23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I went to a XXXX XXXX XXXX XXXX XXXX XXXX in XXXX Texas on XX/XX/XXXX. The representative XXXX from XXXX XXXX through pressure selling convinced us to apply for credit in the event we decided to purchase from them. Because of the high pressure selling we left the show. She messaged us late advising us that she could take our financial information over the phone. She messaged us back on XX/XX/XXXX ( Sunday ), to see if we were still interested. She later called us back on XXXX XXXX and stated that since we had gone to XXXXXXXX XXXX which she was a representative, she could take our financial information over the phone. We were approved for XXXX not knowing anything about Greensky. She had told us that the hot tub we were initially looking at would be {$160.00} a month through this lender. She sent documents to be XXXX, but because I had not received financial details I did not complete or sign the documents. She contacted us on XX/XX/XXXX inquiring if we had signed the documents. I explained that I had questions regarding the loan and contract. On XX/XX/XXXX she texted me the number to Greensky. The representative was rude and unprofessional and told me that I would receive documents in the mail. I received the documents today XX/XX/XXXX. I have never signed anything with Greensky, and i now have a loan for {$15000.00} paying {$200.00} for 113 months costing me {$9000.00} over the life of the loan which will total {$24000.00}. The cost APR for credit is 9.99 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a representative from Equifax earlier today. I was calling to dispute incorrect information in my credit file pertaining to inquiries that was not authorized by me. The representative begin to tell me that those inquiries could not be disputed and to contact the creditors. According to the FCRA Rules, FCRA 623 ( b  ) ( 2 ) and 611 ( a ) ( 1 ), it  states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the information from it files. These are the inquiries that should not be reporting on my credit file.    XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX      XXXX   XXXX    XX/XX/XXXX   XXXX   XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts should NOT be reporting on my credit file, as the medical center was instructed to bill my insurance carrier before these accounts were falsely placed in collections. There are also duplicate accounts reporting on my credit file ( See below ), which is causing severe damage to my credit worthiness and is preventing me from accessing new lines of credit. These accounts are injurious to my credit, I have sent in 2 separate re-investigation requests to Equifax for the following inaccurate accounts : Account Name : XXXX XXXX XXXX XXXX Account # XXXX Balance - {$150.00} ( Non-compliant reporting ) Account Name : XXXX XXXX XXXX  - Account # XXXX Balance - {$110.00} ( Non-compliant reporting ) ( Duplicate ) Account Name : XXXX XXXX XXXX  - Account # XXXX Balance - {$110.00} ( Non-compliant reporting ) ( Duplicate ) The first re-investigation was started on XX/XX/2022 and was completed on XX/XX/2022 ( 10 days ) and the second re-investigation was started on XX/XX/2022 and was completed on XX/XX/2022 ( 14 days ). On both occasions, the above-referenced accounts have come back as " verified. '' I have requested the method of procedures be sent to me ( via us mail ) explaining the procedures used to verify these accounts and to date, Equifax has ignored my requests, which is my right under the FCRA. XXXX XXXX XXXX has also failed to provide me a notice of debt, prior to inserting these alleged accounts onto my credit report which is a violation of my consumer rights. I was not provided the opportunity to request validation of these alleged debts. I have disputed these alleged accounts with Equifax, as well as the collection agency, and both parties continue to verify this alleged debt without properly investigating, which is violation of the FDCPA and FCRA.
Product: Debt collection

Professional Choice Recovery already had a garnishment on my wages and had collected their garnishment on the paycheck and then collected the entire paycheck on the same day as it was direct deposited. The also took funds that were protected as they were awarded to me by the federal Pell grant for XXXX on top of XXXX  all my accounts. This act has put me in tremendous hardship as I am a XXXX  XXXX  and relied on those to get by, it is unfortunate as I now of no way of even meeting basic needs because of their collection practices.
Product: Bank account or service

