23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

One Main Financial calls repeatedly all XXXX  long and XXXX. XXXX  alone I received XXXX calls from them. XXXX I received XXXX calls. I have communicated when I get paid and that I can not pay right now but will get them caught up as soon as possible. The constant calling is harassing.
Product: Student loan

Few months ago, consolidated all three of my student loan with Nelnet. Was advised by mail that my consolidation was approved and I have one student loan. Check my credit report and noticed two new Nelnet student loans instead of one. The two loans account number are ending in XXXX and XXXX. Received account statement from Nelnet and it states, that I have one student loan ending with account number XXXX with balance of {$23000.00} which is correct. Moreover, it is not reflected on my credit reports. Attached are documents.
Product: Debt collection

Early XX/XX/XXXX ' I noticed a delinquent amount of {$1800.00} on my credit report from company Credence Resource Management. the only reference I could locate was " XXXX XXXX XXXX  '', this doesn't align with anything I have a record of. I disputed this charge via credit agencies XXXX and XXXX and I also sent a certified letter to Credence on XX/XX/XXXX requesting further information about this debt as I never received a notification ( mail or phone ) from them. I have confirmation that they received the certified letter on XX/XX/XXXX requesting further details, but no further information was provided. On XX/XX/XXXX I called Credence at XXXX and talked to a representative requesting further information. I confirmed with the rep they did not have any of my contact information for this debt ( mailing address/ phone number/email ) and the only thing they could tell me was the charge is associated with an account opened with XXXX on XX/XX/XXXX. I do not now or have ever had an account with XXXX, yet they insisted it was my account even though they provided nothing that ties me to the account. I requested they provide in writing all the information they have associated with this, but as of yet nothing has arrived. 
Not sure what more I can do to get this cleared. I have put a lock on my credit in case this is associated identity theft. Any help is greatly appreciated.
Product: Prepaid card

On XX/XX/year>, someone hacked into my CashApp account and took {$60.00}. I contacted Cash App about the issue and they denied me twice. I sent them several emails explaining the data breach and they still refused to reimburse me my money. Ive sent the the data breach email I reviewed from XXXX and CashApp still denied my claim. 

Please help resolve this issue. 

Thank you.
Product: Prepaid card

Every single time that my payroll is deposited, I'm only allowed XXXX cash withdrawal on my card within a business day. XXXX has falsely stated that customers can make daily cash withdrawals within their daily limits when in fact that is not true. My daily cash limit is {XXXX}. I can't withdraw that amount in XXXX transaction so every time I attempt to make a XXXX  withdrawal, it's declined. XXXX  has stated that it's a red-flag security feature and that customers should wait XXXX minutes before attempting a XXXX  withdrawal. Time after time even after the XXXX minute wait, my XXXX XXXX withdrawals are always declined. A XXXX XXXX manager advised me today to wait either an additional business day to make a withdrawal or to go into a bank and make a cash advance. XXXX XXXX has falsely presented itself to my employer as a trusted provider for business payroll services when it is in fact not. What is stated in their disclosure and fees does not reflect what customers are experiencing. Why should I be subjected to only {XXXX} of my hard earned money every time that I am paid? XXXX XXXX is based in the United States. I make all my cash withdrawals in the United States yet XXXX XXXX charges me an XXXX ATM withdrawal fee of XXXX} when their fees and disclosures shedule states that there's only a {XXXX} fee for domestic withdrawals. I'm in the XXXX on XXXXXXXX XXXX It's absurb. XXXX XXXX will say anything to get into business with employers regarding payroll services but they also need to be held accountable for the promises they claim yet fail to deliver.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  is reporting a charged-off account to ChexSystems with a closure date of XX/XX/year> and a balance of {$300.00}. This account is not mine, and I never opened or authorized it. The address listed on the report ( XXXX XXXX XXXX XXXX, XXXX, XXXX  ) is a relatives residence, not mine, and I have never used it for banking purposes. 

I submitted a formal dispute to ChexSystems explaining that this account is misattributed. I requested validation, including signed agreements or account-opening documentation, and received nothing. The information continues to be reported inaccurately. 

