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

I have recently within the past two or three months disputed this information FROM XXXX XXXX ACCOUNT # XXXX that popped out of nowhere, as not being mine and not belonging to me. Also to add this account seems to be a corporate account which is not mines and is reporting in my personal consumer credit file. I have contacted XXXX and Experian in regards to this fraudulent account and they are clearly in violation of my rights and FCRA for reporting this fraudulent information in my consumer credit file. It is not reporting in my XXXX file because when contacted them they clearly understood that this account was not mines and removed it immediately. This is causing me Great personal harm and making it extremely hard for me to obtain any type of new credit in my name.
Product: Debt collection

These companies as I explained I have never signed a contract with or have any knowledge of this collection company my personal information was sold or passed on with out my knowledge after several attempts to have them removed nothing has happen
Product: Debt collection

What occuured is that I recieve a email about a debt that was presented to the orginal creditor as fraud.The creditor was XXXX XXXX, which supposedly sent the debt to the company or collection angency call Alliant Capital XXXX XXXX on XXXX XXXX, which inidctaed that to dispute this debt I had until XXXX, which I disputed the whole amount because it was fraud and the information was changed after this account was open.The account was open XXXX XXXX and the information was changed after opening of this account XXXX 5,2021.With Alliant Capital XXXX XXXX there was a timeframe to dispute this amount until XX/XX/year>, which I disputed the whole amount on XXXX XXXX, because of fraud after opening of this account.It is reporting on my credit report after sending Alliant Capital/XXXX XXXXXXXX XXXX the police report , FTC report that relates to this fraudulent account and a written affavidait that was signed and notarized in XXXX of XXXX  about how the account was open after changing the account information after opening in XXXX XXXXThe account is showing up on my XXXX credit report and showing up on my XXXX as closed account.This account was from XXXX XXXXXXXX which I have tried to fix this account with XXXX XXXX as well when XXXX sent an email on XXXX XXXX that I do not have an account XXXX  XXXX and thank me for appyling.XXXX sent an email stating thank me for applying which I did not apply for this account on XXXX XXXX have already submitted a complaint with the CFPB about XXXX XXXX
Product: Credit card or prepaid card

Its eppi card Pennsylvania. They suspended my card and spent hours, at least 6 to 7 hours trying to get a live person to talk to me. When I finally got to talk to someone, she told me my card was suspended because I used it at a XXXX XXXX restaurant and that was unusual spending, she then put me on hold to condiment fraud and they told me to email my state I.d and other information and I did 4 times and they still haven't helped me with my card. I called several times and they always give me the run around and hang up on me and tell me the same thing about emails and it will be fixed and nothing gets fixed. I had read several reviews online and it seems to be a scam this company is pulling on ppl and stealing there funds from the eppi cards. I need help getting my card unsuspended fast. This is my only income. And the ppl from eppi card and conduent are very rude when you finally do get to speak to them and hang up on you and just say the same thing with no help at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, have violated my rights as a consumer.

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 an account without my written instructions.
Product: Debt collection

CREDIT MANAGEMENT is ruining my credit trying to collect a debt for XXXX that does NOT belong to me. It's not my name nor my address on the debt. Someone used my social security number for the debt that is NOT mine. This debt for {$890.00} does not belong to me. I did not open this account with XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of consumers below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
EQUIFAX, XXXX, XXXX have violated my rights along with XXXXXXXX XXXX allowing a late payment reporting to my report. 

Creditor : XXXXXXXX XXXX  Dates : XX/XX/XXXX & XX/XX/XXXX Account # XXXX 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. 
I demand these late payments be removed immediately with an updated copy of my report mail to me for conformation.
Product: Money transfer, virtual currency, or money service

In XX/XX/year>, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX who offered outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. 
Money was transferred from my account via an intermediary named XXXX in the total amount of XXXX USD utilizing Discover Bank 's services. 
I was invited to the trading chat group on XXXX and was told that we will receive guidance from a team of analysts of a person going by the name XXXX XXXX XXXX. 
I exchanged money to crypto currency on XXXX, then moved that money to XXXX  trading platform. I started in XXXX and was earning " profit '' through these trades. We were getting trade signals almost everyday, and just followed the trade signal to earn profit. However after trying to withdraw said profits, their website was not working anymore and I could not reach the person who has been helping me with my account. Even the XXXX group went silent after that day. 
I tried bringing this matter to the attention of Discover Bank and ask for their assistance, however they closed my complaint saying I did not provide them with the necessary evidence, even though I sent everything they asked for.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1
002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Consumer Loan

