23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have tried for the last three years to correct inaccurate information on my credit report. I had an excellent credit score and an ideal credit report until covid happened. Ive tried to correct the inaccurate information several times. Both with the original companies and the credit reporting agencies with no avail. This has made financial hard times even harder. It has kept me from being able to consolidate any debt I did have. When our rental was sold and we needed to move it made it look like I wasnt responsible. Made it to where I cant get approved for anything. At this time. They are re reporting charge off every month on accts and keep doing this for over 24 months on several accts. Total failure to properly investigate and failure to correct inaccurate information. These need to be completely deleted from my credit report this is obvious willful negligence on their part to allow this. I feel they should compensate me for the violations they continued to put on my credit report. To avoid more distress and having to actually sue a lawyer will want more. Just delete and pay for the obvious damage of being will ful negligent by leaving obvious inaccuracies month after month. Failure to to due independent re investigation after XXXX XXXX obviously failed and XXXX XXXX didnt catch it. I re disputed and called several times for each act
Product: Student loan

I took out a loan for my daughter for college and covid 19 came about and the world got shut down and now they want me to repay the loan and she did'nt attend the school for a year she only went for five months. it has been 3 yrs and now iam on the hook for this loan amount. Seeking Forgivness for this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX account and around XXXX I applied for an auto refinance loan. Then also in XXXX my phone started messing up and I had to get a new one. Then I was locked out of my email account and I haven't been able to get back into that email since. I have been locked out of most of my accounts since I just now got a new phone and new number and even a new bank account. I reported it to the FTC because I just received all these letters this past week. The address they were being sent to isn't my mailing address. My credit went from almost XXXX to XXXX. My wife and I are going through a divorce but she does know my personal information by heart including my social security number which she gave to a police officer in XXXX XXXX when she was in a wreck in XXXX of last year. She told the officer she was me. I reported it to both XXXX XXXX and my insurance company that I was not driving the car when that happened. 

The companys and information.. Flagship Credit Acceptance on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. XXXX XXXX XXXX services on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX on XXXX. XXXX XXXX  on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's rights to privacy. XXXX  and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which it states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( XXXX bank ) is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumers report under the following circumstances and no other : in accordance with written instructions of the consumer whom it relates. '' ( XXXX Bank ) the financial institutions and the Consumer  reporting agencies Equifax, XXXX, XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any consent to Equifax, XXXX, XXXX, ( XXXX Bank ) whether it verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states a XXXX XXXX XXXX not disclose nonpublic information to nonaffiliated third party unless : the consumer is given an explanation on how the consumer can exercise that nondisclosure option. '' ( XXXX Bank ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' These accounts are adverse items that reporting without my permission which is illegal and against the law. 15 USC 1681 s-2 ( A ) ( 1 ) A " states a person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of this section 1681 c of this title and to limit the furnishing of consumer reports to the purposes listed under this section 1681b of this title. '' Equifax, XXXX, XXXX are not maintaining reasonable procedures. also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. And I'm opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ( Account : XXXX XXXX XXXX  Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a target card. 
Problem 1 : After 2 months of having the account with target. I INFORMED THE TEAM MEMBER THAT I DONT GET MY MAIL ON TIME AND I HAVE A BUSY LIFE INPAY EVER BILL ON THE XXXX .... 
ID LIKE TO PAY EVERY MONTH ON THE XXXX AND WANTED TO KNOW IF IT WOULD BE CONSIDERED LATE. 

SHE SAID NO I WOULD BE FINE. 

Moving forward. I paid every month on the XXXX ... then in would see late fees. I would call in and tell them what I was told they would just waive the fee.. 

AT NO POINT DID ANOTHER TEAM MEMBER TELL ME NO YOU CANT PAY IT EVERY MONTH ON THE XXXX ITS LATE. 
OR YOU CAN CHANGE THE DUE DATE NOT UNTILL I SPOKE TO THE SUPERVISOR ON THE XXXX OF XXXX SHE REVIWED ..

AND INFORMED ME I HAVE LIKE 4 LATES THIS UPSETS ME WHAT WAS SO HARD ABOUT TELLING ME I in good faith paid my bill on the XXXX of every month ... I pay all my credit cards on that day. 
Not one person made it clear I wasnt doing it right untill recent. 


