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

I ran my credit recently to start generating credit and see someone else has been using my credit before I even got the chance to. I have no knowledge of these accounts nor did I give anyone access to any of my personal information. Below are the accounts. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ( XXXX ) XXXX-XXXX amount {$1200.00} opened-XX/XX/XXXX ( 4 yrs, 1 mos ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ( XXXX ) XXXX-XXXX amount {$250.00} opened-XX/XX/XXXX ( 3 yrs, 10 mos ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ( XXXX ) XXXX-XXXX amount {$320.00} opened- XX/XX/XXXX ( 3 yrs, 4 mos ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX XXXX ( XXXX ) XXXX-XXXX amount- {$0.00} opened-XX/XX/XXXX ( 5 yrs, 3 mos ) XXXX  XXXX   XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXX amount- {$370.00} opened-XX/XX/XXXX ( 5 yrs, 6 mos )
Product: Money transfer, virtual currency, or money service

- XX/XX/XXXX received notice from a lender because of form IRS XXXX pursuit lending notified had outstanding balance of XXXX with IRS XXXX XX/XX/XXXX researched that evening and knew I had paid and found out on XX/XX/XXXX chase improperly withdrew funds and paid TD bank and endorsed to an individual called XXXX XX/XX/XXXX called that evening and spoke to XXXX told me need to fill out unauthorized endorsement and claim would not start until filled out and faxed from branch - XX/XX/XXXX filled out police report - XX/XX/XXXX Same day went to XXXX XXXX XXXX and emailed and faxed- confirm by team member - XX/XX/XXXX called claims did not receive- NO ANSWER same message XXXX days and XXXX days to conclude and see what the claim will be - XX/XX/XXXX claims by phone still did not receive and suggested email from branch to supervisor and upload the file via email - XXXX on phone lso told to fax document from IRS from penalty and fees, called IRS can not do anything it is not their fault and can only fill out a document after to waive the penalty - XX/XX/XXXX phone claims received document but said missing marked check told to check the appropriate box - XXXX Checked the right box and faxed with branch manager in in XXXX and told to fax again and I did check mark XXXX XXXX called again claims by phone said they saw paperwork but did not see check mark - XXXX went to branch and had XXXX verify received and check marked - XXXX spoke with XXXX XXXX XXXX and XXXX handling case - XXXX XXXX confirmed that claims did not receive proper documentation XXXX XXXX took another week until XXXX for XXXX to speak to branch manager XXXX - XX/XX/XXXX spoke to XXXX she confirmed on XX/XX/XXXX info was sent to TD bank but can not insure for the interest owed to the IRS said she would speak to managers and get back to me and that the case now may take 120 days to event resolve and not even guarantee funds will be retuned - XXXX filled with XXXX for XXXX ID FOR COMPLAINT SENT TO XXXX XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX Filed a complaint with attorney general # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX, XXXX Account # 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, credit repair services, or other personal consumer reports

I was taking advantage of after several of practices were broken under FCRA by your company. You have hurt my ability to obtain credit. I can get a sba loan due to practice being broken by your company under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting that I have a chapter XXXXI have never filed a chapter XXXX and they said that it was open XX/XX/2019 and XXXX on XXXX XXXX.I called them and they are trying to put the blame someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this as a formal complaint against Equifax for not investigating and removing the errors and inaccuracies from my credit report. Equifax has violated my privacy and my rights under the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit reporting agencies required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. Under the FCRA, unverified accounts must be removed unless they are able to provide me a copy of verifiable proof which they have yet to do after multiple requests. I've never even heard of most of these companies or the inquiries attached to my report so I would like verifiable proof in the form of a signed contract that these are mine. Please see my attached disputes previously sent to Equifax and help me get these deleted from my credit report.
Product: Debt collection

XX/XX/XXXX goodleap emailed me various times after I repeatedly told them to stop contacting me, the contract is defaulted because XXXX XXXX filed XXXX  and now they keep harassing me to pay it off, they even went as far as sending people to my house to try to scare me
Product: Checking or savings account

BETWEEN XXXX OF XXXX AND XXXX OF XXXXXXXX XXXX XXXX XXXX  / CHASE BANK ACCOUNT WAS HACKED AND I HAD OVER {$5000.00} TAKEN FROM ME AND I HAD NO IDEA AS IT DIDN'T SET OFF ANY ALERTS AND CHASE OR XXXX  DIDN'T ALERT FOR ANY POSSIBLE FRAUD I REACHED OUT TO CHASE ON XX/XX/XXXX THEY DID AN INVESTIGATION BUT CAME BACK WITH BARELY ANYTHING FOR ME AND I CAN'T BELIEVE THEY DID ANY KIND OF INVESTIGATION OR FRAUD FOLLOW-UP AS A BANK SHOULD. 

