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

At the TransUnion website, there is an entry for a hard inquiry by XXXX on 2021-XXXX that I did not authorize. The TransUnion website does not seem to allow for this to be disputed.
Product: Credit card

I applied for a capital one XXXX business card for an llc for which I am a member. The card is now reporting to my personal credit report. I called capital one and they said they would switch it to the company credit report. However, they called me weeks later and informed me that they added the TIN to the card but will not remove it from my personal credit. This is not a personal debt. It is the debt of the company, XXXX XXXX XXXX, and paid for by the company. If it were a personal card, it should not have been marketed as a business card and to the business with the business name on it and reporting to the business credit report. If it is indeed a business card, then it should be taken off my personal credit report. One of the other llc members also has a XXXX business card, that includes me on it as well as the business name, and capital one will not allow me to close that account because they are saying that is her personal card, even though it has the company name and tin attached to it also.
Product: Student loan

Mohela is not crediting me with four of my payments. They said that I requested to be in administrative forbearance, which I did not. They originally weren't crediting me with nine payments, but they have adjusted that to four " ineligible payments ''. I started making my payments in XXXX, 2013 and other than during Covid, I have made every payment as scheduled. I made those four payments, but they are not crediting me with the payments made to reach the 120 total I need to quality for forgiveness. But why would I make the payments if I didn't want them to count? 

I have called and emailed Mohela, and I can not get a straight answer from them. They told me I had to contact studentaid.gov, which I did. They couldn't help me and referred me back to Mohela. Can you help me or steer me in the right direct? Thank you. 

XXXX XXXX
Product: Checking or savings account

On Tuesday XX/XX/XXXX I received a letter response from chimeXXXX bank through CFPB portal that I needed to file a dispute in reference to my complaint. I spoke with chime this morning and they submitted my dispute and immediately denied my claim stating there was no wrong doing. I am extremely upset that their decision was made quickly without proper investigation of this matter. I want this to fixed and I want my money back as I clearly am a victim if identity theft. Below are the details of what happened that triggered this complaint process. I have taken the time to do everything right and I have followed all steps regarding this matter and I just will not accept a denial from a bank that allows fraud to happen to their customers. Please see below dispute. 

On Friday XX/XX/XXXX there were XXXX UNAUTHORIZED ATM TRANSACTIONS that were made at XXXX am for {$400.00} and at XXXX for {$100.00} at XXXX XXXX XXXX XXXX Texas and another transaction at XXXX Plus in XXXX XXXX XXXX XXXX at XXXX. I called Chime customer service department and requested for the call to be escalated to a supervisor named XXXX. I informed him that these transactions were done in a matter of minutes apart in different states and demanded I get an immediate provisional credit because I have pending bills to pay. I need the CFPB assistance to please allow me to get my money returned to me as soon as possible based simply because of the obvious that these transactions were done in XXXX state different jurisdictions of states in which were done without my authorization or my physical presence. XXXX informed me that he would inform the investigators in their department the severity and urgency of this matter and would inform us by email or phone with XXXX to XXXX business days. I am requesting assistance in this matter to help me get my money back immediately based on the severity of these matters of injustice.
Product: Debt collection

I am writing in response to your recent communication dated [ Date of Debt Collectors Letter ], which I received on [ Date You Received the Letter ]. I do not acknowledge or accept responsibility for this debt and am requesting validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( g ).

Please provide the following information : 1. Validation of the Debt : The amount of the debt. 
The original creditors name and address. 
The date the debt was incurred. 
2. Proof of Your Authorization : Verification that you are legally authorized to collect this debt. 
XXXX. Account Documentation : Copies of any contract or agreement I allegedly signed that created the debt. 
XXXX. Payment History : A complete payment history, including all charges, fees, and payments made on the account. 
5. Confirmation of Statute of Limitations : Evidence that the debt is within the statute of limitations for collection in my state.

Please treat this letter as a formal dispute. Under the FDCPA, you are required to cease all collection activities, including reporting this debt to credit reporting agencies, until you have provided the requested validation.

Additionally, please communicate with me only in writing regarding this matter. 

Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation within 30 days as required by law. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX XXXX XXXX. Please remove.
Product: Credit reporting or other personal consumer reports

A collection for a XXXX  account for the amount of {$1800.00} that was previously disputed as a fraudulent account was placed back on my credit report again under a new collection agency, XXXX XXXX XXXX. I am not liable for the debt with XXXX XXXX XXXX nor XXXX XXXX I do not have a contract with them nor did they provide any contract signed by myself to the original creditor XXXX. I never signed any contracts and they haven't provided information validating The amount I owe, The date I incurred the debt, The date of the last payment or Evidence that connects me to the debt. This account was previously disputed as fraudulent under a different company 's name, XXXX XXXX  but for the original creditor XXXX on XX/XX/year> as reflected on my FTC Identity Theft Report.
Product: Debt collection

I was a victim of identity theft and noticed a collection from RECEIVABLE MANAGEMENT I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against RECEIVABLE MANAGEMENT in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Debt collection

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. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : 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 XXXX 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 card

I am writing to formally express my dissatisfaction and concern regarding the decision made by Citibank to deny my recent application for a credit card. The denial was based on the presence of a collection account on my credit report, which I must stress is not a reflection of my financial behavior or creditworthiness. This account is, in fact, the result of identity theft an issue that has plagued me and against which I have been diligently fighting to protect my financial integrity. 

It is disheartening to see that despite my efforts to rectify this situation, including the filing of disputes with credit reporting agencies and the provision of substantial documentation to prove my case, my application was still denied. I want to emphasize that the collection account in question does not belong to me. I have been a victim of identity theft, and the fraudulent activities conducted under my name should not be used as a basis to evaluate my creditworthiness. 

