23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts that are reporting inaccurately on my credit file. The following accounts are reporting inaccurately for the following reasons : Incorrect Personal Information : Names : XXXX XXXX ( XXXX ) Names : XXXX XXXX   ( XXXX and XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX ( XXXX  & XXXX ) Address : XXXX XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX ( XXXX  & Equifax ) Address : XXXX XXXX XXXX XXXX XXXX Equifax ) Inaccurate Late Payments reporting on the following accounts : XXXX XXXX - Date Open : XX/XX/XXXX ; Bal : XXXX. I was never late ( Equifax, XXXX, XXXX  ) Identity Theft or Fraud Accounts : XXXX XXXX XXXX ( XXXX XXXX XXXX ) - Date Opened : XX/XX/XXXX ; Bal : XXXX. I was never late. ( XXXX & Equifax ) XXXX XXXX XXXX - ( XXXX XXXX ) - Date Open : XX/XX/XXXX ; Bal : {$1600.00} ( XXXX  ) XXXX XXXX XXXX - ( XXXX XXXX ) - Date Open : XX/XX/XXXX ; Bal : {$2900.00} ( XXXX  ) XXXX XXXX - Date Open XX/XX/XXXX ( XXXX  ) ; Date Open ; XX/XX/XXXX ( XXXX  & Equifax ) ; Bal : {$18000.00} XXXX  ( Equifax, XXXX, XXXX  ) Unauthorized Inquiries : XXXX  - XXXX XXXX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX ( 3 TIMES ) XXXX  XXXX  XXXX   XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  ( 4 TIMES ) XXXX
Product: Debt collection

A collections account has been placed on my Credit report by a third company regarding the same alleged debt. This third company " Consumer ADJUSTMENT CO '' has placed a collection account on my credit report in the amount of {$580.00}. As stated earlier this is the third time " XXXX XXXX '' has been placed on my credit report via a third party collection agency. This alleged, false debt has been previously addressed with XXXX XXXX XXXX and most recently with XXXX XXXX solutions. I have previously filed a complaint and the complaint was resolved by XXXX XXXX XXXX deleting the account from all of my credit reports. The complaint I filed with the CFPB has a reference number of XXXX. I have no knowledge of Consumer Adjustment Co prior to seeing the account on my credit report. I have never had an account with this company and have also never had an account with XXXX XXXX. Consumer Adjustment Co has placed this account on my credit report without any prior notice to me. I was not given the opportunity to dispute this prior to it being placed on my credit report and that is a blatant violation of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I have filed a dispute with capital one informing them that my identity was stolen, ive filed a police report, etc and they verified account information as accurate and not fraudulent.
Product: Credit card or prepaid card

I received a notification from XXXX XXXX on XX/XX/22 stating I had a bank credit card for {$530.00} from XXXX XXXX XXXX. ( XXXX XXXX ). I have no idea what this was, I have never dealt with this Bank, and I did not open a credit card. Someone has opened a card in my name. I have no idea what the credit card number is, when trying to contact customer service of the bank they could not give me any information XXXX Maiden name XXXX XXXX married XXXX XXXX
Product: Debt collection

The Collections Company, Portfolio Recovery continues to report negligence on an alleged debt to the Credit Bureaus. Portfolio Recovery has reported that a recent balance of {$630.00} is owed as of XX/XX/2024. Portfolio Recovery also reported that a balance of {$730.00} is owed as of XX/XX/2024. I am unaware of this debt and have not had the opportunity to dispute this debt.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, were Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. Im requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

I have made online transfer ( a ) in the amount of {$9900.00} on XXXX XXXX XXXX from my Chase Bank checking account to my XXXX XXXX XXXX XXXX account and ( b ) in the amount of {$5.00} on XX/XX/2024, from Chase Bank XXXX XXXX XXXX XXXX XXXX. 