This is a violation of multiple sections of the Fair Credit Reporting Act : FCRA 1681e ( b ) : The information is not being reported with maximum possible accuracy. 
FCRA 1681s-2 ( b ) : XXXX failed to conduct a proper investigation upon notice of dispute. 
FCRA 1681g ( a ) ( 1 ) : No documentation has been provided to verify the origin of this account or confirm my relationship to it. 

The continued reporting of this unverifiable and incorrect information is causing harm to my ability to open new bank accounts.
Product: Checking or savings account

On XX/XX/XXXX I was supposed to receive my paycheck direct deposit from my employer and have not received it. Capital One can not give any answers as to when or why I have not received my money. Here we are at the end of business day on XX/XX/XXXX and still no funds or explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Eastern has not tried to provide real information on my credit reports. They use ready made answers to avoid having to actually verify a debt that their clients claim. Why is it that a Mortgage, car loan, bank loan, credit card, pay day loan or any other debt EXCEPT a false medical debt, includes two things : 1 ) A Contractual agreement. 2 ) A SIGNATURE. How is it? If the Consumer Finance Protection Agency will not help then perhaps the Texas Courts will. It is illegal to put false claims on ones credit, yet, Eastern has done it for their client. There is no proof of my being given the opportunity to challenge their false claims by notice as required by law. They only say so, no proof of service. They claim I owe money, yet they can not provide a contractual agreement or any other document save their invoice. Anyone can make up one of those. Thank goodness not many other crooks do this. Their placing this on my credit reports is just blackmail to get me to pay something I don't really owe. Texas law does not allow for any debt to be claimed or collected without a signed contract. Both parties must be signatories.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon looking at my credit report I found several I found several fraudulent accounts including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and there also several fraudulent hard inquiries which includes XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Charged Off ) MXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been waiting since the middle of XXXX to resolve this issue with chase : they have not responded in spite of several secure messages confirming they will follow up in a few days. XXXX with chase executive services is pulling the same nonsense. I had an ear injury and can not hear, they have denied accommodating this XXXX. They continue to stall this CFPB inquiry by saying they are still researching and working on this. There is nothing to work on. They over charged me, they lied about when they would assist me, Ive been hit with more late fees and now my credit score is being impacted and I was recently denied a personal loan because it have a late payment on my card! It would not have been late if they didnt take more than what I approved. Instead they took unauthorized funds from my account and have refused to correct this in a timely manner. And thats before the outright discrimination Ive faced attempting to get help with my new XXXX!!! Look at the attachments, Ive made countless requests and they say the same thing we will contact you in a 2 business days they never do!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Finance I am writing a final statement to inform you that I do n't believe I 'm treated fairly. My case with XXXX seems to get thrown out everytime without anyone taking a close look at it. I need a supervisor at both CFPB and XXXX to look over this case along with the account. It is a fraudulent error account on my credit report. I am only left to file a lawsuit against XXXX, TransUnion, & XXXX. This is a situation that has been ongoing for a couple years and it seems to get over looked. If no one looks after this case, I am left to file a lawsuit against the two bureaus along with XXXX. This is not a threat, i am fed up and wo n't allow a fraudulent error to remain on my credit report that is n't mine. This case has been looked over and someone needs to take a very close look at it and not allow it to be over looked this time around. If no one looks over this case correctly I will post all the credit bureaus and XXXX on public record if this gets over looked and a positive resolution is n't correct on my credit file. Please investigate this case closely. I sent in certified letters to XXXX, XXXX , & TransUnion to review this case and I asked for any documents from each credit bureaus along with XXXX and no one sent me any documents bearing my name or signature. It is very frustrating and embarrassing and comes with great pain to be going through a situation where a fraudulent error is torchuring my life and credit.
Product: Consumer Loan

I have been paying {$540.00} a month for a car XXXX XXXX XXXX 2014 my Apr is 18.10 % for 72 month for over two years since I bought the car. Something wrong with the calculation. From my under standing 18.10 Apr is way lower from what I remember. Cash down payment is {$4000.00} plus rebate {$2000.00} monthly is {$440.00} not {$540.00}. Please help. I also demand a copy of all documents I mean all even a receipt of my down payment they have nothing to give me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( a part of Experian XXXX makes it next to impossible to dispute information found on their reports. You have to pay a fee to obtain your own vehicle 's report and they do not disclose how they obtained incorrect information regarding your vehicle, they state " other sources '', but do not provide the sources. 

