23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX XXXX with no successful resolution. XXXX is the only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX/ XX/XX/XXXX.
Product: Vehicle loan or lease

I leased a XXXX XXXX with Chase Auto . 

Before the lease ended I applied for a loan to purchase the lease. 

The loan was granted and the XXXX dealership who handled this transaction mailed a check to Chase Auto to pay off the Lease.

The check was cashed by Chase Auto but they applied the check to the new loan that was a few days old and NOT to the lease payment.

The result is that I have been making payments against the loan, but the lease is now overdue because Chase never allocated the payment.

I have tried for 6 weeks to resolve and Chase Auto can not resolve my account to show correctly.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT.I CHECKED MY CREDIT AND I SEE SOME UNAUTHORIZED FRAUDULENT INQUIRIES ON MY REPORT.I NEVER GAVE ANYONE PERMISSION TO RUN MY CREDIT.PLEASE HELP ME TO REMOVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING ACCOUNTS ARE FRAUDULENT I WANT THEM BLOCKED AND REMOVED FROM MY CONSUMER REPORT I DID NOT GIVE MY WRITTEN CONSENT TO FURNISH ANY NEGATIVE AND FRAUDULENT ACCOUNTS ON MY PROFILE THIS IS INFRINGEMENT UPON MY RIGHTS PURSUANT TO 15 USC 1681 ( B ) AND THE XXXX XXXX XXXX XXXX AM DEMANDING THESE ACCOUNTS BE REMOVED FROM MY CONSUMER REPORT OR I WILL COUNSEL WITH MY LEGAL TEAM FOR SUIT XXXX : XXXXXXXX XXXX  XXXX XXXX DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and submitted all information on XXXX AND again in XXXX because the identity theft items were purchased which is against FCRA laws. As you can see in the XXXX affidavit, XXXXXXXX XXXX was listed and now in XXXX i am now faced with purchased identity theft debt. The information attached, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. It also includes violation of my consumer rights. If these Identity theft accounts were mine, I didnt give these companies the permission to report or sell any information you have on record. So because my rights and privacy is being violated. I am demanding you follow the law and remove/block any information that I have identified as being a result of identity theft. Again not later than ( 4 ) business days after the receipt of such information I have provided to you. 
[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B ( USC 1681A ) of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Also section 605B ( USC 1681c-2 ) ( a ) Clearly states : 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 ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
As you can see, it states from an alleged identity theft and it gives 4 items that must be submited to the credit agencies for identity theft. Not one of these items states a police report must be included. That within itself is in violation of my consumer rights. 
I am provided the following per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  A copy of my Identity Theft Report from the FTC Report and proof of my identity. 
Completed and Notarized Identity Theft Affidavit Copy of my Identification Proof of residence Again, Section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
The accounts, collections and inquiries are listed on the next page and also listed in my FTC Report and Affidavit. This is not a request for an investigation. This is Identity Theft and by If by any reason you decide not to block or remove. I will be moving forward with a lawsuit for violating my FCRA and Consumer Rights for each identity theft account listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries on my credit report under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), due to my status as a victim of a data breach. I am exercising my right under these laws to have fraudulent information removed from my credit report. 
The following accounts have been identified as unauthorized and fraudulent : XXXX. XXXX XXXX XXXX Account # XXXX Date : XX/XX/XXXX Balance : {$810.00} XXXX. XXXX XXXX Account # XXXX Date : XX/XX/XXXX Balance : {$960.00} XXXX. XXXX XXXX Account # XXXX Date : XX/XX/XXXX Balance : {$3100.00} XXXX. XXXX XXXXXXXX Account # XXXX Date : XX/XX/XXXX Balance : {$1200.00} XXXX. XXXX Account # XXXX Date : XX/XX/XXXX Balance : {$960.00} XXXX. XXXX SELFREPORTED Account # XXXX Date : XX/XX/XXXX Balance : {$17.00} XXXX. XXXX XXXXXXXX Account # XXXX Date : XX/XX/XXXX Balance : {$410.00} XXXX. XXXX SELFREPORTED Account # XXXX Date : XX/XX/XXXX Balance : {$200.00} Additionally, I request the removal of the following unauthorized inquiries : XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX OF XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX
Product: Credit reporting 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. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 or other personal consumer reports

I recently reviewed again my XXXX, XXXX and Transunion credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Debt collection

Portfolio Recovery Associates XXXX XXXX XXXX of the debt collection company sent several letters in the past demanding payment I refused to release any finance stating that there is no debt, I don't have a contract with them ( PRA ) and asked them to produce the contract then PRA had their law firm XXXX XXXX XXXX send me a threatening letter saying that they will garnish my wages take possession of my automobile etc and delivered another saying that the account is in litigation and then delivered a citation to my door from XXXX of their employees of a Debt claim saying that I have 14 days to respond So within XXXX hours I made copies of rebuttal which included an XXXX XXXX XXXX XXXX XXXX warranto etc rebutting the alleged claim of debt to XXXX XXXX XXXX and XXXX XXXX 's attorney XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX received a letter from XXXX XXXX XXXX saying that their XXXX has not had sufficient time to complete the investigation in other words they can't produce the contract and that they are a foreign for profit engaging in human trafficking I've suffered immensely health wise for this ordeal and I want financial compensation for what PRA /PORTFOLIO RECOVERY ASSOCIATES put Me through
Product: Debt collection

I called to Business and Professional Collection services due to an energy bill ON MY CREDIT REPORT. 

