23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

TEK-Collect has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Checking or savings account

XXXX and Paypal wont let me in my accounts. They do not seem to care. I have other thing to do. I have Civil Rights, I want access to my Paypal and XXXX Acoounts. Look ITS MY MONEY. I WANT IT ToDAY, not tomorrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent activity on my Experian consumer report.
Product: Credit card or prepaid card

I have a Walmart Credit Card account which had a balance of {$550.00} I have paid this account on time and can prove it. My most recent payment was one day late, my payment was due on XX/XX/XXXX and I paid it on XX/XX/XXXX and was charged a late fee of {$35.00}. I am personally in the process of obtaining a mortgage so there are inquiries that reflect that on my report. I spoke with a credit rep at Synchrony XXXX and they told me that my credit amount on my card was due to a negative credit check. My credit actually increased, so that was a lie. It looks to me that Walmart saw that I was applying for something and since my credit utilization had decreased with the card, they lowered my credit on the card which actually increases my credit utilization and basically lowers my credit score which could hurt me with obtaining a mortgage. I am an XXXX American woman who is hard working daily and me and my family are working hard to obtain the dream of home ownership and should not be stopped by big corporations like Walmart and Synchrony.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX updated my credit reports in XXXX reflecting 30 days late in XXXX. While in XXXX, my account reflected current. In reaching out to them, the response I keep receiving is the system is generating the updates. Reviewing my credit report, they are updating at least 3 times a month. In XXXX, my file was updated on XXXX XXXX & XXXX. My XXXX file was reported late on but then revised to reflect current on XXXX. At that time, XXXX and Equifax reflected current. On XXXX, both XXXX and Equifax are reflecting late in XXXX while XXXX is still reflecting current.
Product: Credit card

In XXXX and XX/XX/XXXX, after losing my credit card, I noticed over 60 unauthorized transactions totaling more than {$2000.00}. I immediately contacted Chase and filed a fraud claim, for which I received a refund of the disputed amount ( and the credit card is deactivated ). However, on XX/XX/XXXX, Chase reversed the refund by recharging my account for ~ {$2000.00}, claiming they found no evidence of fraud. On XX/XX/XXXX, I visited a Chase branch, and with the assistance of the branch manager and a representative from the fraud department, my claim was reopened. Yet, on XX/XX/XXXX, I was informed that the investigation still showed no fraudulent activity and that the transactions were made using XXXX XXXX on the same device I currently usea claim that is impossible since I have never made purchases with my phone on those transactions. ( for example, my card never had any transactions associated with stores like XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX before the fraud happens )
Product: Payday loan, title loan, or personal loan

I took out a loan with mobiloans when I encountered some financial hardships. They present the loan as a line of credit but what was not made clear, and was very deceptive, is that the charge a very high fixed fee every two weeks, which means that out of your biweekly payment, only a few dollars actually goes towards your principal balance. Mobiloans also told me that there are no prepayment penalties, but when I tried to pay down some of the principal balance, they instead applied it to the following fixed fee scheduled. 

I emailed mobiloans and explained what happened, and that I want to make a payment toward the principal balance. The reply to my email was that I need to call customer service if I wanted to complete that action. When I called customer service, they said I can not do that because the fixed fees are fixed, and you have to pay them every two weeks. 

This is fraudulent and predatory practices and trap consumers into an endless cycle of fixed fees that equate to over 400 % interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit reporting agency deleted XXXX XXXX XXXX and XXXX account off my report last month after there investigation now on this months report they both have been re-instated this is wrong I contacted legal advice and was told once an account has. Even deleted it can not be reinstated again. Due to this my credit score went eay down again
Product: Credit card

Capitol One put a 30 day mark on my credit in XXXX 2016 but my bank Capitol One rejected my deposit and I was given different reasons as to why they did that. I need all of the credit marks removed, I have asked Capitol One bank to send a letter detailing this information but they claim they ca n't send a letter just the terms and conditions. I need a letter that states they received the amount of {$340.00} but they sent it back, a supervisor advised me that they ca n't do that. It is not my fault that Capitol One Bank rejected my deposit because it was money orders, but their website does not say they do not accept money orders. I do not think I should be punished for what Capitol One bank did to my deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 bureaus to validate this account ( A ). 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 delete : XXXX XXXX  XXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Product: Credit reporting

I checked my report on XX/XX/XXXX and noticed that a account for XXXX was deleted from the credit file and today when I checked my credit file after spoking to a representative of Equifax they refuse to honor my request and claim that they do n't see anything in there system showing that this account was removed. Equifax failed to notify me via mail of the reinsert which according to the FCRA with five days that they will be reinserting this account.
Product: Vehicle loan or lease

In accordance with the fair credit reporting act XXXX Acct. # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