I have asked Chase for Chase bank transfer number and reference number, which I provided to XXXX XXXX XXXX XXXX. As of today, XXXX XXXX XXXX XXXX did not find both transactions.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 Equifax should have received a letter from me explaining and filing a complaint in regards to items that i deemed not to be mine. They have yet to respond and it feels as though they are taking my complaint lightly.
Product: Debt collection

Midland Funding has not provided validation that is competent and bears my signature showing that I have or ever had a contractual obligation to pay for the debt that I am being accused of creating.
Product: Debt collection

I disputed XXXX ProCollect accounts in my credit file with the CRA. Procollect inturn sent was they considered " validation of the debt '' to me via mail. First, I never received anything regarding this debt before discovering it in my credit report in XXXX 2015. Secondly, when I attempted contact the original creditor, I find that they are no longer in business. So, when I received the " validation '' from Procollect, it showed me nothing! I have attached scanned copies of the attachment that procollect sent me as validation of the debts appearing in my credit file for {$600.00}, {$620.00} and {$620.00}. This does not constitute sufficient validation of the debt. This is something that I could have typed up myself. Surely this is not what they send others who are requesting debt validation. And sadly, this was what the CRA used to place this debt in my credit file. I emailed procollect informing them that this was not sufficient and they would have to supply the proper validation according to the laws in the state of Texas and I expected these accounts to be removed from my account. The 30 day period has expired.
Product: Credit card or prepaid card

Company treated " XXXX  '' as a " CASH ADVANCE '' & did not " XXXX XXXX '' Company forced an XXXX after these transactions occurring in more than {$50.00} in fees Company has ignored previous CFPB inquiries & denied Credit Line Increase or any Credit Card based solely on retaliation & not " due to market fluctuation ''
Product: Checking or savings account

My XXXX and one of my phones was stolen from my gym locker. On XX/XX/XXXX this person got access to my devices and my XXXX XXXX account and had sent one of my XXXX XXXX contacts $ XXXXThe individual they sent it to had sent it back thinking it was a mistake. Before I realized what was happening and could secure my account this person withdrew the money immediately onto a card or bank account which stated on XXXX XXXX as a XXXX XXXX  transfer. If XXXX XXXX did proper investigation they should be able to discover that this bank account or card that the money was withdrawn too does not belong to me. I knew this transaction happened right away due to seeing the text message of fraud from chase on my personal phone. I called the bank right away informing them that someone had been on my XXXX XXXX  due to my devices being stolen, and disputed the transaction with XXXX and the bank. On XX/XX/year> the claim was denied by Chase. On XXXX a chase representative stated to me that due to XXXX XXXX providing supporting evidence that the money was sent on MY ACCOUNT that it was authorized and benefited me, the representative also stated that I should have better security on my devices and should not share my passwords with anyone. This was quite offending considering my devices being stolen is out of my control and losing {$2200.00} is hard enough. Also, i have never shared my passwords with anyone or allowed anyone to use any of my accounts. 
This has never happened to me before and I have been a long term customer of Chase so it is unfortunate that they would deny my claim not knowing the whole story or allowing me to provide this evidence. Due to this I have been highly considering closing my banking with them if they can not provide a solution. 

A similar case happened with XXXX as well and they were able to resolve the dispute due to the unauthorized charges. Will attach pictures below of outcome.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX XXXX {$28000.00} XXXX XXXX   XXXX {$220.00}
Product: Credit reporting or other personal consumer reports

The alleged debt was removed from my credit report and then reported back without notice.
Product: Debt collection

I have sent US Bank two certified letters ( XX/XX/XXXX, XX/XX/XXXX, both in 2021 ) to request them to eliminate these accounts from my credit reports asthey are my father 's who died in XX/XX/2021. I have requested an investigation of these accounts and of any proof that these accounts are mine but they have ignored my letters and phone calls. I have recently seen where they have re-aged these accounts so to add extra length to debts that are not mine.
Product: Debt collection

Good Evening, After recently being contacted again by a debt collector, I was made aware that they were violating some of the consumer rights. With further research and consultation I have been made aware that this company is not licensed to collect in my state. In addition to that I have been violated by PMS collections not complying to code 15 U.S. code 1692d where it clearly states that a debt collector may not engage in any conduct of which is to harass or press any person. At this time there is no proof of the collection or verification that they could provide. They will not respond in a timely matter and I ask that this account may be removed from my consumer report and that it reflect the change immediately.
Product: Credit card

I purchased a vacation package from XXXX for a 4 day 3 night stay in XXXX XXXX XXXX. The cost was {$590.00} which I paid {$190.00} on XX/XX/XXXX then the remaining balance of {$390.00} on XX/XX/XXXX2024 using my XXXX CHASE credit card. My statement shows the charges. I chose the dates of XX/XX/XXXXXXXX XXXX XXXX XXXX, 2024. Upon the check-in into the XXXX XXXX XXXX at XXXX XXXX hotel , which is XXXX owned , front desk requested a credit card for incidentals. I charged a beer to my room on XX/XX/XXXX of {$14.00}. At the end of my stay, I received a bill of {$360.00} in which {$340.00} is not valid. 

