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

I have submitted XXXX complaints already with only responses " We apologize and are sorry. Most recent complaint is XXXX. 
In short to best help protect the consumer a credit freeze needs to be placed on all credit reporting agencies because of the not protected credit information. That cost the consumer money and Equifax should pay for it. That is what I am requesting. Please address the specifics in your response to my case and please explain how your plan is better to protect me from unauthorized accounts to be opened than to freeze at all agencies?
Product: Credit card

I urgently request an update to my account since I've consistently made timely payments. The current situation is causing me stress and concern.
Product: Money transfer, virtual currency, or money service

I transferred {$5200.00} from XXXX exchange to my coinbase wallet, which is advertised as instantaneous. However the money is not in my wallet or available.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}, {$1200.00}, {$0.00}, {$2400.00}, {$9100.00}, {$2600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 


-- AUTO LOAN OR LEASE 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9100.00} -This is not my account. 

6. XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account.
Product: Vehicle loan or lease

Lobel Financial has an account of XXXX reported to my credit without my information, only with my name, there is no information of mine in its system,
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.
Product: Credit card or prepaid card

On XX/XX/XXXX, I picked up a rental car from the car rental company XXXX at the airport XXXX XXXX in XXXX XXXX, XXXX. I had paid for the rental through a third-party website, XXXX. I told the agent at the XXXX desk that I would be using my credit card auto insurance and showed her a printout of the terms and conditions. She accepted that. She asked me for a credit card in order to place a hold on my account, that would last for the time of the rental. I gave her my Visa Chase card ending in XXXX. She told me she would put a hold on it in XXXX XXXX, which was the equivalent of XXXX XXXX. I signed the contract and the authorization for the hold. When I returned the car, on XX/XX/XXXX, the back of the car resulted a bit damaged because of a small accident I had had, so I paid for the planned repair, which amounted to USD XXXX. That amount was charged on the same Visa card. ending in XXXX A few days later, from home, I realized that not just the {$710.00} hold had not been released, but that since the day it was charged, XX/XX/XXXX, it had always been a permanent charge on my account, not a hold. I contacted the company, XXXX, who said that it was the amount I had been charged for purchasing their insurance. I explained that I had used my own insurance and had declined theirs, but they would not agree to refund the money. On XX/XX/XXXX, I disputed the {$710.00} charge with Chase. On XX/XX/XXXX, I received a letter from Chase saying that XXXX claimed that the {$710.00} charge was made to cover the cost of the car repair. I explained that the cost of the car repair had been charged to me separately on XX/XX/XXXX, and was {$290.00}, while the {$710.00} had been charged to my account on XX/XX/XXXX, that is 14 days BEFORE the small accident that caused the damages to the car. Furthermore, I said that on XX/XX/XXXX, when I returned the car, there had been NO mention of the {$710.00} in reference to the repair. Chase told me they would make to no further attempt to investigate this or to contact XXXX. 
After vainly attempting to contact XXXX in XXXX, on XX/XX/XXXX, I escalated the issue to the Chase Executive Office. On XX/XX/XXXX they responded with a letter that states that " there was no bank error ''. 
I called the Chase Executive Office and explained that I believe I was the victim of a fraud on the part of XXXX, which had no reason to charge me {$710.00}, and which extorted my signature by claiming that it was not a charge but a temporary hold. I said that I expected the bank to protect me from such a fraud. I asked the agent at the Executive Office whether someone from his office had contacted XXXX after I had escalated the issue, and he answered no. He said that he had reviewed the statements collected by his colleagues during the first phase of the dispute. 
I am convinced that Chase neglected its duties and failed to protect me, their customer, from a fraud.
Product: Debt collection

I am getting calls threatening to sue and take my property for a supposed payday loan that was not paid back years ago. They were very adamant on getting my credit card information right then to get my payment. I told them I would not give it to them without knowing who I am dealing with. They provided wire transfer details but never a physical address to mail payment, which made me feel uneasy because I was pressed to make arrangements to pay within XXXX days at that time. After researching the information provided I noticed that I had a couple other payday loans made after the date in question. I would not have been given another loan if I defaulted on a prior. These people have called my personal phone from different numbers from XXXX different states, and now a supposed attorneys office is calling my work.
Product: Credit card

An unauthorized inquiry appeared on my credit report. I contacted Discover about the inquiry and it was determined that the inquiry was fraudulent. I was told that the inquiry would be removed and have a letter from Discover stating the same. It 's been 6 months and the inquiry is still on my XXXX and XXXX reports.
Product: Payday loan

I borrowed a XXXX from Rise and I had planned on paying it back sooner than I did and I did pay them off, however I had missed a few payments with no charge off. The minute I paid them off they charged me off and will not update my credit that the loan is paid off. I had another collector call regarding the matter and I sent them the copy of proof of payment so that was the end of them calling. However RISE WILL NOT UPDATE MY PAYMENT OR DELETE THE CHARGE OFF WHICH WAS DONE AFTER PAYMENT WAS MADE.
Product: Credit reporting or other personal consumer reports

Equifax will not allow lenders to pull my credit report. There is no freeze, lock or fraud alerts on my credit file. As I attempt to open a bank account, either a bank can not pull my report, or they get an error that says, " This form produced by equifax -- -- -- consumer requested security freeze on his/her credit file -- -- -- Report unavailable. Equifax and affiliates. '' I have tried to pull it myself and I keep getting an error on XXXXXXXX XXXX XXXX, etc. No one is able to pull the file. This is causing a true hardship to me and my family. I have called equifax 14 times. I have spoken with managers and supervisors. none of them see any blocks or alerts that would prevent the file from being accessed. However, lenders are still not able to pull my report. I cant even open a simple bank account because of this. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 XXXX XXXX XXXX removed the closed account # XXXX from my XXXX report, but not from Experian or XXXX report. 