THEY TOLD ME THEY COULD ONLY HELP FOR A SHORT TIME AND GAVE ME GET THIS {$20.00} BACK. 

CHASE WHO HAD NOT SECURELY MESSAGED ME OR ALERTED ME TO POSSIBLE FRAUD AT ALL WAS NOT HELPFUL IN THE MATTER AT ALL IN THE LONG RUN NOT ONLY WERE THEY NOT ABLE TO HELP BUT THEY ALSO DELETED THE RECORDS FROM SECURE MESSAGING AND NOW I CAN'T ACCESS WHAT THEY SAID EVEN THOUGH IT WAS ONLY A FEW MONTHS AGO AND THEY HOLD RECORDS ON SECURE MESSAGES SO THEY SAY FOR 90 DAYS. I HAD A COUPLE PICTURES AT LEAST THAT I CAN SEND ALONG BELOW CHASE REFUSED TO HELP AT ALL IN PERSON, ON PHONE OR EMAIL. THEY WERE NOT INTERESTED IN ANYWAY. THEY EVEN TOLD ME " YOU'LL GET IT BACK BUT WILL TAKE TIME AND HAVE TO DO A FRAUD REPORT AND INVESTIGATION '', AND NO THAT DIDN'T HAPPEN IT WAS A TERRIBLE EXPERIENCE I'VE NEVER BEEN TREATED WITH SUCH LITTLE CARE BY A BANK. 

AT THIS POINT I EVEN START TO THINK SOMEONE AT CHASE DID THIS TO ME
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been paid to a XXXX balance. 


COMPASS BK Last reported : XX/XX/XXXX {$12000.00} Good Overview You've paid off 35 % of the original amount. 
Balance {$12000.00} Highest Balance {$20000.00} Monthly payment {$380.00} Opened XX/XX/XXXX ( 2 yrs, 6 mos ) Term 72 months
Product: Credit card

I rented a car in XXXX, XXXX XXXX on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for an XXXX rental period. On XX/XX/XXXX, after return of the rental car, full payment was made of XXXX {$320.00} on my Barclays Credit Card. However, on XX/XX/XXXX, an additional unauthorized charge of XXXX {$1100.00} was made by XXXX XXXX to the same credit card for alleged violations of the contractual terms. I opened a dispute case after this charge was posted ( Barclays Case # : XXXX ). After both sides presented their accompany documentation and facts and after conducting their investigation, Barclays stated in their final letter to me, After conducting our investigation, we have determined that you are not responsible for the reported fraudulent activity ( see attached Barclays letter dated XX/XX/XXXX ). A recredit was subsequently posted to my account. I thought the matter was closed, however, on XX/XX/XXXX, two new charges were posted on my Barclays credit card account in the sum of XXXX {$1100.00} each by the merchant ( was past the 60 day time limit to resolve matter ). I notified Barclays of the issue and have been calling their customer service to resolve this matter. Each time the information changes but I was informed by Barclays XXXX XXXX the matter would be resolved. On XX/XX/XXXX, I talked to XXXX ( Barclays XXXX ID : XXXX ) in their XXXX XXXX. He informed me that both XXXX charges for XXXX {$1100.00} will be re-credited within XXXX business days. However, on XX/XX/XXXX, when I called to check on re-credit, I didnt get clear resolution. I would like to exercise all my available consumer rights to resolve this matter expeditiously and in finality under applicable protection laws. Barclays has not promptly credited the amounts owed on my account ( charges have been charged and then re-credited multiple times ) and is in violation of consumer financial protection laws. You can reach Barclays XXXXXXXX XXXX at XXXX XXXX XXXX. Thank you for your assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I use to owe XXXX XXXXXXXX XXXX credit card. XXXX sold my account to a credit collection agency. I called the collection agency and I paid the collection. So iXXXX is now paid in full. I tried disputing with all the credit agencies to take it off and or list it as paid in full in my credit report. It's still reporting negative and showing I owe when I paid it off. After disputing multiple times I called the collection agencies and they stated that when I dispute the account they contact XXXX  and XXXX reports negative information. I contact XXXX and they stated they can only report whatever they been reporting when the account went u to collection. They can't report I paid it. They said they do f have authority to report anything, the collection agency they sold it to has to report I paid the account. I contacted the credit agencies back and they stated when I dispute they don't contact the agency my account was sold to, they only contact XXXX because it's XXXX credit card. I uploaded and mailed all agencies copy of my receipt. There are still negative XXXX  remarks on my report and it's not stating " paid in full ''. I'm getting the run around and I submitted proof and disputed multiple times.
Product: Payday loan, title loan, personal loan, or advance loan