I initially tried to resolve the issue with XXXX and forwarded the confirmation documents of the package, but to no resolution. The agent stated I stayed an extra day which is not correct. I then sought resolution with my credit card company CHASE which is the card I used for all of the transactions. They initially credited my charge card and they stated would investigate my dispute to resolve. Then on XX/XX/XXXX, CHASE closed the case without reviewing the documentation I submitted to them showing I paid for the entire package in advance. I called CHASE and they said I had to call them to reopen the case. Then the next agent stated I have to submit a dispute for a new case. I did that. On my online account, I do not see they have opened or reopened any investigation.

I am kindly requesting a credit back to my account {$340.00}. I just want my credit card to be credited back correctly. I do not like the way CHASE handled this issue. Their agents were lazy with reviewing their documents as well as my documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX and until XX/XX/XXXX, I had been involved in a debt management plan with XXXX XXXX XXXX  for several credit cards. This program was completed successfully by me in XX/XX/XXXX.

My consumer report displays delinquent account data for only one creditor ( Barclays ) for a time period where I was involved with this plan. I had made all payments on-time as a direct draw from my account, and to my knowledge had not missed a disbursement to the credit counseling service. Further supporting this, is that none of my other creditors reported a delinquency of any kind, only Barclays.

I attempted to resolve this situation initially with the XXXX XXXX XXXX. The representative stated that she was unable to gain any additional information about how this could have happened, and sat on hold with Barclay several times for an answer to no avail. Further complicating this issue regarding records, XXXX XXXX XXXX was acquired by another company ( XXXX XXXX XXXX ) during this time.

I personally contacted Barclays to resolve the issue, and the representative was not able to assist and suggested I open a dispute with the credit bureaus. I did this as advised, and nothing positive resulted, just that they believed the information was correct and that was the end of it. No one will coordinate on my behalf to resolve this situation, and no one is willing to provide their proprietary information so that I can move forward with other repair actions.

I have no idea how this missed payment occurred, and only for one creditor, when I made all of my payments on-time. No one is able to provide me answers, yet I have 6 months of 30 day missed payments for Barclays, which has absolutely devastated my credit reports, and caused me severe financial harm.

This is my last attempt at recourse before I begin legal action with both companies. If it was a mistake on the part of either of these organizations, I require that these delinquent payments removed from my credit reports as quickly as possible to restore my financial well-being. However, if I was truly at fault, I would like to see evidence of it and how it occurred, as my payments were managed by a third party the entire time.
Product: Debt collection

Subject : Request for Debt Validation under the FDCPA and the Florida Consumer Collection Practices Act CKS FINANCIAL - XXXX Dear CKS FINANCIAL, I am contacting you regarding the alleged debt mentioned above. This is a formal notice under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g to request validation of this debt.

Pursuant to my rights under the FDCPA, I am requesting the following : Debt Collection License Information : I would like more information about your company before discussing the debt with you. Does your company have a debt collection license from my state? If not, please indicate why. If so, please provide the license date, the name listed on the license, the license number, and the name, address, and phone number of the state agency that issues the license. 

Debt Validation : Detailed evidence of the existence of the debt, including the original signed contract supporting the payment obligation, complete account history, and any documents showing that you are legally authorized to collect this debt. 

O

riginal Creditor 's Name and Address : Please provide the name and address of the original creditor, as well as any agreement or contract signed by me, confirming my legal responsibility for the debt.

Itemization of Charges : A detailed description of the amount owed, including any interest, additional fees, or costs that have been added to the original debt.

Proof of Authority to Collect : Documentation showing that you have the authority to collect on behalf of the original creditor and that the debt has not been settled, sold, or transferred to another creditor.

Pursuant to Section 1692g ( b ) of Title 15 of the United States Code, until the debt is validated, no further collection action will be taken, including negative reporting to the credit bureaus. 