I'm requesting XXXX XXXX XXXX to include Experian and XXXX in the removal of my closed account # XXXX. Respectfully, XXXX XXXX XXXX
Product: Debt collection

I never received a letter from Americollect regarding the debt that they are reporting on my credit report. This debt was removed in 2016 and has been reinserted without me being notified in writing. The debt has never been validated. Americollect does not have a contract nor have they sent me a contract baring my signature binding me to their debt that they are illegally reporting on my credit report! This is a violation of the FCRA. The original creditor is XXXX XXXX XXXX. I have never received a debt validation letter from Americollect. I have not received a signed contract between Americollect and XXXX XXXX XXXX that grants Americollect to collect on this debt. Verification that this debt was sold or assigned to a debt collector. In US law encyclopedia the America jurisprudence 73 an Jur 2d Sections 90-93 it says that one can not subrogate onto a contract that they were not originally on and did not have any interest to protect and claim successor.
Product: Checking or savings account

Around the date of XX/XX/2023, I began receiving emails from the company Chime welcoming me to the company and informing me that I can begin sending my payroll to a Chime account. I have not signed up for this service nor have I previously had an account with Chime. For approximately four/five of the emails I received, I selected an option in the email indicating that I did not authorize an account to be opened. I have not received a response from Chime regarding this situation.
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. 


XXXX XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS CREDIT COLLECTION SERV XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX XXXXXXXX XXXX XXXXXXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS DEPT OF ED/XXXX - XXXX - {$0.00} - HAS VIOLATED MY RIGHTS DEPT OF ED/XXXX - XXXX - {$0.00} - HAS VIOLATED MY RIGHTS DEPT OF ED/XXXX - XXXX - {$0.00} - HAS VIOLATED MY RIGHTS DEPT OF EDXXXX - XXXX - {$0.00} - HAS VIOLATED MY RIGHTS DEPT OF ED/XXXX - XXXX - {$0.00} - HAS VIOLATED MY RIGHTS DEPT OF ED/XXXX - XXXX - {$0.00} - HAS VIOLATED MY RIGHTS DEPT OF ED/XXXX - XXXX - {$0.00} - HAS VIOLATED MY RIGHTS DEPT OF ED/XXXX - XXXX - {$0.00} - HAS VIOLATED MY RIGHTS DEPT OF EDXXXX - XXXX - {$0.00} - HAS VIOLATED MY RIGHTS DEPT OF ED/XXXX XXXX XXXX - {$0.00} - HAS VIOLATED MY RIGHTS DEPT OF ED/XXXX - XXXX - {$0.00} - HAS VIOLATED MY RIGHTS XXXX  XXXX XXXX - {$0.00} -HAS VIOLATED MY RIGHTS UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX - HAS VIOLATED MY RIGHTS XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX  XXXX HAS VIOLATED MY RIGHTS XXXX XXXXXX/XX/XXXX - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX  XXXX XX/XX/XXXX- HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XX/XX/XXXX- HAS VIOLATED MY RIGHTS XXXX XXXXXXXX XXXX  XX/XX/XXXX - HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XX/XX/XXXX- HAS VIOLATED MY RIGHTS XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX - HAS VIOLATED MY RIGHTS XXXX XX/XX/XXXX- HAS VIOLATED MY RIGHTS XXXX XX/XX/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 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 of 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

THESE ACCOUNTS LISTED ON MY REPORT ARE FROM A DATA BREACH MY INFORMATION WAS USED WITHOUT MY CONSENT.
Product: Debt collection

I would be willing to accept this debt {$880.00} if it were mine and upon Validation and Proof of Claim but its not mine and theres no way that the company can validate it. I'm sure they are aware of the provisions of the Fair Debt Collection Practices Act ( FDCPA ) so let it be known that I am requesting full validation of this debt. If no proof, please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report and came across some inaccuracies
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$2500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$4600.00} XXXX XXXX Balance : {$160.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

