 15 USC 1681 c ( 2 ), a consumer reporting agency must remove and block any information from the file of a consumer that the consumer states is the result of alleged identity theft within 4 days of being notified. It has been well over 4 days. Also 15 USC 604 a 2 says that no account can be furnished on my credit file without my written permission. I have not given anyone written permission. Also, XXXX XXXX XXXX XXXX and Regions appear on my credit as charged off. To my understanding, this is illegal. The IRS considers this to be income. They are committing tax fraud. 15 USC 1681 e b is being ignored. They are reporting information that is not accurate.
Product: Credit card or prepaid card

I got an email bill from Upgrade credit card ( never heard of them ). I disputed it, got a police report and an affidavit as directed and sent all documents to them. I have not been able to hear from them or get ahold of them since. They are still on my credit report, with a larger amount than when I first discovered this and notified them. I have disputed them several times on XXXX, to later be told by XXXX that the issue is found by Upgrade to be my responsibility. I still get email bills from them, and now bills to my home address with the larger amount due, yet no resolution to my fraud claim. They have not answered my emails or phone calls even though I have informed them that the police would like more information to assist in the investigation. Since they have not responded or cooperated in any way, the police have closed the case as unsolved.
Product: Credit card or prepaid card

I purchased a camera lens for {$860.00} that was falsely advertised from XXXX XXXX using a Capital One credit card through XXXX on XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX, I contacted XXXX to resolve my issue with the falsely represented product I was sold, but they did not provide an acceptable solution On XX/XX/XXXX, I called Capital One, and they recommended that I open a dispute claim through XXXX, and I did. On XX/XX/XXXX, XXXX informed me I would be eligible for a refund if I returned the item before XX/XX/XXXX, but I  would have to pay for return shipping and may be eligible for reimbursement. When I called XXXX and told them this was not satisfactory, and I wanted shipping paid upfront by seller, they suggested I open a claim with Capital One, which I did. Capital One opened up a dispute claim and requested a number of documents to support my claim, which I forwarded on a number of occasions from the end of XX/XX/XXXX to early XX/XX/XXXX. During this time I reached an agreement with the seller in which it provided shipping cost upfront, and I returned the lens -- seller confirmed receipt on XX/XX/XXXX. However, both XXXX and Capital One are refusing to give me a refund. Capital One claims I did not provide requested documentation, which is irrelevant not that the item is returned, but also will not provide anything in writing to explain how my submissions were insufficient or how that relates to their refusal to refund my money after returning the merchandise. XXXX refuses to do anything without notification from Capital One that the dispute is resolved, and Capital One refuses to provide such notification. One or the other or both are holding my refund and refusing to cite a valid reason to justify their refusal to refund my money after I have returned the merchandise.
Product: Credit reporting or other personal consumer reports

XXXX XXXX - Account XXXX Platinum Secured - Opened XX/XX/year> - I am requesting that this trade line be deleted from all three of my credit reports. I have notified each credit bureau that this trade line reports inaccurately and affects my reports negatively. This account was paid in a settlement. I never received any 1099 for this account confirming it was settled, although I received an email it was. I notified each bureau in a dispute that the account reports payment status as XXXX and nothing has been fixed XXXX Also, the last payment date for each credit bureau is inaccurate. I notified the credit bureaus and was advised after the dispute that it was reported accurately, verified, no change. I emailed the CEO of XXXX XXXX regarding for this request to be fixed and was then contacted by Compliance that on their end, they report accurately and the credit bureaus report their information inaccurately. Per inaccuracy, I request that this trade line be deleted immediately.
Product: Debt collection

I have reached out to this company many times and have not received anything. They say my complaint " deemed frivolous or irrelevant ''. Which I find disrespectful and deeming to me as a person. I sent an email for two individuals on the executive team to discuss the situation as the person who responds to these complaints is not professional and talks down to me as I am stupid. I have requested contact from the company with no response other than just applying it to my credit and destroy my livelyhood.
Product: Credit card