Problem 2 : A few months ago I had a prepaid card that I got my work pay check on. 
I used the prepay card to make 4 credit card payments. 
I had the funds in the account. 
The payments begin to be sent back. Because the prepaid card had a policy that you can use it as a point of sale but not to make payments. 
This was a simple mistake. 
I called target BEFORE the payment was sent back. 
BEFORE.. 
I ASKED WHAT I CAN DO .. I DONT WANT A RETUNED PAYMENT OR PENALTY.. 
THEY SAID JUST WAIT ... 

NOW EVERY MONTH WHEN I PAY MY CASH PAYMENT I NEED TO WAIT ALMOST 2 WEEKS TO RECEIVE THE AVAILABLE CREDIT. 

IM BEING PUNISHED FOR A ONE TIME ISSUE .. THAT I TRIED TO RESOLVE BEFORE IT BECAME AN ISSUE.
Product: Credit reporting or other personal consumer reports

Xactus- XX/XX/XXXX, XX/XX/XXXX I don't know what this is. 
XXXX XX/XX/XXXX I have a XXXX XXXX credit card and never applied for hotel and travel card. 
XXXX I have a XXXX  credit card and never applied for hotel and travel. 
XXXX XXXX I did apply and was approved but never acted on the loan. 
XXXX I never applied for a dual card
Product: Checking or savings account

XXXX. In XXXX XXXX of XXXX my entire life was turned upside down. ALL MY credit cards were hit and my chase bank checking account was taken for all money money. Digital wallet and credit cards breaches. 

My checking account with Chase was hit with back to back fraud. MY CHASE SAPPHIRE AND FREEDOM WAS FINALLY CLEARED BUT MY MONEY WAS STILL MISSING. AFTER MUCH RESEARCHING IN MY PART; SHOWED SCAMMERS USED MY CARDS ON REPEAT AND WAS PAYING IT OUT MY CHECKING ACCOUNT UNTIL ALL MONEY WAS CLEARED. 

OVER XXXX WAS PAID TO CHASE 2 CREDIT CARDS IN 2 MONTHS. PAYMENTS MADE IN SOME WEEIS DAILY BACK TO BACK I WORKED WITH A DIRECT PERSON ONSITE AT CHASE BANK ... HE EVEN SAW THE MESS AND THEN WHEN SILENT. 
I SAT IN HIS OFFICE WHEN FRAUD RECOVERY REQUESTED A POLICE REPORT TO RETURN OVER $ XXXX BACK TO MY CHECKING FROM JUST THE CHECKING FRAUD. NEVER SEEN THE MONEY ( NAME OF CHASE MANAGER - XXXX XXXX ) MY MEDICAL TOOK A TOLL. YESTERDAY I SPENT NEARLY 6 HOURS AGAIN TRANSFER AFTER TRANSFER THEY CAN SEE THE RED FLAG PAYMENTS MADE OUT OF MY CHECKING TO CHASE BANK CARDS .LITERALLY CLEARING MY LIFE SAVINGS. 
I AM TOLD A POLICE REPORT ISN'T ENOUGH. I NEVER MADE THESE PAYMENTS. SCAMMERS HAD ACCESS TO EVERY ONE OF MY ACCTS. CHECK BOOKS AND MORE. SAME FRAUDULENT CHARGES ON ALL CARDS ONLY CHASE BANK REFUSES TO RETURN MY MONEY- ALMOST 30 YEAR CUSTOMER HIT BY THE SCAMMERS THATS HAPPENING TO PPL DAILY. 

CHASE TOLD ME NO. I HAVE TO.PROVE HOW SCAMMERS DID IT. I WAS SHOCKED..YET THEY ACKNOWLEDGE THE FRAUD AND REMOVED IT OFF 3 CREDIT CARDS BUT WON'T RETURN MY LIFE SAVINGS PAID OUT TO THEM WITHIN 2 MONTHS BACK TO BACK TO SAME FRAUDULENT VENDORS ACROSS THE BOARD. 
XXXX AND XXXX AND XXXX XXXX REMOVED AND RETURNED BUT CHASE REFUSES TO GIVE ME MY MONEY. 

