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

This could easily become a class action suit. This company continues to pray on unsuspecting clients.. their name tells it all. Whether they gain your approval or not, once they gather your information, they may be capable of saying that a deposit has been deposited into your account ( open or closed ) as long as is a present or previous account with your idenfication associated with this account default proceedings may be filed. 10 times out of 10 times the defendant is NOT a resident of XXXX let alt Idaho. Once an individual has been served or not been served, they are issued a supena to appear in court 1000+/- miles away, having full be knowledge that the accused could not possibly appear end up gaining a default judgment. People requesting these type of loans are not only trusting someone to help them, but they would make every reasonable effort to make the loan right. Without conscience of consideration of others, they'd sue their own grandmother. Something needs to be done quickly and expeddiously! It's a very great amount of money that people are honestly needing and sincerely will make every effort to pay it back. In the meantime, some people are getting the money and some are not but everyone is being sued. Look into it. Red flags should be flying high,! XXXX County, Idaho, the city/county clerk, district attorney, mayor, city should be informed of the corruption and malfeasance that is taking place.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights.

15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purposes.
Product: Credit card or prepaid card

On XX/XX/20 I purchased concert tickets from XXXX XXXX XXXX for {$1100.00}. Immediately I received a fraud alert email from my credit card company. I called my credit card company Chase Sapphire and acknowledged the purchase. I accepted that they declined the transaction for my protection. I went to a reputable web site and purchased tickets for the same concert. I obviously assumed the matter was closed. 

Chase Sapphire accepted the same charge after XXXX XXXX XXXX billed the charge for a second time. Ultimately after over a month Chase Sapphire denied responsibility for not blocking the second transaction, and I was forced to pay for a product I never utilized. The alarming fact that Chase Sapphire stood by a billing from a third party they aptly identified as fraudulent should scare every consumer that is also their customer.
Product: Credit card

Credit card was sent to wrong address. I believe my money was spent and would like to report it as I need a replacement card reimbursement to my address please thank you very much.
Product: Checking or savings account

Capital One called me XX/XX/XXXX to inform me that a checking/savings account had insufficient funds due and hadnt been able to replenish the XXXX. I deposited {$70.00} on the XXXX and told them I will pay as much as I can when I can and not to contact me again. On XXXX  XXXX the XXXX they called me once again about this matter even after me verbally stating that this matter would be handled and NOT TO CONTACT ME AGAIN. yet the did. On XX/XX/XXXX I deposited {$44.00} dollars bringing the account to {$100.00}. After doing so, I still received a call even after telling them not to contact me and that I will pay it down when I can because I am a XXXX XXXX  on a limited income yet they once again left a voicemail to call them.
Product: Credit card

Tried sending money wouldnt let me and making me order a new card when I already have one
Product: Debt collection

I have been receiving numerous letters threatening action on accounts that have been discharged in my Chapter XXXX bankruptcy that I have been paying monthly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect accounts were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and needs to be update in positive immediately : XXXX XXXX XXXX Balance Owed : {$630.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$3100.00}
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that XXXX, XXXX and XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report : XXXX XXXX account number XXXX. XXXX XXXX XXXX account number XXXX. The following hard inquiries are fraudulent and need to be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX. These fraudulent accounts, and inquiries have resulted in significant damage to my consumer credit report, as they were not opened, made, or initiated by me. All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, # XXXX and # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud.
Product: Debt collection

I returned an XXXX XXXX lease at the beginning of 2019 and had settled out any debts owed under that lease. Since then the company XXXX XXXX has folded and sold the debt/accounts to XXXX XXXX XXXX XXXX which XXXX believe owns the collection service RPM http : //www.receivablesperformance.com. 
I had not heard anything about any amount owed over 2 years and was shocked to see a collections notice in my mailbox and started receiving harassing phone calls. When I spoke to a representative they claimed they had proof I owed this very suspicious amount. They are essentially trying to re-write the contract in their favor in order to pillage innocent people of their money. I have sent copies of my contract and info to them and they have not responded to those documents. They just sent me a list of charges that make no sense.
Product: Credit reporting or other personal consumer reports

I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. 

XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, CA, XXXX, XXXX XXXX XXXXXXXX XXXX  PA, XXXX, XXXX XXXX XXXX XXXX, XXXX, DE, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, PA, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Received negative XXXX credit report on a delinquent Apple Card Acct from Goldman Sachs in early XXXX Never applied for the card. Disputed the acct with XXXX as fraudulent. XXXX investigated my claims with Goldman Sachs and emailed me the results of the dispute around XX/XX/XXXX. They stated that the information that Goldman Sachs provided to them was accurate and if I wanted to further dispute it I need to contact them directly. On XXXX XXXX spoke to customer representative from Goldman Sachs, gave her my correct name, address, dob, and ss #. She stated she could not find an acct in my name with the info I gave her. Could not tell me why it still showed up on my credit report. Says she will look into it further but in the mean time I should file a fraud report with the police and with fraud alert. gov and send them a copy
Product: Credit reporting, credit repair services, or other personal consumer reports

You TRANSUNION are reporting inaccurate and incorrect information on my consumer report. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household uses. You and your inaccurate reporting has damaged my livelihood. I have already disputed the accuracy of my credit report with the other credit reporting agencies and deletions have been made on their end ( XXXX ) and your agency should have been notified of the deletions. According to 15USC 1681i ( a ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. The information you are furnishing is inaccurate and in accordance with the law needs to be deleted off of my consumer report. 15 USC 1681i ( 5 ) ( a ) states If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

YOU HAVE NOW BEEN PUT ON NOTICE. 15 USC 1681n ( a ) states Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. Further furnishing of these disputed inaccuracies will put you in violation of 15 USC 1681n ( a )
Product: Consumer Loan

In 2014 I purchased a XXXX XXXX exercise machine for approximately {$3000.00}. I was offered a promotional no-interest finance arrangement. I asked for and was told that the monthly payments would cover the promotion period and that I would not be charged any interest as long as I made those payments and that this would cover the purchase in full. I unfortunately did not pay close enough attention because this was apparently not done. Now I discover I have paid over {$1800.00} in interest and still owe {$2100.00} on the note. I offered to pay the remaining principle balance of $ approximately {$1100.00} but was told this would not satisfy the obligation. I am being charged 29.99 % interest on the unpaid balance. I told them this was unacceptable, if not criminal, that I was misinformed or lied to and that I would not be making any further payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen in XX/XX/2020 and they opened a loan account through XXXX XXXX. I submitted an affidavit that my account was stolen, I called the bank, submitted a police report and filed a case in XXXX I still have a balance on my credit report from a loan they disbursed to the thieves.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted the 3 credit bureaus XXXX, experian, XXXX by phone numerous times last month in XXXX, XXXX, and XXXX of 2022 and asked them to remove several addresses that are not my addresses i even tried requesting they remove them on line also, and i also have let them know i have the right to privacy ( 15 usc 1681 ) and to have accurate information reporting they are violating so many laws and denying me my rights
Product: Debt collection

I have something in collection that i have no idea what is it.collector name : SKO BRENNER AMERICAN.Then i dispute XXXX XXXX online.investigation result deleted, description # XXXX, file XXXX, date XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly a charge-off on XXXX  partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) On or around 1995 I had a cable company give me a unit for a trial period. I cancelled the membership and made arrangements for the company to pick up the unit that I was trialing. The company failed to pick the item up. After numerous attempts to contact someone at the company, they finally came to pick up the unit a few weeks after I initially cancelled the membership. I was told they would credit my account however, they never did. When I sold the property and moved, I followed up on this account to ensure it was in fact credited. I unfortunately do not remember the name of the company as it was so long ago. This incorrect reporting of a charge-off account is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Vehicle loan or lease