I am writing to your agency because I am very upset the way my bank handled my dispute, they did n't even consider investigating.  Citi Bank (    XXXX   XXXX   ) told me I had 60 days only and I have been told I can dispute under claims and defenses and I have 538 days. It seems like my bank is taking the merchant 's side and It is not even giving me the chance and did not even consider to open an investigation. The merchant   XXXX   XXXX   XXXX   XXXX  , charged me {$6100.00} on  XX/XX/2015    and they contacted me by phone and told me their services were necessary for my online business make money, they said they got referred from   XXXX   XXXX   another company that I was working with at the time. Also they said they would implement the work that   XXXX   XXXX   was doing for me. I was supposed to get leads and visitors to my website. I never got any results. I am trying to dispute with my bank since I did not get any services rendered and the company ignored my requests of refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX, sent dispute letter to XXXX  requesting evidentiary documentation to verify an existing debt with multiple companies. XXXX  failed to provide requested documentation as require by FCRA, Section 609. Please see attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau did not delete the error on credit report from XXXX XXXX. They reviewed it and found it accurate. This is information which is derogatory and defamatory and which is inaccurate and false. This information needs to be deleted from my report as this collection has never been validated.
Product: Debt collection

I have encountered National Recovery on 3 occasions. On XXXX of XXXX, I received a call from a number that looked to be from XXXX County Courts. I was told by the court clerk that there has been suit filed against me and I needed to contact the the company for the court date. I called the number that she gave me and was told that I was contacted due to a pay day loan for XXXX XXXX XXXX. I was told that they were getting ready to take me to court and if I paid that day I would not have to court. I declined and told them they would need to take me to court. 

In XXXX of XXXX, while in the hospital. I received a call from National Recovery again stating that a law suit would be filed against me for check fraud on a pay day loan with XXXX XXXX XXXX. They again told me if I paid we would not have to go to court. I declined payment again and ended the call. 

Today XX/XX/XXXX I received a call stating that I had a delivery of court documents. The person told me that they had been an an old address of mine to serve me with documents and asked me if I would be home later this week. After ending the phone call I reeved a text message stating I could resolve pay day loan at their number. 

National Recovery seems to buy old debts, mostly pay day loans that are 7-10 years old and harass and threaten people with court if they don't settle the debt. I've have received these threatening calls 3 times and at this point I am fed up and would like them to leave me alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX LATE PAYMENTS, 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 1681 SECTION 2A. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX 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

On XX/XX/2021 I check my credit report and I notice there was some fraudulent account on my credit report. These companies violated my rights. How can a company furnish account on my report without notify me. that's a direct violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have refinanced all my student loans, on all three credit report there is a number of duplicate accounts for the same student loans that are not being recognized as the same or updated as the same, they are more then 7 years old and only one of each shows paid
Product: Debt collection

XXXX XXXX XXXX XXXX submitted a 1099-A without also filing or submitting a 1099-C to the owner of XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX regarding the payments she made. The 1099-A XXXX XXXX XXXX XXXX submitted indicated a loss of {$140000.00}, approximately {$20000.00} less than the deed to the property and likely as stated because the property structure was this amount, however, being the same {$140000.00} XXXX XXXX XXXX paid in mortgage payments. The for consideration amount was $ XXXX. Also, being the same amount inclusive of the land that XXXX XXXX XXXX paid for separately. This has been submitted to the IRS and was further addressed with XXXX XXXX with indication that this matter is being worked on by the Internal Revenue Service. The property and structure known as XXXX XXXX XXXX XXXX, VA XXXX is satisfied. There are no other known contracts of record for any other subcontractor, etc. and all other expenses were paid upfront by XXXX XXXX XXXX.
Product: Vehicle loan or lease

My name is XXXX XXXX I bought a car from carhop XXXX  XXXX XXXX the XXXX XXXX XXXX value is XXXX but they charging me XXXX I've had problems with the car the first week of purchase the throttle body that was supposed to be repaired but never was the car drove the same now the car is completely broke down I had it towed to their mechanic once again I don't have money to pay for buses, lyfts, tows and still pay a car note I've put XXXX into this car for car payments I explained this to car hop they're threatening to garnish my wages and income taxes I use my car to make money I can't pay them if I'm not making money they sold me an overpriced car it should at least be running correctly they have put me in a jam/ burden as it is now their trying to distroy my life because their selling overpriced lemons please help I'm struggling because my car being down I don't need garnishments on top of that
Product: Debt collection

I was a victim of identity theft, This Company Keep reporting information not mine to all credit bureaus ....
Product: Checking or savings account