On XX/XX/XXXX, a customer made a deposit into our Capital One business checking account. Subsequent to making the deposit, she contacted the Capital One fraud department and claimed that she had fallen prey to a " work-from-home '' scam. Capital One has put a freeze on the account and is effectively holding over {$50000.00} of our small business ' operating capital. Despite the fact that we have provided Capital One with the receipt and documentation explaining this woman was fully aware of her purchase, It 's been ten days and I have not heard from the case manager who is supposedly handling the matter. I 've made six attempts at contacting the case manager and spoken with various employees in the fraud department and I have not heard anything back. In summary, they 're holding a large portion of our operating capital ( which is crippling our business ) and despite our total cooperation, refuse to return any calls or give us any type of timeline on when our funds will be returned to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so stressed and so disappointed that this is happening to me and my credit report. Not only is it very embarrassing, it is clearly either your fault or the company 's fault for reporting this inaccurate information. Remove late payment annotations and update to paid now or as agreed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$8400.00} XX/XX/XXXX XXXXXXXX XXXX XXXX {$4500.00} XX/XX/XXXX XXXX XXXX XXXX  {$3600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX  {$960.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

This is a follow up from a previous complaint to insure proper, final resolution. 
Please find enclosed documentation from XXXX XXXX XXXX regarding a long disputed account I 've had with them. This account has been misreported in recent years by them and subsequently the credit bureaus, which has harmed my ability to obtain credit. 
I 'd like to address two issues that should be updated and corrected per the information contained in the XXXX letter. Due to my multiple disputes throughout this year, it appears the account has been repeatedly updated to reflect it as charged off but appearing to be something that is newly reported when in fact it was charged off in XXXX of 2012. There should be no other charge off information noted to the account other than 2012. Additionally, the letter clarifies that there is no balance owed ( this has long been reported with a balance of {$21000.00} ). 
It would appear that because of these continual challenges and " updating '' that the account event status was reported as recent and not when originally occurred ( 2012 ). It would appear that this has had a direct impact on my reduced XXXX scores since I have no other recent derog credit, my current account balances have been dropping and all of my payments have been made on time. Please research this as well and make any account updates necessary to restore the accuracy of when events with this account took place ( charged off in 2012 and not recently as well as {$0.00} balance owed ). Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be updated promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$20000.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$64000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$860.00} XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$21000.00}
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX & XX/XX/XXXX ( XXXX Only ) 60 days late as of XX/XX/XXXX ( XXXX Only ) 90 days late as of XX/XX/XXXX ( XXXX Only ) These are on XXXX only, XXXX and XXXX are not reporting late payments. 

I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.
Product: Checking or savings account

I was sent a text message to look like a TD bank notification. The notification said that someone that I had enrolled someone for bill pay. It then had a link to block any further requests which I clicked. It sent to a website made to look like the TD bank website where it asked me to log in and enter very sensitive information such as my full name, DOB, and SSN, all of which I entered. Only after this did I realize that it was a scam. There was the a {$0.00} charge to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my formal complaint to EQUIFAX for taking no actions on correcting and removing the fraudulent accounts that are still reflecting on my credit report and continue to damage my reputation. I sent out dispute letter to them last XX/XX/2022 but until this time no further action I been taken. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Product: Credit reporting or other personal consumer reports

The late payment in question is reported by [ Creditor 's transunion for the period of [ insert date of late payment ]. I believe this information is incorrect and does not comply with the requirements outlined in the Truth in Lending Act ( TILA ), specifically section 1637 ( b ) of Title 15, which mandates that creditors provide accurate and complete information regarding the terms of credit, including payment history.

Furthermore, according to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, furnishers of information must report accurate details. The late payment reported does not reflect my true payment history, and I request that you investigate this matter in accordance with 15 U.S. Code 1681i. 

XXXX INQUIRIES : XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX LATE PAYMENT : XXXX XXXX  - XXXX
Product: Credit reporting or other personal consumer reports

After carefully reviewing my credit report, my finding are that my rights as a consumer has been severely violated. upon my review it is reporting I owe a balance on Charged off accounts, I have listed the accounts for your reference- Bank of America showing a balance of {$770.00} reporting as past due, and charge off- Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, you have the right to dispute any information on your credit report that you believe is inaccurate or incomplete. If an account is charged off but still shows a balance, you can dispute this with the credit bureaus. 
Section 1681i - Procedure in Case of Disputed Accuracy : This section outlines your right to dispute inaccurate information. The credit reporting agency is required to investigate the dispute, usually within 30 days, and correct any inaccuracies found. If they can not verify the information as accurate, they must remove it.