MARINER FINANCE, HIGH POINT, NC : This company sent me a check which I deposited ( I did not solicit them ) and within 30 days, MARINER FINANCE sent another check, and, I deposited it, as well. In-the-meantime, I scheduled quite a few Home Improvement jobs with Check # 2 ; But MARINER CXL CHECK # 2 within 48 hours after I deposit at my BOA. But, I scheduled home improvement jobs with check # 2 ( not knowing MARINER was going to reverse the {$3500.00} check they sent me ). When I called MARINER CSR she said : " you can not have a 2nd loan within 60 days of the 1st loan '' ... I said to her : THEN WHY DID MARINER SEND ME A CHECK KNOWING I ALREADY HAD A LOAN THAT WAS NOT 60 DAYS OLD. '' She said " you have to read the fine print ... ..??? SUCH A SORRY EXCUSE. I live on SS check and this has really, really, really been a bad exper. for me. 
MARINER FINANCE practiced bad, bad customer service here without notifying me that they were going to REVERSE the $ $ back. THIS WAS WRONG ...... I SHOULD NOT BE PENALIZED FINANCIALLY FOR THEIR MISTAKE ... No one who already has an account with MARINER should have to go thru this. And their CSR should not EVER say : Read the fine print TO ANYONE .....
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing frustration regarding the multiple attempts I have made to remove unknown inquiries from my credit file. Despite my continuous efforts, these inquiries persist, and their presence is causing me significant concern and distress.

I have diligently followed the procedures outlined by your organization for disputing inaccurate information on my credit report. However, despite providing all necessary documentation and evidence to support my claims, these unknown inquiries have not been removed from my file.

These inquiries are not only inaccurate but also unjustly impacting my credit score and financial standing. As a responsible consumer, I have the right to ensure the accuracy and integrity of my credit report, and I expect your organization to honor this right by promptly investigating and resolving this matter.

I urge you to take immediate action to investigate the origin of these unknown inquiries and remove them from my credit file without further delay. Additionally, I request transparent communication and regular updates on the progress of this investigation until it is satisfactorily resolved. With this, I am asking for your assisstance to remove these unknown inquiries in my credit file : 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 card or prepaid card

I tried to charge a bill using my direct Express card and it wouldn't go through, so I went to my direct Express account and it said that my card is under fraud suspension, and everytime I call the direct Express 1-800 number and type in my card info and my social it says they don't have info about my card. I've been trying to talk to a representative for XXXX days literally and I yet to get hold of someone ... this is ridiculous.
Product: Credit reporting or other personal consumer reports

Violators of consent law, violations of law of jurisdiction, violations of opt out law, 3 Rd Notice to opt out, notice of default and opportunity to cure
Product: Credit card or prepaid card

I received a call from ( XXXX ) XXXX identifying themselves as USAA - for which I have multiple accounts. They said there was a " change in my status '' and asked for my social security number, which I foolishly gave them. When they asked for my login information, I told them I did not feel comfortable giving them this information and would call USAA myself. 

USAA can not verify that this is their phone number and I am worried someone has accessed my social security number. I would like to know what I can do to protect myself. Thank you -
Product: Debt collection

XX/XX/year> I receive follow up services by XXXX  to read my XXXX It was my second visit to this XXXX  the first was for my XXXX XXXX. This XXXX  spend less than XXXX min by XXXX  to said all is fine and asked me if I feel any XXXX  because according with him the XXXX XXXX  was XXXX. I did not feel XXXX XXXX XXXX, I did not repeat the sample. 
2 months later I got a bill for {$110.00}. The insurance said the XXXX  office probably made a code mistake. They said they cover the visit XXXX  or XXXX  to follow up XXXX  but the code the XXXX  office put was not covered and I should pay. Why? I started call to XXXX XXXX. XXXX. XXXX every month to resolve this. on XX/XX/year> they gave me a ticket # and told me call again in XXXX business days. I called them again on XX/XX/year> the lady transferred me with a supervisor. They do not have response and said the XXXX  office does not answer. Today XX/XX/year> I got a collection letter. This is a fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were not payment required from XX/XX/XXXX until XX/XX/2020 due  the virus ; however, XXXX is showing late payments for XX/XX/XXXX and XX/XX/XXXX. I was never late and I'm requesting METHOD OF VERIFICATION AND PRECEDURED USED FOR VERIFICATION. PER MY RIGHT.
Product: Credit reporting

On Experian : they did not remove any of these disputed items. I disputed the misspelling of my name : XXXX never ever been called this. I disputed addresses they said I have lived at- XXXX , ND , XXXX, XXXX XXXX- never lived at these places and never been associated with them. Disputed linking my report with the SS # of XXXX no reason at all this should be on my credit report. There was a lot of credit inquiries that I have no clue who they are or why they are inquiring about my credit but the button does not let me dispute them : XXXX XXXX, XXXX, etc. This erroneous information should have been removed as I requested but within 24 hours they said it was settled and all still on there.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$49000.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXXXXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$2600.00}. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.
Product: Mortgage

the bankof america has not behaved fairly with an fha loan they can do a modification they say they are there to help but never do anything, I dont know where to go for more help since I am single and no man around I feel they have walked all over me
Product: Credit reporting, credit repair services, or other personal consumer reports

I negotiated and paid a collection account with NCB Management- which is the collection agency for XXXX XXXX ( pay day loan ). It was agreed that upon receipt of the negotiated payment- the collection agency would cease all collection activity and the account would be deleted from all credit reporting bureaus. 

Initially the account was deleted and has now re-appeared on the XXXX credit report.