Chime banking gave me a provisional credit involves a dispute XX/XX/2022 The dispute helped to stop payment I closed the dispute Payment was not made notification from the dispute and I was notified to re submit payment with a additional expense added for nonpayment I paid on XXXX XXXX the amount of XXXX plus XXXX of penalty fees Chime bank on XX/XX/XXXX deducted XXXX from my account labeled incorrect and without notifying me I receive XXXX benefits and live on a fixed income chime bank has caused a major hardship Spent 5 daysv since XX/XX/XXXX to resolve issue additional errors were created by the customer service reps in resolution process Documentation of chats and emails available as verbal communicate simply impossible The XXXX that was deducted by chime to recover the provisional credit shouldnt of happened because the company was not paid My current bill to the same place that the dispute is now demanding XXXX money and I dont have it because of chimes actions and now financial penalties and created troubled relationship
Product: Credit card or prepaid card

I noticed by logging onto the Citibank Home Depot website today that my balance had gone up substantially. I had not noticed that back in the XXXX statement that they had added {$420.00} in deferred interest fees on a 2 year no interest special. My total amount was under {$900.00} of purchases with Home Depot, and I had been making regular monthly payments of {$28.00} per month. I did not realize that the special was ending in XXXX this year because I was too preocccupied with having been let go from my job in XXXX ( terminated )  and have been trying to deal with finding another job. I didnt pay attention to the credit balance on this card, but I would have paid off the card if n XXXX which only had about {$180.00} left had I realized back then. I called Citibank-HomeDepot credit agency today, and just got off the phone with a manager who said that they had 20 days from the interest charge that they could have done something. I asked is there any other way to escalate this dispute and come to a resolution and he did not offer any solution. I am now contacting the CFPB for help on this matter to see if CFPB can persuade for a resolution which would be preferably that I pay of the full principle amount as of XXXX with no interest fees, since it was obvious to anyone with a brain that I would not have done a 2  year no interest special just to have to pay $ 400+ in interest!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a charge or a card on my credit report that I just noticed for {$760.00} from Commonwealth Finance. I have never done business with them and have no clue who these people are. I own no such card or loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax, XXXX and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax, XXXX and XXXX consistently responds within 24 hours stating the account is accurate, without providing evidence of a thorough investigation. this practice violates the fair credit reporting act 15 U.S.C. 1681 is the section of the Fair Credit Reporting Act ( FCRA ) that states the purpose and findings of Congress regarding the accuracy and fairness of credit reporting. The FCRA also includes procedures for credit reporting agencies to follow. also the The Consumer Financial Protection Act is codified under 12 U.S.C. 5481 onwards in the United States Code, specifically within Chapter 53, Subchapter V, which establishes the Bureau of Consumer Financial Protection responsible for enforcing consumer financial laws. 

I want reported accounts removed 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: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite four written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$7100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting a bankruptcy on my credit report that was never filed on me. My husband filed bankruptcy and I was never included in the bankruptcy. I am asking that they send me proof that I was on bankruptcy papers and where they got them from because I verified with the bankruptcy people that they do not give out info to the credit bureaus. Please give me documentation that shows I am listed on a bankruptcy filing that you have proof of the info on the filing.
Product: Credit card

Dated XX/XX/year> Applied for capital one credit card was approved to receive the card. Moving forward a page requesting a XXXX dollar security deposit to release the card and open up the account. Pursuant 15 usc 1662 this action is prohibited in the extension of a consumer credit transaction. There response is its there policy. The company has given me til XX/XX/year> to pay the balance in full
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to 3 credit bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15 U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Accounts and Inquiries that are still reporting on my Credit Reports : Inaccurate Names : XXXX, XXXX, XXXX, XXXX XXXX ; Accounts : XXXX XXXX and XXXX XXXX XXXX XXXX Inquiries : XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, CERTIFIED Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX.
Product: Credit card

On XX/XX/ someone applied for credit at Great American Finance using my name and Social Security number. This was for a purchase of furniture at XXXX XXXX and XXXX XXXX XXXX XXXX XXXX in XXXX, Georgia. I reside in XXXX, West Virginia and did not purchase furniture or apply for credit from this store. I was only made aware when I received billing information in the mail on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

several attempts to get 2 accounts corrected and updated as PAID. XXXX XXXX XXXX. i have also attached her Credit Report showing the Factual proof that the Credit Bureaus Failed to update the account so it can reflect Paid. both accounts have been PAID IN FULL.