I told them I was willing to pay the balance if they delete from my credit report just because I never got any letter or documentation about this debt, either a proof of this debt. The representative informed me THEY JUST DON'T HAVE IT, I was in shock since how is possible that a collection agency open a collection without proof of debt. 

Also I was informed the address of service for this bill was the XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX, I was living in that address but NEVER IN THAT APARTMENT NUMBER. 

I request them proof of the debt ASAP, they said they will investigate if exist a proof of the debt and mail it to me.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, and XXXX have failed to fulfill its legal obligation under the FCRA to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or incomplete items unresolved. The consumer financial protection bureau has recently filed a lawsuit against XXXX alleging systemic issues such as failing to adequately notify consumers of disputed information outcomes. These failure align with my experience where these bereaus have 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 the inactions violate the federal law and my rights. Please remove the below accounts immediately : XXXX XXXX XXXX - {$470.00} XXXXXXXX XXXX XXXX {$480.00} XXXX XXXX XXXX  {$480.00} XXXXXXXX XXXX - {$530.00} XXXXXXXX XXXX  - {$600.00} XXXX XXXX XXXX {$650.00} XXXX XXXX  - {$690.00} XXXX XXXX XXXX - {$690.00} XXXX XXXX XXXX - {$1600.00} XXXX - {$4400.00} XXXX  - {$1200.00} XXXX XXXX - {$970.00} XXXX XXXX XXXX XXXX {$390.00} XXXXXXXX XXXX XXXX  {$1300.00} XXXX  - {$3700.00} XXXX XXXX {$7500.00} XXXX XXXX XXXX {$52.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX {$740.00} XXXX XXXX  - {$900.00}
Product: Debt collection

They are trying to collect a dept that I do not owe and wish for them to take it off my credit
Product: Checking or savings account

XX/XX/XXXX : {$10000.00} deposited to XXXX account XX/XX/XXXX : Purchased cryptocurrency XXXX, attempted to send to my own wallet, denied access to this by robinhood. 
XX/XX/XXXX : Converted cryptocurrency XXXX back to USD, attempted to withdraw back to my bank account since XXXX was not letting me use their platform. WIthdrawal request denied for the reason : " Can only withdraw back to the same bank account it was funded from '' <- This is a lie, as the account I was withdrawing it back to was the exact same bank account I used to fund that account. 
Contacted support, there was XXXX phone support, just a recorded message telling me to use the " live chat ''. XXXX took XXXX hours to respond to my message then " ended the chat since I seemed to have stepped away '', I was not instantly available XXXX after submitting my request. 
After a couple more backs and forths with their support, they noticed I managed to withdraw {$100.00} ( out of {$10000.00} ) and decided that was job well done and closed my entire support request, not letting me respond any further. 
Withdraw {$300.00} from Robinhood to my bank account XX/XX/XXXX : Withdraw {$1000.00} to my bank account, any higher than this amount would fail XX/XX/XXXX : Withdraw {$1000.00} to my bank account XX/XX/XXXX : Withdraw XXXX transactions {$1000.00} and {$1000.00} to my bank account. 
Account was restricted on this day with still {$5600.00} in the account. 
I received a " call '' from XXXX, answered the call and was instantly put on hold, excuse me what? You are the ones who called me, how can I be put on hold for answering the phone? 
Waited approx XXXX minutes and eventually hung up since I was in the middle of something. XXXX instantly send me an email saying " We tried to call you on XX/XX/2024 ''. 
Now I am unable to even contact support. If I try to go to live chat, my only option is to " Request a call '', something I have done multiple times over yesterday and today, with no communication from XXXX about why the account was restricted, nor what I can do to resolve the matter.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, SYNCB/TJX DC has not provided validation information under 12 CFR 1006-34 ( b ) ( 5 ), but yet they placed an inquiry in my consumer report.

I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ) Consumer agency is violating my consumer right by using false misleading, misrepresentation and deceptive means.

This Consumer agency has no authority to furnish any account to any consumer reporting agencies without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A )
Product: Credit reporting or other personal consumer reports

Request for Correction of Inaccurate Credit Report Information I am writing to bring to your attention certain inaccuracies in my credit report that need immediate rectification. The following details on my report are currently incorrect : Corrected - XXXX XXXX XXXX Date of Birth : Corrected - XX/XX/ Address : Corrected - XXXX XXXX XXXX XXXX, MI XXXX I kindly request that you promptly update my credit report with the accurate information provided above. Any other discrepancies in my report should also be thoroughly reviewed and corrected as necessary. 