This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The VW CREDIT XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 


VW CREDIT XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 if 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

I'm not sure how but I believe someone has been trying to use my identity to apply for new credit lines. I reached out to DISCOVER FINANCIAL SERVI to get the inquire removed but, they haven't resolved the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2024 I filed a complaint with all 3 credit reporting agencies and only XXXX has removed the item in dispute that was being reported within my consumer credit file. Transunion and XXXX have not responded in a timely manner nor have they removed the disputed fraudulent account from my consumer credit file from XXXX XXXX XXXX XXXX XXXX XXXXXXXX. It has been past 30 days on XX/XX/2024. Therefore this disputed information in complaint # XXXX should be immediately removed.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on any payments. I've attached a copy of my report to this complaint on the following date of XX/XX/year> and. I'm now requesting you investigate the XXXX XXXX XXXX XXXX XXXX account and update this payment to paid on time immediately. Thank you for your understanding and prompt action. 

15 U.S. Code 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
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, defamed my character and caused undue stress : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 12 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) 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 the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states 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.

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT. 
Please send me an updated report upon completion of my request. 
Sincerely, XXXX XXXX
Product: Debt collection

Since last year of XXXX, my XXXX account has been restricted from use. This XXXX XXXX  claimed that my account had a negative balance since my linked bank account could not honor the transaction. XXXX began to send me letters to bring my account to positive. In the economic while dealing with my financial difficulties, I received a letter dated XX/XX/XXXX from debt collection agency American Coradius International LLC for {$500.00}. Thereafter, another letter dated XX/XX/XXXX from collection agency XXXX XXXX XXXX. I attempted to call both collections to pay the debt and they had no record of it. I contacted XXXX to dispute the debt and they gave me another collection agency XXXX XXXX XXXX  number of XXXX ( XXXX ) XXXX. I called them as well with a conclusion of no record of any debt with my name. XXXX is an utter failure to resolving any issues and they need to lift restrictions off my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please CORRECT the following accounts in my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

About 95-100 days I put a complaint in with PNC Banking XXXX Due to money missing from my account. As long as the investigation was going my account was fine. The day of the investigation ending {$50.00} or more dollars disappeared. This has been an ongoing thing for awhile a now. Although its small amounts of cash and at my pay rate all my cash is accounted for being its low income. Yesterday I had a total of {$180.00} in my account. I believe it was {$3.00} which was scheduled to come out my account with my card lock on, for my XXXX. I thought it was XXXX stealing from me, now Im sure its an inside job. Preferably someone that knows me. With the pictures you can see I added {$200.00} from savings to my checking which made my balance {$230.00}. I added {$50.00} of that to XXXX. In the process of doing that {$3.00} transaction fee was added to my account because I went over my limits bringing my total down to {$180.00}. Definitely not understanding how my account is at {$170.00}.
Product: Debt collection

I paid off my medical bills from XXXX XXXX XXXX ( XXXX, IL ) ( where I gave birth in XX/XX/XXXX ) on a payment plan with automatic monthly payments, with the final payment ( {$51.00} ) made in XX/XX/XXXX. 

Beginning in XXXX XXXX, I received multiple ( more than XXXX ) attempts to collect random amounts of paid off debt from XXXX XXXX XXXX Accounts. I sent them proof of a XXXX balance and heard nothing until I received XXXX separate statements in the mail on XX/XX/XXXX claiming I still owe money to XXXX XXXX XXXX from XXXX. These XXXX separate statements state that I owe {$420.00} ( XXXX ) and {$220.00} ( XXXX ). I've contacted XXXX and checked my online portal and re-confirmed that my balance is still XXXX, since XXXX XXXX. 

I will respond to XXXX XXXX  XXXX again with proof of this XXXX balance. But this is absolutely infuriating. I should not have to waste my time and money responding to a predatory company attempting to scam me out of money. Please do something.