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 any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- XXXX ACCOUNT XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Checking or savings account

I opened an XXXX bank account on XX/XX/2022. They advertised that I could get {$230.00} with the following steps : 1. Open a new XXXX Checking account using the promo code XXXX. 
2. Opt into eStatements and download the OceanFirst Bank mobile app. 
3. In at least XXXX monthly cycles, receive {$500.00} in direct deposits. 
4. Bonus will be credited to your new account on the first business day after your 90-day account opening anniversary https : XXXX : XXXX I finished all steps, but I didn't receive the bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I filed CFPB complaint # XXXX against Transunion and I requested that Transunion remove a Fraud/Security Alert from my Credit Report/File. On XX/XX/2018 Transunion closed out the complaint by responding that they will not remove the fraud alert from my credit file until I prove them with verification of my Social Security number. Transunion also responded that a current driver 's license and social security card are acceptable forms of identification. Because of this, on XX/XX/2018 I filed CFPB complaint # XXXX against Transunion. In this second complaint I provided Transunion a copy of my valid current California Driver 's License and Social Security Card issued by the Social Security Administration. On XX/XX/2018, Transunion closed the 2nd complaint by responding that they are unable to delete the Fraud Alert since the address on my driver 's license does not match their database. This is false. The address on my driver 's license is on my credit report/file. Transunion also responded that a social security card is not an identifying document. This contradicts Transunion 's response under CFPB Complaint #  XXXX. ( please see page 2 of Complaint # XXXX ) Transunion is not properly handling CFPB complaints and consumer disputes. In addition to this, Transunion regularly marks disputes as " duplicates '' in order to avoid responding to them and in order to avoid addressing the issues raised in the disputes. This will be addressed in a separate CFPB complaint specifically for that issue. Please remove the fraud alert from my credit report and stop violating consumer protections laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an invalid collections placed on my credit report with Equifax, XXXX and XXXX online. XXXX and XXXX removed the collections account from my credit report within days. It took Equifax approximately 30 days to return a decision that the collections account was verified to be mine. 

I reached out to the collections agency through the phone number listed on my Equifax account. I told them that I needed proof of account ( original agreement ) for a collections that they placed on my credit report. They asked me my name which I provided. They then asked me if my dob was XXXX, which it is not even within 10 years of my dob. They then asked me for my address. They told me that they did not have an account associated to me. 

I created a new dispute with Equifax for the same collections account. This time I also called to speak to a representative. I let them know that I had not done any business with XXXX XXXX of XXXX ( the original creditor ) and that the collections account was not mine. First I was told I would have to wait for the 30 days again. I told the young man that it was not good enough and told him how I had contacted the collections agency. He then told me that I needed to prove that the account was not mine. I told him that it is impossible to prove a negative and that the creditor is responsible to prove that the debt is mine and that they are supposed to validate that information. I asked for a supervisor ( operator id XXXX  ) and told him the same story as before. He too refused to help me so I asked for his XXXX. I was transferred to XXXX ( XXXX ) in the Consumer Affairs department who refused to assist as well. I asked again for a XXXX. I asked for verification of the debt that they had been provided in the validation of the original dispute. I was told they do not provide to the consumer. He told me to contact the creditor. I told him how I had already done so and they could not locate a debt that matched me. The Equifax operator then told me to get the creditor to provide a letter saying that I dont owe them anything. I told him it is the creditors responsibility to prove I do owe and not for me to prove that I dont. I then asked for information on how to contact the Consumer Financial Protection Bureau. He told me I would have to XXXX it. I also asked if the call had been recorded and was told it was. I asked for a copy or transcript and was refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account below is reporting and do not belong to me please remover XXXX XXXX XXXX. 
Reported : XXXX XXXX, 2022 {$2600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am requesting the removal of a bankruptcy from my Experian report, and XXXX XXXX report. Per tge FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not validate the information with the original Creditor, they must remove said information from the consumer credit file ''. 

Bankruptcy Case number # XXXX The County Recorder of Deed and Bankruptcy Courts have mailed me letter which stated thaty do NOT provide any nformation to credit reporting agencies, nor do they ever validate and/or confirm pubic records. Public records information is NEVER valiated by the Recorder of Dees nor the US COurt system due to the Fair Credit Reporting Agency Privacy Law. 

Per the Federal Credit Reporting Act, section 609 ( a ) ( 1 ) ( a ), you are require by federal law to verify through physical verfication of the original signed consumer contract and or judgemnt all accounts public information that you post on anyon 's credit report. As such, if this unauthorized pubic recored information is not deleted from my credit report within the next 30 days.
Product: Credit card or prepaid card

On XXXX-XXXX-18 I emailed that XXXX XXXX tried to take the payment from my savings ( this has never been authorized. I setup the automatic payment to be pulled from my checking which has been pulling until the past couple of months ) and that because they pulled from my savings and not my checking that they caused me a {$28.00} fee from my bank and that now I will be charged a return fee by them. 