Conns Credit Corp is reporting a late payment on my credit reports in violation of FCRA 623 a 7. They never sent out a bill or Notice as required under FCRA 623 a 7 to notify me that they were and had reported a late payment. I requested that Conn 's Credit Corp not call me because they violated the TCPA and I requested that they stop all other communication except in writing and they never and still do n't send out invoices like I requested from them in writing and over the telephone. I have all receipt of my payments and none of the copies of my payment receipts show that they were over 30 days late. I never received any mail from them about late payments, when they are reported, how they are reported.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX, ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX, ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I entered into a small loan agreement with XXXX, XXXX by utilizing their website at XXXX. Unknown to me at the time, XXXX, XXXX, and their supporting partner, XXXX XXXX XXXX, initiated this loan in violation of Ohio Consumer Protection laws, to be exact, Ohio Revised Code 1321.36. This loan is paid in full, however, XXXX , XXXX is reporting this account illegally to my Experian credit report. 

I have tried to resolve this with both Experian and XXXX, XXXX XXXX, XXXX refuses to  follow state consumer protection laws and continues to illegally report this account on my credit report. Their argument is that XXXX XXXX XXXX ( who does not even appear on my credit report ) is legally allowed to enter into this loan according to 12 U.S. Code 85.

The Dodd-Frank Act allows state consumer protection laws to supersede federal lending laws when there is no discrimination present against the bank. Ohio Revised Code 1321.36 simply states that " all '' short term loan lenders must be licensed by the State of  Ohio to provide short term loans. Because neither XXXX, XXXX or XXXX XXXX XXXX  are licensed to provide short term loans in the State of Ohio, they are in fact illegally reporting this information to Experian. Licenses can be searched online at https : XXXX.
Product: Credit card

We charged an XXXX to our Chase Sapphire card on XX/XX/XXXX for travel at the end of XXXX. On XX/XX/XXXX, I was seen for a life threatening condition that required XXXX. My doctor filled out the form required by the company, stating I was advised not to travel during the dates we had booked the XXXX. Our Chase Sapphire card promises to reimburse for illness or injury when documented by a physician. I submitted two doctor 's notes, along with 5 other forms required by Chase 's BenefXXXX XXXX, XXXX. Each time I submit the documentation, they ask for the same documents or claim they don't have enough information. In addition, they require the issue to be resolved within 90 days. l have uploaded documents immediately but they take 10 business days to reply delaying the resolution. Considering I have all required documents submitted and a physician statement, the {$760.00} balance should be refunded to the credit card.
Product: Mortgage

I refinanced my loan in 2019. 30 year fix FHA. I have been paying PMI every month. Currently my loan balance is {$140000.00}. The value of my home has changed. It has been appraised at {$200000.00} only for the house. I have XXXX acres valued at {$300000.00}. Because my property value has increased greater than the balance of the loan. I should terminate PMI. The company refused and stated in 2019 FHA made PMI continuous for the life of the loan. After researching, I can remove the PMI.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXAccount # 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 or other personal consumer reports

I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. I have tried reaching out to these companies and they will not abide by the law. Please help me get these fraudulent accounts removed. I can not obtain a place to live due to these accounts hurting my credit. Being a fraud victim is a horrific experience. Thank you so much for your assistance in this matter. 

These fraudulent accounts are the last ones still showing on all XXXX credit bureaus. XXXX, Equifax, and XXXX XXXX XXXX XXXX {$910.00} opened XX/XX/XXXX XXXX XXXX {$2100.00} opened XX/XX/XXXX XXXX XXXX XXXX {$500.00} opened XX/XX/XXXX XXXX XXXX {$880.00} XX/XX/XXXX XXXXXXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX has the amount as XXXX But XXXX has the same student loan as XXXX they doubled it and I keep telling them it is incorrect
Product: Consumer Loan