I was charged late fees from the start of my loan and i was not late and then they have took double payments and chargen me very high interest rates and i am a XXXX veteran on a fixed income
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXX/XX/year> I do not recognize this hard inquiry and would like it removed
Product: Debt collection

i recently disputed an alleged debt of XXXX that i don't owe from FIRST CREDIT SERVICES ON XXXX XXXX, USPS TRACKING # XXXX XXXX XXXX XXXX XXXX XXXX. It was delivered on XXXX XXXX  @ XXXX XXXX XXXX.I haven't seen anything within the XXXX   days time limit and i am requesting deletion of this item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received 2 unauthorized hard pulls in XX/XX/ 2020 on my credit report from you all. They need to be removed immediately.
Product: Credit card

Two weeks ago, I received an email from Capital One credit card company. The email said you have been invited for a credit card and you can apply WITHOUT NO HARD INQUIRY TO YOUR CREDIT PROFILE. Because it said no hard inquiry I went through the approval process. They sent an email saying I have been approved and then DID NOT wait for my consent and instead they sent me the credit card notification that now I have the credit card. I never gave consent! So they fraudulently did a hard inquiry which negatiively impacted my credit and then when I called today to complain and say why did you all send the card through without my consent. It wasn't even for an amount that is worthwhile to me ( {$500.00} ). I want you all to fix this. They took a few minutes to come back and say they couldn't increase it to a worthwhile amount if I desired to keep it and there was nothing they could do but cancel the card if I choose. So I said cancel and I'm reporting it to CFPB about your fraudulent behavior. Now there will be another negative hit on my credit profile. This company is a fraud and are exploiting customers. I am requesting investigation and that the hard inquiries both be removed from my credit profile.
Product: Debt collection

In XX/XX/XXXX, we were first notified in writing of a debt collection agency was pursuing a debt owed on a credit card account of {$1700.00}. The notification from the debt collector, XXXX XXXX XXXX ) was the first instance of ever being notified that an account existed and that there was money owed on the account. Based on the info I received in this notification, I contacted Citibank/BestBuy who line of credit was opened through and was hung up upon. I then checked the three credit reporting agencies and confirmed that no line of credit was ever open with Citibank/BestBuy. The only record of this line of credit is when XXXX XXXX XXXX, began to work in pursuit of collecting the debt and reported the collection to the various bureaus on XX/XX/XXXX. There is no record of ever opening this line of credit with Citibank/Best Buy, incurring the debt from Citibank/Best Buy, or being notified of the debt from Citibank/Best Buy before the account being sent to XXXX. I have continued to respond in writing to XXXX and their legal team ( XXXX and XXXX, P.C ) and repeatedly have asked them for the signed authorization when the line of credit was opened and the purchase that created this debt. I have only received an Account Statement from Best Buy from XX/XX/XXXX that shows the amount owed {$1700.00} it is not the statement showing the original purchase, and nothing has ever been provided showing the line of credit authorized to be open. I will add that the address on this statement is a home address that I have not lived in for over 10 years which is very alarming and concerns me that this could be fraudulent as well. There is potential that this line of credit was opened fraudulently, but I'm unable to file a police report as I have nothing to show that this line of credit even exists. The last written correspondence from XXXX ( XX/XX/XXXX ) states that they have received and reviewed the dispute but they still feel the debt is owed. I do not owe this debt. My credit report can serve as evidence that the account was never opened, and Citibank/Best Buy/Cavalry have yet to provide any of the requested documentation.
Product: Credit reporting or other personal consumer reports

Personal Information was leaked in Data Breach an I have unknow inquires on my credit unknown resources and I contacted them and They gave ma a time frame and Did Nothing. This has cause my credit to drop Drastically. My Husband Credit as well XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX Account # : XXXX I was never late 30, 60, or 90 days late in the months of XXXX, XXXX and XXXX.
Im not sure how this happened, I have alway made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