Your swift attention to this matter is greatly appreciated, as it is vital for me to have an accurate credit report for various financial transactions and opportunities. Please inform me of the progress and the anticipated timeline for these corrections. I can be reached at [ Your Contact Information ] for any further clarifications or updates. 

Thank you for your prompt assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

this person attempted to collect an unpaid bill from XXXX of our vendors. during conversations, we made arrangements with the vendor directly. they accepted our arrangement and now we are being threatened and harassed everyday by this person. he is also calling our other vendors and harassing them. we have explained to him we have settled this with our vendor and they still are harassing us and our other vendors which is now disrupting our business.
Product: Debt collection

I am writing to bring to your attention a matter of utmost concern regarding my credit report. On XX/XX/XXXX, I received a notification from XXXX XXXX informing me of a new collection account on my credit report.The collection agency is identified as Jefferson Capital Systems, and the original creditor is listed as " XXXX XXXX '' The reported amount is {$2500.00}, and the account was allegedly opened on XX/XX/XXXX. 

Upon receiving this notification, I took immediate action to investigate the validity of this collection account. I contacted XXXX, as XXXX and XXXX merged in XX/XX/XXXX. XXXX informed me that they could not find any information regarding this collection account. The only record they could locate was a phone line I had with XXXX in XXXX, XXXX years ago. However, they confirmed that I canceled this account voluntarily to switch to XXXX XXXX XXXX with whom I have been a customer since then. 

To further clarify and resolve this matter, I visited the XXXX XXXX and spoke with a representative who attempted to contact the relevant parties to assist me. Unfortunately, they were unable to obtain any information related to the alleged collection account. 

In an effort to validate the legitimacy of the debt, I contacted Jefferson Capital Systems and requested proof of ownership and details about the debt in question. Regrettably, my experience with their representatives was less than satisfactory, as they were uncooperative, rude, and failed to provide any substantive answers. 

I want to emphasize that I have no knowledge of the collection account in question, and it is affecting my credit score adversely. I am concerned about the potential harm to my creditworthiness and financial standing due to this inaccurate and unverified information. 

I kindly request that you initiate an investigation into the legitimacy of the collection account reported by Jefferson Capital Systems on my credit report. I am confident that a thorough examination will reveal the inaccuracies and discrepancies in their reporting. I also request that you take the necessary steps to rectify this situation promptly and remove the unauthorized collection account from my credit report. 

Thank you for your assistance in rectifying this situation and preserving the accuracy and integrity of my credit report.
Product: Mortgage

I originally tried to workout payment plan details with my mortgage provider, XXXX. XXXX would not work with me on payment arrangements. I tried calling multiple times. Greentree took over servicing for the loan and would also not work with me on payment arrangements. At this point, Ditech Financial LLC took over servicing, and still would not allow payment arrangements with me. It is now effecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had a thief happen some years back things still pop up. There's so many things wrong on my report, Im not sure who it belongs to never got that far. Inquiries I have no idea how they are being generated but a lot of them have been reinserted on my report. Inquiries listed below are inaccurate, please help me deal with my discomforting situation. 
1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX 8. XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I applied for the Apple Card twice with Goldman Sachs and received an adverse action letter dated XX/XX/XXXX and XX/XX/XXXX. I called Goldman Sachs today, XX/XX/XXXX, and spoke with XXXX, XXXX and XXXX. XXXX is the XXXX for Customer Relations. I asked all 3 representatives to let me know what laws and procedures were followed in order to come to the determination of my application and they all stated they didn't know exactly so they all stated that the decision was based off of what was in my " credit report. '' I then asked her to provide me with the subsection that was used so that I can study it for myself. I also asked for them to provide me with the law that says I have to abide by the credit score/information that they choose to use or that the transaction even needed to be reported. She did not have an answer so I told her that the CFPB states credit reporting is OPTIONAL. XXXX and XXXX, both supervisors, stated that they can not overturn any decisions. I then asked XXXX all of the same questions that I asked before. XXXX then said Goldman Sachs has the right to approve or deny any application and I can apply again form redetermination based off my credit. I told her that he can not deny me my right to credit then I directed him to 15 usc 1602f and 15 usc 1602p. I told them that I can't be discriminated against for exercising my rights and they already used my credit card twice with no benefit to me. XXXX, XXXX and XXXX were acting as an authorized reps for Goldman Sachs and they, along with Goldman Sachs are now held liable for discriminating against me. XXXX stated that she would escalate this further and I advised her that Im escalating this myself as well.
Product: Money transfer, virtual currency, or money service

In 2018, I used XXXX to participate in the airdrop activity of the DFINITY project. During the activity, I paid 0.015 ETH to buy clothes! My wallet address is XXXX payment transaction voucher transaction hash address XXXX but I can not pass the XXXX authentication exchange.Today, 3 years later, I verified my identity on the COINLIS exchange. But I am not eligible for the DFINITY airdrop tokens. This is a very big mistake.The value of this airdrop in the current futures is about XXXX XXXX dollars. I contacted COINliST.CO. I sent an email. It has been rejected. My trading account on COINLIST is XXXX. I can provide all the proofs. I hope this problem will be resolved..