Their response " You can change the routing or checking account number from which your online credit card payment will be debited the next time you make an online payment. Simply select " Payments & Transfers ' at the top of the page. Click the " Add a new account link located under the " Form '' dropdown menu to enter the new designated bank account information. Once you click " Submit '' you will have the opportunity to immediately make a payment from the updated information. Please note, your new acct information will not be saved until you make a payment using it. If you need further assistance, please call us at XXXX or send us an email. 

My response through email " You are missing what I said. I did not at any time change it to pull from savings. I do not want to be charged a late fee by you. I also want you to refund the {$28.00} fee I was charged by my bank. You can do the research to see I authorized the payment to automatically be pulled from checking. I have NEVER authorized the payment out of savings. Please let me know when you will be refunding the {$28.00}. If you are not able to I will look to talk to a supervisor and possibly an outside company that can look into the fraud that has taken place.
Product: Debt collection

I was a victim of Identity theft. These accounts are unauthorized, and I owe no responsibility to any of this debt.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX, XXXX  - XXXX, XXXX- XXXX, XXXX - XXXX, XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXXI - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX- XX/XX/XXXX
Product: Mortgage

Nationstar acquired my loan on XX/XX/2014 but incorrectly used my old terms instead the new modified terms. When they finally admitted their mistake in XX/XX/XXXX, they only reversed 2 months instead going back to inception of my loan loan ( XX/XX/XXXX ). 
THIS IS NOT A DUPLICATE CASE.
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> Unauthorized inquiries : My information may have been impacted by the XXXX, XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists
Product: Credit reporting, credit repair services, or other personal consumer reports

Sams club employee pulled my personal information instead of business information
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2018, I had to call the police as the apartment I was living in was broken into. 

I filed a police report with the responding officers and was told by the leasing office, aka XXXX XXXX, that I would need a police escort to retrieve my things and they would absolve my lease. 

Several months later a bill for {$4800.00} appeared on my credit reports. XXXX XXXX. 

The statute of limitations for Oregon rental debt is one year. 

I attempted to call Equifax and explain this but the person on the phone stated it would be on my report for 7 years regardless. 

When I asked about the Oregon State law she seemed not to care. 

XXXX took it off my report, XXXX said they are disputing and XXXX XXXX called the police and asked I not contact them again. 

I feel as if I am being extorted for a fraudulent debt I'm not liable for and unsure of what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings credit reporting agencies, my name is XXXX XXXX XXXX, and I as a consumer, have observed that my information on my consumer report has been inaccurately and incorrectly furnished! Below are the creditors and companies that have violated my rights as a consumer for publishing my personal information without my written consent according to 15 U.S.C 1681 section 602 A and 15 U.S.C 1681 Section 604 A Section 2. Please take a moment to look at the accounts below that are being incorrectly furnished on my consumer report, and I as a consumer whose rights have been violated, I fully expect to see some positive changes to my report immediately thanks! 

In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX  # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX # XXXX, has violated my rights. 

In a ccordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting Act, XXXX # XXXX, has violated my rights. 

Now, below are the motives as to why these violations on my credit report NEED TO BE completely removed from my report! It is a violation of my consumer rights, and the information on there is being inaccurately reported, and I did not give any creditor nor any company WRITTEN CONSENT or PERMISSION to furnish any of the data above to my consumer report! The companies/creditors who are publishing my personal information to the consumer report is also a violation of my consumer rights, because I, as a consumer, have the right to privacy, and the creditors are clearly not respecting that! This is unacceptable and I would like action to be taken IMMEDIATELY in the works of fixing my consumer report! 
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

Collection item reported on credit report. Attempted to dispute via credit reports AND also contacted the collection agency as this debt is not mine. The collection agency has not answered the phone every time that I have called to dispute item. According to what is reported, the name of the collection agency is listed as XXXX XXXX XXXX, REEL TIME CAPITAL, and XXXX XXXX XXXX. They are stating I owe XXXX dollars from a loan taken out in XX/XX/2020. I have not taken out a loan with these companies in XXXX or any part of 2020. The address of this company is XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX and the phone number I have attempted to call is XXXX.
Product: Debt collection

I see that this collection agency is reporting on my credit reports and I was unaware of what it was for. I called the company and was told that the debt was from an XXXX. I have no idea about this company I requested proof of debt I was sent something with a signature that is n't mine. I am a victim of identity theft. I also asked them to send me proof of their rights to collect the debt and the date that they took over the debt, their license number, and proof that they have the right to collect in my state. The only thing I 've received via mail is a contract that was n't my signature.