Section 1681s-2 - Responsibilities of Furnishers of Information : Under this section, creditors must report accurate information to the credit bureaus. If the account is charged off, they must report it as such, with a XXXX balance, unless the debt is sold to a collection agency, in which case the collection agency would report the debt as a separate entry.
Product: Credit card or prepaid card

I made a online purchase with XXXX  and upon submitting my payment information I grew suspicious after the merchant failed to submit proof of the transaction. I immediately requested a cancelation of the order but received no reply after calling and emailing the website. I then contacted Chime customer support to cancel the transaction but was told that the transaction couldn't be canceled while it was pending. After a couple of days the transaction went through and the money was deducted from my account. I then received a transaction summary from the merchant. A few days later I received a delivery notice from the merchant stating the order had been delivered. 

The purchase was for two XXXX XXXX XXXX guitar cases priced at {$90.00} each totaling {$180.00}. The transaction summary I received listed only one item in the order. The delivery notice from XXXX listed a tracking number that says 1 of 4 items was delivered at the front desk. I live in a house. There is no front desk. None of the paperwork sent to me is correct. Chime dispute investigators, however, believe the paper work to be legitimate and haver determined that because a tracking number exist the order is correct and my dispute has been denied. Twice. Every customer support representative that I talked to said that they understood the situation and that there shouldn't be any reason that I wouldn't have my money refunded top me. Chime dispute investigations department denied the claim after it was escalated by there representative whom I talked to after my claim was denied the first time.
Product: Checking or savings account

Chase bank fraud my account and overdrawn my checking account by {$19000.00}. This happened on XX/XX/year>. 


Since then I was trying to reach customer service, Chase bank branch, executive office but all attempts to fix the issue was invein. I would like to let public know how Chase customer service handle people concerns. I cant use the money I owned because Chase system was down during this transaction for some reasons. 

I have emailed executives office and I filed complain case number XXXX. 
I will send a different emails showing my complaint to Chase multiple times contains images to prove that I have tried all my options. 

I would like my voice to be heard please. If this was other way around I would be in jail since I owe money to the bank but they owe me and I cant use my money.
Product: Credit reporting or other personal consumer reports

This is a follow up dispute to complaint ID : XXXX. Equifax has failed to fulfill its legal obligation under the FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Equifax, 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 Equifax has neither corrected nor removed.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XX/XX/XXXX American Express has hired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX to collect on my debt of XXXX. 

I am not disputing the amount owed or any interest owed to American express. I have been discussing my account with American Express, and trying to work out a reasonable solution. 

I was receiving many phone calls at work and I did not want to discuss my personal business on the phone. 

XXXX XXXX XXXX did an area search of all my neighbors and reached out to a retired Sheriff and asked them to reach me for a personal business matter - which means to anyone including a Sheriff its a debt collector. This neighbor has nothing to do with my family and should not be exposed to my personal information. 

When I complained to XXXX XXXX XXXX - the response was they will remove the number and add it to a do not call list. They told me it was in my contact list in my American Express Profile. This does not make sense, I never created a contact number in my American Express profile for this neighbor, which does not share our family name. So XXXX XXXX XXXX lied to me knowingly breaking the law on sharing personal information on a US consumer. 

I clearly understand the motive and I understand the job of a debt collector, it is the blatant abuse of a person in debt like me from firms like XXXX XXXX XXXX that must stop. 

The tactic being used is to embarrass and humiliate the debtor to submission. I was always in contact with American Express and I intend to make good on my debt. 

XXXX XXXX XXXX  intentionally contacted my neighbor to create a atmosphere of guilt and shame and purposely reached out to a local law enforcement officer ( Retired ) to make sure I would be compelled to call them and make a deal to pay this debt. 

This is unacceptable and illegal. I have been an American Express Card holder since XXXX and now because of temporary hardship issues I must make a different payment arrangements to make good on this debt. 

American Express is a great company and I want to pay this debt in full, I am sorry that I can not pay the debt today, I just do not want to be ridiculed and embarrassed in my own home town.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2022, I fell victim to multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firm ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX HL Mortgage Companies XX/XX/XXXX Experian XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX, XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX  Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian EXPERIAN BUSINESS CRED Credit Bureau XXXX XX/XX/XXXX Experian XXXX XXXX XXXX Finance Reseller XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Reseller XX/XX/XXXX Experian XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX Experian XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX Bulk Purchase Finance XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.