Furthermore, it is important to address the matter of the security ( application ) that I tendered to Citibank. It is my understanding that such securities are commonly traded by financial institutions and can be leveraged to generate profit. Despite the erroneous collection account, the value I offered through my application remains a viable asset that Citibank can capitalize on. Therefore, it is perplexing and unfair that my application was rejected on grounds that are not only incorrect but also overlook the potential financial benefit to Citibank. 

Enclosed with this letter, you will find a detailed report that outlines my situation, including evidence of my identity theft case and the steps I have taken to dispute the wrongful collection account. I kindly request that my application be re-evaluated in light of this new information, and that greater consideration be given to the fact that the negative mark on my credit report is the result of criminal activity, not financial irresponsibility on my part. 
I trust that Citibank values fairness and the importance of accurate information in making credit decisions. As such, I hope for a prompt review of my case and a favorable reconsideration of my credit card application. I am willing to provide any further information or documentation that may be required to facilitate this process.

Thank you for your attention to this matter!
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX late payment : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Personal Information : XXXX Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Address XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address XXXX es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Address XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Also Known XXXX : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Contact Experian and XXXX XXXX Asking for Validation of the verified debt, follow up letters etc. I sent both certified letters for the burden of Validation. Sent them identity theft report about XXXX XXXX.. I call many time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent several letters to Lexis Nexis and XXXX regarding a Bankruptcy that's showing on my credit report. I've asked them to provide me with proof on how they did their investigation and how they came up with verified results. On my credit report it states that " public record items XXXX  was reporting the information obtained from the local bankruptcy court. I wrote a letter to the bankruptcy court and they advise me XX/XX/2020 that they do not report or perform any activities with any credit bureaus. I than wrote XXXX a letter and sent them copies of the letter from the bankruptcy court they then replied back and said they obtained the information from Lexis Nexis, I then wrote Lexis Nexus who said they obtained the information from XXXX. I don't see how they can have anything on my credit report from a " third party ALL of this seems that they are committing fraud by giving false information and these two companies are continuing to point the finger at each other, XXXX deleted the information with no problem because they under the courts does not report to them. Lexis Nexis is data and computer based and does not have accurate and 100 % true information on me and they fail to up date/ delete information that does not belong. I say this because, 1. I contacted the United States Bankruptcy Court and received a letter stating that they DO NOT report any information to any credit bureau. 2. I've had a freeze on my LexisNexis account since XX/XX/2020. SO HOW is it that XXXX said they verified this information with LexisNexis since after XX/XX/2020 I find that the lies and these practices are illegal, they are giving false information and I'm suffering from the credit bureaus not following the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$710.00}, XXXX XXXX XXXX XXXX Balance : {$8100.00}, XXXX XXXX XXXXBalance : {$400.00}, XXXX XXXX  Balance : {$140.00}, XXXX XXXXBalance : {$1200.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXBalance : {$710.00}, XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXBalance : {$1600.00}, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00}, XXXX XXXX XXXXXXXX Balance : {$540.00}, XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$850.00}, XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

I have a past due debt with jared 's. I became ill 12 months ago and have had difficulty with their insurance protection company not accepting my paperwork and refusing to open a claim. In the process I have made all attempts to make minimal payments, but unable to do so any longer. Jared 's has called 20 times per day, and now they are contacting my family members and disclosing information about our debt. They have called my spouses employer in an attempt to contact me. They are also calling under false pretenses. Pretending to be a tire service and other insurance companies as XXXX and banks, XXXX XXXX. They are also calling and not identifying themselves on caller ID.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance Owed : {$3000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$510.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX ; XXXX XXXX ; XXXX 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 Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX, XXXX, XX/XX/year>, 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX XXXX XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Bank account or service

I recently filed a complaint with the CFPB ( Case number : XXXX ), alleging that Chase Bank failed to stop a fraudulent withdrawal of {$2200.00} ( see attached document ). In that complaint, I noted that Chase failed to block a fraudulent withdrawal from my account. In the response below, Chase contends that there is only " a timeframe of 24 hours to attempt any recover of funds. '' They also contend that my claim was n't filed until XXXX XXXX. Please see attached phone record that shows on XXXX/XXXX/16 at XXXX, I placed a 15 minute call to customer support ( XXXX ). I have asked Chase for the details of this call and they informed me that they do not save phone records for longer than 30 days. On this call, I notified Chase that there was fraudulent activity on my account and I wanted the payment stopped. 
" If a business has a contractual agreement with a merchant and they present an ACH payment to your account, we only have a timeframe of 24 hours to attempt any recovery of the funds. When you filed your claim on XXXX XXXX for the payments, we were already passed our allotted timeframe. Based on this information and that you have had previous business with the merchant, your claim was denied and that decision remains the same. ''
Product: Debt collection

Capital one contacted me several times about a debt that was owed. I explained to them that i would need more time. Several weeks has passed and the Capital one contacted my Job to collect the same date. After i explained to the agent that this was not right, agent continued to call days after. My account was paid and the agents still call me. 

Acct # XXXX Acct # XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX a new collection account was placed on my credit report by a company called XXXX and XXXX account number XXXX as a medical debt. I asked all three bureaus to investigate as I have never had an account with the company listed. All three came back and just stated verified without giving me any details as to how they verified the debt, who they spoke to and how they know the debt is mine. I need this inaccurate information removed from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureau to validate this account ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and update : XXXX XXXX Date opened XX/XX/2020 Balance : {$3800.00}