I AM SICK VERY SICK. THE AMOUNT OF EMOTIONAL DAMAGE ON TOP OF MY XXXX XXXX XXXX I FACE DAILY DUE TO CHASE BANK IS ONLY GETTING WORSE. 

LITERALLY ON VERGE OF XXXX XXXX XXXX XXXX THAT A BANK I TRUSTED CAN SEE THE RED FLAGS. THEY CAN SEE THE NONSTOP PAYMENTS TO FRAUDULENT CHARGES THAT I DIDNT MAKE. BUT BECAUSE IT CAME FROM MY ACCOUNT I AM TO BLAME. 
MY ENTIRE ACCOUNTS WHERE TAKEN OVER AND COMPROMISED AND CHASE KNOWS THIS BUT STILL WON'T RETURN OVER {$80000.00} OF MY MONEY. 

THEN, KEEP TELLING ME I HAVE TO PROVE IT WAS SCAMMERS. I AM IN UTTER DISBELIEF. 

IN XXXX MY INFO WAS USED AS ATTEMPT TO COLLECT UNEMPLOYMENT THANK XXXX. MY JOB CAUGHT IT IN TIME. 
I TRUSTED CHASE BANK. THEY KNOW THEY ARE WRONG. THEY TOOK MY LIFE OVERNIGHT AND I CAN BARELY AFFORD TO EAT OR LIVE DUE TO ALL MONEY PAID TO CHASE BANK!! 

THEY KNOW MY CHECKING, MY CREDIT CARDS, XXXX XXXX  XXXX EVERYTHING WAS BREACHED..

PLEASE HELP ME. 
PLS. I AM BEGGING WITH MY LIFE. 
I AM LITERALLY SICK AND GOTTEN WORSE. EMOTIONAL DAMAGED. MENTALLY DAMANGED FROM CHASE.BANK. MY XXXX XXXX XXXX IS HITTING HIGHS DUE TO CHASE. 

I BEGGED FOR OVER 6 HRS YESTERDAY TRANFER AFTER TRANSFER. 

BEEN FIGHTING FOR MY MONEY A YEAR NOW. 

XXXX PLS HELP. 

XXXX XXXX
Product: Debt collection

Eagle recovery has called me multiple times on my cell phone and at work saying I owe over XXXX on a bill I 've paid. They have threatened to serve me with papers at my place of employment if I do not pay over the phone. I checked and I do not owe this debt. It has been paid. I told eagle recovery to not call me at work or on my cell again because I do not owe anything. They continue to call.
Product: Checking or savings account

I tried to login to my TD Bank online account and it's still blocked. They require for me to go to the branch with covid-19 pandemic to witch I refused. I can do a video call and they said no. I don't want to meet with anyone since I have insufficient immune system and contact during pandemic is not good. I would like for them to unblock my online account and send me a new card or send me my funds via check and they are not helping me, it is very frustrating in this hard times for me and my family since we need food. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am extremely upset regarding the recent Equifax security breach which has exposed the private information of over 143 million consumers to potential fraud.
The credit reporting agencies need to be regulated and monitored. They need to be held accountable to both the Government as well as to each individual whose data they failed to protect ; especially when the breach was caused by GROSS NEGLIGENCE on the part of the credit reporting agency.
I read an article just a few minutes ago which stated that this all could have been avoided had Equifax applied a software patch that was released back in XX/XX/XXXX. This is INEXCUSABLE and they should be made to pay dearly for their severe error in judgment and failure to protect the private information of so many people. I 'm not talking about a lousy year of " free '' credit monitoring - that should be provided for LIFE to all involved, not just for a year.
I was also quite unnerved by their apparent " magnanimous '' effort to soothe the public by saying that they would not charge for applying or removing credit freezes - FOR 30 DAYS! What nerve! They allow our data to be stolen and try to make us feel like they 're doing us a favor by not charging us to protect ourselves from a situation that THEY caused! Consumers should incur NO FEES whatsoever in instances like this.
I ask that you take whatever action necessary to see that this kind of thing never happens again and that if it does, the company involved will feel GREAT PAIN for their irresponsibility.
Thank you,
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$1800.00} XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XXXX Balance Owed : {$950.00} XXXX XXXX XX/XX/2022
Product: Debt collection

IC System is reporting on my credit reports an amount of {$510.00} they have refused to provide documentation of validation and/or verification of this amount following two written requests.
Product: Credit reporting or other personal consumer reports

I asked Transunion to verify the account numbers listed on my credit report. They did not verify the information. 
XXXX however, researched my complaint and verified the account numbers were incorrect and deleted the account numbers and all associated information. 

