23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My identity was stolen in XXXX, they got a hold of my Chase credit card and I was issued a new card, set up passcode and all security features they offer. Today XX/XX/XXXX, someone called the banking side of Chase to access my account. The person never asked for a passcode, they gave the person ( hacker, scammer ) my login information etc. I was never notified by Chase of this even though I receive alerts for everything else. The hacker went into my account and changed all my information, paid my card off with my funds, requested a credit line increase and applied for another card. This is not the first time this happened with Chase. I do not have a problem canceling my card, but this will happen to others and it should not. The stress this has caused, the amount of work I've missed over this is crazy.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor Late Closed XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX  XXXX {$730.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX {$700.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$340.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX {$410.00} XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$740.00} Date Opened : XX/XX/XXXX Collection XXXX  XXXX {$660.00} Date Opened : XX/XX/XXXX XXXXXXXX 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

in my credit score at XXXX  and XXXX  shows balance XXXX still open at bestbuy card visa, by Citibank, payment already paid in full, paiment made to " XXXX XXXX XXXX, reference number : XXXX, creditor Citibank, but after colect a last amount XX/XX/21 any one removed from the Bureaus.. 
Client services phone : XXXX Citybank : XXXX thank you for help me XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have been trying to add my bank account for several months, I have tried on mobile, desktop, by open banking/acct no. 

It always says try again later despite waiting 72 hours multiple times between attempts to add the account. I called customer service who simply wanted to get me off the line and had no interest in helping me. They stated there was a risk associated with the payment even though I wasn't trying to make a payment. I have been in touch with my bank who dispute this and say there is nothing wrong with the account and that it is a technical error with Paypal.
Product: Checking or savings account

I got a series of emails from Bank of America on XX/XX/23 asking to confirm my email, welcome to online banking, and the online banking account could not be opened- you will need to visit a branch and bring form of I.D . I do not have any accounts with Bank of America, only XXXX. I went to a Bank of America branch on XX/XX/23 and they looked up any accounts linked to my social security number and one popped up. There were no funds in the account and the address on file was an old address I used to live at. Bank of America stated I was the 5th person to come in recently to have this happen to. They advised me to freeze my credit and/or request a new social security number. I called XXXX, XXXX, and XXXX to place a freeze on my credit. I also filed a case with the FTC for Identity Theft.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. 

ACCOUNT # XXXXXXXX XXXX XXXX XXXX  : XX/XX/year> ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to address the erroneous reporting on my credit report. XXXX had a public judgement ( they finally removed ) and other items that are not accurate. I have called them last year several times to request and correct my name and addresses. I have asked for a copy of my report via phone rep. over 3 weeks ago since I am not given access online with any credit report.com that allows viewing. I still have not had my request fulfilled. XXXX is not VERIFYING what is being reported and this is extortion and defamation of character. It has come to my attention that my XXXX is being used and non affiliated 3rd parties whom I HAVE NOT given written authority to are making malicious accusations on my credit. XXXX is causing my extreme financial hardship, it threatens my housing stability, my peace, violates my consumer rights that protect me from such abuse. My identity has been reported as stolen and I asked that my file be blocked and suppressed XX/XX/2023. I have not had 1 communication sent verifying the accounts, inquiries, names and addressing that I believe is still on my credit profile EXPERIAN, AND XXXX. Are also violating me the same way. I want to see verification done and sent to me by the CRA 's, if not verification is found I want it deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the matter of XXXX XXXX XXXX. I have started many disputes for the reporting of inaccurate information on my credit reports.in the month of XX/XX/2018, you can see the proof that on XXXX and XXXX XXXX at the same time different information was being reported. ( see attached files ) The FCRA protects me from having inaccurate from being reported. Also, I was turned down for credit that I would otherwise receive. In complaint # XXXX with the Attorney General, XXXX XXXX per XXXX On XX/XX/2018, sent a letter saying the account is valid and accurate. I only started looking into my credit in XX/XX/2018, so it only shows the lies from them are true.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my payment to Apple in XXXX at the end of the month. 
I received an email from Apple which I will send to you with this dispute saying that due to a system error my payment was mistakenly not applied for my XXXX payment and that they were updating my XXXX status to current. 
Well, they still reported me as late even though I have an email saying it was their fault and they would change it. It made my credit score go down a ton and I am in the process of buying a house. I called and they are not helpful and act like they have no idea how to fix it. literally have an email from they admitting it was their fault so I want justice. 
I lost a parent to XXXX and had XXXX  myself in XXXX and I had to borrow money to pay them. I DID and THEY made a mistake and need to fix it. 
This doesn't just impact me but my kids and husband who may lose our new home due to APPLES mistake.
Product: Debt collection

I have reviewed a copy of my credit report and notice that Portfolio Recovery Assoc. is reporting a collection account with a balance of {$4400.00}. Portfolio Recovery Assoc, has violated FDCPA rules and regulations by failing to produce me a written debt validation notice that includes amount of the debt, name of creditor, and notice of consumer 's right to dispute the debt within 30 days ( see 15 U.S.C 1692g ( a ) )  What obligation do I have to Portfolio Recovery Assoc.? I have no written contract with Portfolio Recovery Assoc. nor have I received benefits from them, yet they have furnished information to the credit bureaus against my name and social security number demanding I pay {$4.00}, XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at OFFICE OF THE ATTY GENER on XX/XX/XXXX with a balance of {$2700.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.I demand immediate action to remove these unauthorized inquiries from my credit report. Their presence is not only a violation of my privacy rights but also undermines the integrity of my credit profile.
Product: Payday loan, title loan, personal loan, or advance loan

I got approved for a XXXX loan from this company and I give them my bank account information and my security number and and the loan agreement and told will be in my account by XXXX XXXX  today XX/XX/2024 by XXXX and the company signed the agreement. I request copies of the documents and nothing I also tried to call the number on the loan agreement and the email address that was provided. I received a email from them and clicked on the link and it went to my XXXX account and request payment from me as well
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account # xxxxxxxxxxxx XXXX, has violated my rights.
Product: Credit reporting or other personal consumer reports

These are fraudulent accounts. I have no knowledge of these account. Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to permanently remove the disputed accounts, as Experian inaction violates federal law and my rights as a consumer. Pursuant to 18 USC 8, I owe no debt, this company violating my consumer right to privacy pursuant to 15USC 1681 b 2. Company has also no permission to report anything using my into pursuant to 15 USC 1681 4
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate.