Their report shows that my 2018 XXXX XXXX XXXX XXXX XXXX has over XXXX miles XXXX XXXX miles ). At this time, my vehicle has XXXX miles on it. This is unfair because when I go to sell my vehicle, the value will be significantly less. 

I work from home for a living, so I do not operate my vehicle often. My car is in excellent condition.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX EMPLOYER : XXXX XXXXXXXX XXXX Inquiries : XXXX XX/XX/XXXX Collection : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX, NJ XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX : XXXX, XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  ADDRESS : XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CT XXXX Inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I disputed this inquiry with XXXX. I let them know I did not authorize this inquiry. I even sent XXXX a police report and they claim that they were verified. According 15 USC 1681b ( a ) ( 2 ) I did not give this company any written instruction to check my report. Please send me proof with my written permission with my signature stating that I gave you permission to obtain my consumer report/credit file. 
company name : Premium credit Bureau LLC DATE OF INQUIRY : XXXX XXXX, 2021 2021
Product: Debt collection

Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.      XXXX   Law Dictionary ,  XXXX  Edition,   XXXX  , defines Verify a s, 1  ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate . '' 2 ) To confir m or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.     What this means is that your company must be willing and able to produce a document in your files that proves the accou nt ( s )   in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have  1st hand   knowledge of the alleged account  ( s ) and  all that has ever transpired for the alleged acco unt ( s ), u nder oath and under the penalty of perjury. As I am sure that you are well aware, current  Federal  case law states th at, Consumer Reporting Agencies   bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by  1681 ( a ) ( 4 ).      You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Sectio n 611 ( 5 )  ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has already removed XXXX XXXX on my consumer report but XXXX failed to do so. This is a follow up dispute to both XXXX and trans union to remove the Accont off of my consumer report or i will sue for furnishing inaccurate information on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 8 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XXXX XXXX, 2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit reports in XX/XX/2021, I found an account from NC Financial ( at some point the agency began reporting the same account under Net Credit and NC Financial ) that I was not familiar with. On XX/XX/2021, I made several failed attempts at contact with the agency in XX/XX/2021. On XX/XX/2021, I sent a debt validation letter certified to the agency along with identification documents to show my address. The agency failed to respond to my validation request within 30 days. On XX/XX/2021, I received a response from the agency with several different account numbers, grammatical errors, and an address that does not belong to me. I responded to the agency detailing all the inaccuracies and requested that they stop reporting this account to the credit bureaus because it does not belong to me. I also reach out to the credit bureaus requesting removal of this account after supplying the documentation I received. I sent several debt verification letters with no resolve.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy on my credit report, and noticed i have fraudulent accounts on my report, please remove these accounts from my report, they are hurting my ability to obtain credit. Thank you.
Product: Debt collection

Received a debt collection notice from Consumer Collection Management , Inc in regards to a small medical bill which had already been paid. Sent a dispute letter to the collection agency indicating that I disputed the debt on the grounds that it was already paid.

Collection agency responded that the debt was still being actively collected. Agency furnished an undated statement of account which they allege was the result of their verification of debt performed pursuant to 151692g ( b ).

As the statement of account is undated, it can not be used as verification. Furthermore the statement contained numerous errors. Collection agency failed to perform a thorough review to identify these errors. As such, the agency did not in fact comply with 151692g ( b ).

The purpose of this complaint is to lodge grievance against Consumer Collection Management for failure to perform a reasonable verification of debt as required by 151692g ( b ).
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 
List of accounts to be deleted : Account Name and Account Number : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, State, and Zip : XXXX WI XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 

Best regards, XXXX XXXX ALL RIGHTS RESERVED