We can not have 3 credit reporting agencies reporting differing and inaccurate account information.
Product: Mortgage

My husband is a XXXX veteran at XXXX XXXX. Due to this XXXX, we qualify as exempt for property taxes in Illinois at XXXX XXXX. This paperwork has been submitted to the mortgage company and has reflected on our payments for the last 6-7 months. 

A new escrow analysis has been performed and the mortgage company is trying to raise our monthly payment from {$670.00} to {$1000.00} due to property taxes. 

I have personally paid the property taxes in full for the year directly with the county, of which I have proof of. The mortgage company has all of this documentation for the exemption and the proof of full escrow payment for the year of 2022. The mortgage company continues to try and raise our payment. I believe this is discrimination against a XXXX veteran. 

I have tried multiple times to rectify this with the mortgage company but for some reason they will not lower the payment where it should be.
Product: Checking or savings account

So back in XX/XX/2016, when paypal among others were hacked. As a result i suffered heavy losses. My back account was linked to my paypal account. I still have the letter from paypal claiming that i was not at fault and that none of these transactions were authorized. I kept all the copys in my email account. I have been fighting this case since. There were multiple transactions of XXXX . One of my old paypal accounts was hacked into from a different state. I was living in texas at the time. And paypal sent me a warning that one of my accounts was hacked after the fact. Im missing over 3000 $ not to mention the nsf fees and the money from my checking account. I was told when i filed with IC3 and XXXX  that they would contact me asap. Only recently did i get contacted almost 3 years later. I really want to have my money returned to me as it was hard earned money from a dead end job. Paypal has tried many times to collect this debt from me dispite thier previous claims that i wasnt at fault. If you checked my old paypal account im sure you would see its still 3500 $ plus negative. This company has been XXXX me over left and right since that attack. I have lost countless money to paypal and being forced to open new accounts just so i could have a payment option. Please help me. I really want to sue them. Ive tried everything to get them to understand.
Product: Payday loan, title loan, personal loan, or advance loan

I was sent a text message yesterday XXXX stating that I was able to apply for a Check and Go loan and to start the process click the link. I did not click the link and deleted and blocked the text message. Today XXXX, I received a text message stating my recent application was accepted. Told me to click the link for details. http : //login.checkgo.org/MtHugnMu. I didn't apply for this and do not want anything to do with this. I don't want to click the link due to phishing. I really want to know if this is phishing or if someone has hacked me and has my information.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXXXXXX
Product: Debt collection

This company has been calling me using a robo-dialer at lease once daily for over a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX  Account ending in XXXX and XXXX has violated my rights 15 U.S.C 1681 SECTION 602 A STATES I HAVE RIGHTS 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
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Checking or savings account

I use Wells Fargo for all my banking needs and have been a member for many many years. On XX/XX/XXXX I used my bank to transfer {$400.00} ( via Wells Fargo app ) to pay for concert tickets via XXXX. By using my Wells Fargo acct I was under the assumption that my money was insured and secure. The transfer went through. I never received the tickets and the person I was purchasing from declined my calls. I called the bank an hour after the transaction and they said they are unable to cancel it. I also filed a police report. They said they will investigate it. After 2 weeks, I received a letter saying they are not responsible and will not reimburse me even though I used their app XXXX for Wells Fargo.
Product: Credit reporting or other personal consumer reports

LEXISNEXIS continues to downplay the importance of credit reporting in reference to Consumer Number XXXX Case Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> This is my third time sending the same information. Please stop and remove bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit and saw another account from XXXX XXXX XXXX XXXX for XXXX XXXX. I actually paid this debt last year and this should not be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am personally submitting this complaint. Please view the attached items as they will show proof of my identity and proof of my complaint.