Some of the people reporting things on me. I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681 i ( a )? I hear that if you can't provide proof, these accounts must be deleted. Well. I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.

I demand the following accounts be verified or removed immediately. 
Name of Account : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX SD XXXX
Product: Credit card or prepaid card

To Whom it May Concern, I have been a customer with JPMORGAN CHASE since XX/XX/2007 and have always paid on time. As of now without any valid reason they have closed 2 of my credit card accounts which has made my credit score go down significantly. Plus the fact that I have all my cards on autopay and am a very good paying client with a yearly income of {$120000.00}. I feel that I have been treated unfairly.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XX/XX/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 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 XX/XX/XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to possible inaccuracies in these CRA report, I must demand that the validation I herebly lawfully request be in form of a notarized statement by person with original knowledge of the debt as it was constituted and who can testify that debt was incurred legally product, was not subsequently disputed as result of returned, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address, rather, I am requesting validation, i.e., competent evidens that i had some contractual obligation sans consumer protection encumbrance which the original claims associated with this tradeline. 
Please know thet you have 30 days from the tracked and delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notation from the CRA reports.
Product: Student loan

Around 2013, I decided to go back to school. I applied for a private loan, and the loans total about {$60000.00}. After graduation, I had to take work as a substitute teacher as I could not find full-time employment. 

I called the company and asked for forebearance, which they granted for one month only. The fee for forebearance was # {$100.00} per loan. {$200.00} to keep it in forebearance for one month. 

I called to lower payments, but it was not working. They said they do n't do forebearance for a year, but it says on their website that it is for 12 months. That is all I ask. One year.
Product: Debt collection

I do not have a contract with Portfolio Recovery. I am not responsible for the collection for the debt with XXXX XXXX. I am not responsible for this debt.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have XXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
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 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
Product: Credit reporting or other personal consumer reports

I have disputed all the negative/derogatory items that appear on my credit report multiple times over the last 12 months and I have not had those items fixed on my report. I dont believe the proper investigation of each account has been preformed each time I have submitted a dispute. I understand that this is a violation according to the CFPB and I have had many things not fixed as they should have been.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Debt collection

LTD Financial Service demonstrated false representation by presenting themselves as a debt collector on behalf of XXXX. They also, call and do n't leave messages. When questioned about why they do n't leave a message, you 're they ca n't leave messages. 

On XXXX/XXXX/15 I received a call from LTD Financial Service ( I spoke with XXXX XXXX, I was then transferred to XXXX XXXX ) advising they are collecting a debt on behalf of XXXX and that I only had 45 days to pay them plus interest. I advised I did n't believe they were collecting on behalf of XXXX because I received a letter from another debt collector for the same account. 

I advised LTD that if they legally owned the account to mail me a copy of the original terms & agreement and that I would then make payment arrangements. LTD sent me a letter dated the day of over conversation ( XXXX/XXXX/15 ). 

I followed up with LTD on XXXX/XXXX/15 ( I did n't write down the reps name however LTD advises they record the calls ) on the XXXX I again requested they provide documentation that they own the account. I advised that I would contact XXXX to verify whether or not they own the account. The rep offered a telephone number XXXX. I advised that I would use the telephone number that I have. 

On XXXX/XXXX/15 I spoke with XXXX at XXXX and explained what was happening and I asked if they are continuing to collect the debt. XXXX advised they are not collecting the debt because charged it off and that they would have contacted me if they sent it to a debt collector. XXXX also let me know that she was unable to verify the telephone # XXXX and the address ( XXXX ) noted within LTD 's Financial Services letter. 

I called and spoke with XXXX XXXX on XXXX/XXXX/15 to relay the conversation I had with XXXX. I was transferred to XXXX XXXX. After letting XXXX XXXX know XXXX is not attempting to collect the debt she attempted to continue to convince me that they were a debt collector on behalf of XXXX. Within moments, XXXX XXXX then told me that they no longer have the account in their office and the debt was cancelled as of XX/XX/2015 based on the conversation with them on that day. Note : the XXXX/XXXX/15 conversation was recorded ( with disclosure it was recorded ). 

On XXXX/XXXX/15 I called the telephone number LTD alleged was the number to XXXX, a prerecorded was received indicating, hello, thank you for calling, the number you called has changed, hang on, you may qualify for one of the following options ... 

Clearly, this appears to be a company attempting to scam consumers.
Product: Debt collection

LVNV FUNDING LLC I have many times over and over had told this company to stop calling me, and emailing me, with different agents, for every phone call that i get multiple times a day i have asked my question to them whic is 1. The original creditors name and account number, 2. A copy of the original signed agreement or contract, 3. A detailed break down, 4. Documentation showing that they have the legal authority to collect this debt! Not once did i get a good respond. They just wanted a payment thats all they were worried about.
Product: Debt collection

This debt is already being settled with a debt relief program and the issue is a matter of the company setting