. I submitted dispute letters to XXXX, Experian, and XXXX  notifying them of the accounts that did not belong to me on XXXX I have yet to receive a response or credit report. The bureaus are in violation of my consumer rights. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). The disputed items are entirely inaccurate and represents a very serious error in reporting.
Product: Checking or savings account

Ally Bank closed my   XXXX   and  XXXX  account on   XXXX   XXXX   against my wishes. They claimed my address was not a physical address and cited the PATRIOT ACT as the reason they had to close my account.      But I have a physical address on file with Ally and always have. At best, this was caused by a mistake in their physical address database. They refuse to acknowledge their error or re-open my account.     Although they eventually returned my funds, I suffered over {$200.00} in fees and penalties by having nearly {$8000.00} suddenly withdrawn from my account ( a day before I pay most of my bills  )  and distilled to a check that was not returned to me for several weeks.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurate information. The consumer reporting agencies have need to report all information with complete accuracy. On this account I have a status of pays account as agreed on my Equifax and paid or paying as agreed on my XXXX, both stating my payments to this account have been in full and on time each month as per the terms of the agreement with the creditor. Yet I had a late payment falsely reported when I in fact paid on time. 
Ive attached a copy of my report to this complaint showing an inaccurate late payment reported on the following date, XXXXXXXX XXXX. This account is also reporting open on my XXXX, and closed across the other XXXX bureaus. Please reinvestigate this matter and contact the nationwide credit bureaus to have them remove the late payment to reflect a paid on time and never late status and update my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple disputes to both XXXX, Transunion and XXXX in which Transunion and XXXX  are reporting duplicate accounts with different open dates, and balances which is significantly damaging my credit history. These accounts were disputed and also copies of the credit report were sent into to them as well. I asked them for proof that the company even responded to them and for proof of what was used to determine this information was verified as accurate and I have yet to get that information. 

XXXX continues to report inaccurate, unverifiable information as well.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX, XXXX concerning their reporting of unverified, unauthorized, and inaccurate information on my credit report. While I appreciate XXXX 's cooperation in updating incorrect information such as names and addresses, I believe that XXXX is still in violation of the Fair Credit Reporting Act ( FCRA ) by reporting unverified and unauthorized information. 

My complaints against XXXX are as follows : Reporting Unverified Information : XXXX has reported information on my credit report that has not been verified by me, including accounts from XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have not validated or given permission for XXXX to include this information on my report. The unauthorized inclusion of such information goes against the FCRA, which stipulates that consumer reporting agencies can only report information with the consent of the consumer. 

Violation of My Right to Control My Credit Report : My rights as a consumer include having control over the information on my credit report. By including unauthorized information, XXXX is infringing on my ability to maintain accurate and truthful credit information. 

I kindly request that XXXX addresses these issues by ensuring that they only report verified and authorized information in accordance with the law. I also request that XXXX removes the unauthorized and unverified information from my credit report immediately and remains vigilant in complying with the FCRA and related consumer protection laws. 

In support of my complaint, I cite the relevant legal provisions and a court case : FCRA Section 1681b ( f ) outlines the responsibilities of consumer reporting agencies regarding the use and reporting of consumer information. 

The case of XXXX v. Equifax Information Services LLC, 2017 WL 2832941 ( S.D. Fla. 2017 ), emphasizes the importance of accurate credit reporting and the responsibility of credit reporting agencies to ensure that information is both accurate and verifiable.
Product: Vehicle loan or lease

I got a car back in XXXX and I have been paying on it for years, during covid XXXX XXXX XXXX XXXX XXXX XXXX XXXX I fell behind on payments they continued to keep adding payments and fees to the amount, my original loan was for XXXX XXXX and some odd dollars, i have paid XXXX $ for this car in total. well over the amount that should have been paid for this vehicle. this vehicle was a XXXX XXXX with XXXX miles and a blown radiator. I was tricked into a horrible contract which i have well paid for with my hard earned money! they since have added XXXX $ more in addiction to my loan and now repossed my car and caused further damage, i feel like i have legally been robbed. this company refuses to work with people they are inhumane and i was hung up on several times. the company has done absolutely nothing to help. They are ruining my life for a XXXX vehicle that's technically paid off!
Product: Credit reporting, credit repair services, or other personal consumer reports

I got off the phone with both Chexsystems and XXXX XXXX They have stated that they have verified this account as accurate. However, they clearly have not conducted their own independent investigation because of a blantant errors on my reports with each of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of account which does not belong to me or were opened without my permission. XXXX XXXX According to FCRA Section 605B ( a ) the Experian shall block 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.