Finally, I also request that any future communication regarding this matter be in writing and sent to my address. Pursuant to law, I expect your response within 30 days of receipt of this letter.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX Equifax and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's Equifax and XXXX inaction violates federal law and my rights as a consumer.
Product: Credit card

I used my American Express card to book a international flight on XXXX airlines with the flight originating in the USA. Shortly after takeoff the passenger sitting behind me began to show signs of severe illness. XXXX. I repeatedly asked him to stop and cover his mouth as he was spraying me with his XXXX. After no compliance i contacted a flight attendant who forcibly moved the passenger to a vacant aisle in the back of the plane away from passengers seeing that he was very sick. 

An hour later he was back sitting behind me continuing his actions. The flight attendant ordered him to move repeatedly and then gave up. 

While reporting it in XXXX at the XXXX desk I was told in order to file a dispute I would need to go to the XXXX police and file a report in XXXX which is a lie as the flight originated in the USA. They then cited the contract of carriage however I am pretty sure they are required to ban visibly ill people from flying so was moot and they did n't do anything further. 

I then contacted American Express to dispute the charge. American Express did not follow up and the airline kept my money and severely endangered my health. 

Under US criminal law spraying people with XXXX is classified as assault and in some cases assault with a deadly weapon. XXXX did not ensure my safety and were severely negligent a case has already been filed with the CFPB and American Express 's response was not satisfactory. American express has no right to keep my money per violation of the purchasing agreement which insures my safety during a course of travel. It is inferred by all reasonable means that all passengers are entitled to safety and that the airline staff will take all necessary acrtions. I will be filing a criminal case in the next week against American Express and XXXX. This is clear fraud. 
Issue Transaction issue
Product: Credit reporting or other personal consumer reports

I filed bankruptcy in XXXX, all of my debts were discharged with that bankruptcy. I have not used my name, or ssn to obtain credit since that time. I've recently been exploring buying a home, and needed to check my credit to see what my current status was, and discover all of these charged off accounts, that were created after my bankruptcy. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of First Delinquency XXXX XXXX Charge Off Amount {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of First Delinquency XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of First Delinquency XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX Original Creditor Name XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

After contacting Chime numerous times regarding the closure of the account I have been advised of several violations from unusual activity to a {$38.00} balance. All attempts to gain information and rectify the account have been met with departmental transfers, call disconnections, and hostile agents and supervisors. Chimes inexplicable actions have negatively impacted my credit score and resulted in this complaint.
Product: Student loan

I have been dealing with a company called nelnet. I have applied for loan forgiveness. I have submitted the aplication 3 times. Every time they have denied the application. Even though I have provided the required documentation. They wait exactly 45 days and then deny it. They send me a letter asking me to submit something else. This company is garnishing my   XXXX   XXXX    XXXX  benefits as well as my federal tax return. This is been going on since early  XXXX . They attempted to notify me back in  XXXX . I was in   XXXX   XXXX   hospital in   XXXX   XXXX  . I was also   XXXX   XXXX   XXXX   for several weeks. I did not have a chance to respond to the garnishment letter. Nor did I receive it. They are refusing to stop the garnishment. Every time I call I get different answers. I have made several reasonable attempts to work this out with them. However they refused to do so
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX I purchased through Affirm a product I ultimately returned due to not being what I expected and the return was made within the merchants return window however the merchant has not refunded my money even though I returned the item as told and when I opened a dispute with the lender they did not ask me for any information and just closed the case in the merchants favor
Product: Credit reporting, credit repair services, or other personal consumer reports

i traded my lease to purchase a new car back in 2017,,, before anything could happen i had dealership pay off my lease,,, so i called hyundai capitol of america who had my lease and requested the payoff and the dealership paid it in a check... 
1 month later i get a bill in the mail for additional fees for the lease,,, but i had already paid them with the payoff of the lease, but i did pay it... 
on my experian credit report is showing i paid this lease 8 months late, so i disputed this with experian saying i never paid 8 months and sent a copy of check dealership sent hyundai... 
i already took a awful hit on my credit XXXX XXXX years ago, and now experian is hitting my credit score again!!!

i have disputed this on this site 2 other times, when will this be behind me after all these years!!!

thx
Product: Credit reporting or other personal consumer reports

An account with XXXX is now more than XXXX XXXX XXXX and despite my many attempts and disputes with all credit bureaus and writing letters about this account, my credit profile remains unchanged and every time it is simply updated. I am sick and tired for not being able to resolve this issue with this reported account. I need this account removed from my credit profile. It is past the statute for debt in the state of XXXX