after speaking with Prestige financial regarding my inability to pay they assisted with a deferment for XX/XX/XXXX and XX/XX/XXXX due to job loss acct is currently 17 days late I contacted the company to advise of employment at XXXX XXXX - which is employer previously on file due to lay offs and that first pay would be XXXX/XXXX/XXXX in which is not a 30 day delinquency. Payment are due the XXXX of every month. I was threatened by repossession by XXXX XXXX who has been the acct manager of the acct for the last 2 years. account has been opened and in good standing since XX/XX/XXXX w/o any negative reported delinquencies. I have always made more than the monthly due which is XXXX monthly and was never advised of late fees needing to be paid immediately however I was quoted a XXXX balance and was threatened that if amount was not remitted including fees I was be repossessed. This was a surprise because prior to XX/XX/XXXX and XX/XX/XXXX deferment I was paying 400 monthly and was never advised of the fees nor given the option to execute pay down of late balance- He utilized the late fee balance as a tactic to put fear in me. I 've spoken with XXXX each month a payment was made and Never was I advised. correspondence was by phone -initiated by me and email- considering I was on a cease and desist. due to prior harassment calls prior to my due date. I was yelled at and disconnected on by XXXX XXXX when trying to create a resolution and promise to pay. I called back and spoke with customer service - this all happened on XXXX XXXX XXXX who escalated my call to a VP I left a voicemail advising of the situation and provided and account number and a brief description of my call and as of now its been 7 days and no follow up from Prestige Financial. In the recording I made it clear to immediately change my account manager.
Product: Credit card

On XXXX XXXX, 2023, XXXX contacted me stating that someone ( JPMCB ) had looked at my credit report. At the same time, we received an email stating that someone had completed a request for a credit card in my name from the same company. I did not initiate any of this. 

XXXX put us into contact with people from JPMCB. They needed a social security number to find the credit card application, which was filed online. When this was located, they canceled the application. 

XXXX then put an alert on my credit report through XXXX. 

At this time, I do not believe I lost any money. However, it appears my personal info was compromised.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX  XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

I got a paycheck ( {$1800.00} ) and went to deposit it at the Chase ATM on XX/XX/23. I got an error message saying the check couldnt be processed, but the ATM never returned my check, nor did I receive a receipt. I went to inside the branch to speak to the teller to grab my check from the machine, but apparently they dont have the clearance to just open the ATM machine. They gave me a customer support number to call to file a claim. I called customer support I gave them all the information and they told me to wait 2 weeks for them to investigate. I had told my employer about the situation and they tell me the check has already been cleared and funds debited from their account, and deducted from their account. I even faxed a screenshot of the transaction from my employers side XXXX XXXX  XXXX XXXX ), that the funds had been taken from their account, even though according to my employer XXXX says the check is pending transaction. 

Fast forward 2 weeks, I call customer support and they tell me the check is not found, so they cant return my funds. Someone on the Chase side processed my check and has my money hostage. They closed my case and said there is nothing they can do to help me. I went into the Chase branch today to follow up. The representative mentioned that they are going to escalate the matter to another department. The did not mention how long the process would take. My employer also filed a claim on the XXXX  side. XXXX said they will investigate, but the process could take up to 90 days. I cant sit around 90 days to potentially be told the same thing today and not have my funds reflected on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

when XXXX got breached in 2018, I was a identity theft victim. Since then I been a victim of multiply fraudulent accounts appearing on my credit report. I filled a police report and made several FTC identity theft reports. XXXX sent me a letter stating they are above the law ( Fair Credit Reporting Act ) and they can circumvent the law ( Fair Credit Reporting Act ) by not block my fraudulent accounts within 5 days, but at XXXX XXXX discretion. If my information would have never been " hacked '' or " breached '' by XXXX I would have never been in this situation. I have attached my letter of demand and affidavit along with my FTC report number and letter for your review. I want XXXX to stop circumventing the law with excesses to send letters to 3rd party furnishers and do there job as the law pertains. I am currently working on 3rd party furnishers but XXXX  refuses to follow my demand concerning the law ( Fair credit Reporting Act ) section 605B. ( Please see attachment )
Product: Credit reporting, credit repair services, or other personal consumer reports

My First & last name are as follow : XXXX XXXX XXXX My Current Street Address are as follow XXXX XXXX XXXX XXXX 
XXXX SC XXXX After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I ask my lawful right, for any names and addresses other that what I have listed above and below be removed immediately as they are not accurate and untrue. 

My First & last name are as follow : XXXX XXXX XXXX My Current Street Address are as follow XXXX XXXX XXXX XXXX 
XXXX SC XXXX XXXX After you have completed my request, please send me a copy of my credit report reflecting these changes. 

My Current Address is : XXXX XXXX XXXX XXXX 
XXXX SC XXXX Sincerely XXXX XXXX XXXX