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

XX/XX/2022 I reached out to Personify through CFPB website to file a complaint with this company, before that I filed a police report and identity theft report which by law served as part of the notice and procedure I have to follow to get a block of this information. I uploaded these things to the CDPB website to forward to the company. I was closed with little explanation and no further steps taken to remedy The consumer after i put the company on notice about me not consenting to the pulling of my credit report and evidence that gat give authorization to this company to continue to report this because it is accurate. I have mailed a certified mailing letter to this company to cease and desist and it arrived XX/XX/2022. I am waiting for a deletion and a response. This company is stopping me from obtains household and personal items due to this fraudulent account on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS REPORTING A COLLECTIONS ACCOUNT THAT I HAVE DISPUTED TWICE AS FALSE. FIRST TIME IT WAS RESOLVED IN MY FAVOR AND SECOND TIME, THE SAME ACCOUNT FROM A DIFFERENT AGENCY, WAS NOT. ALL OTHER CREDIT AGENCIES HAVE RESOLVED IN MY FAVOR. I PROVIDED DOCUMENTATION PROVING THE DISPUTED AMOUNT IS COMPLETELY FALSE AS THE " CREDITOR '' ACTUALLY REIMBURSED ME SEVERAL TIMES FOR THEIR ERROR ( ATTACHED HERE )
Product: Debt collection

Phillips & Cohen Associates, Ltd- {$1000.00} - XX/XX/year> - Requested debt validation, assignment contract, proof of secularization and request for removal of credit report ( XXXXXXXX XXXX )
Product: Credit card or prepaid card

Last year we paid a midwife service to do home birth and we made payments to the midwife and when baby delivery time came the midwife quit. The midwife kept saying that she was coming and never showed up. We had to call XXXX and my wife was rushed off to the hospital where she almost died from too much bleeding and all because the midwife never came. We disputed the payments made to the midwife and chime denied the disputes because they said that by making payments during the course of time we established a repor therefore creating a base to prove that the payments were made to pay for services thus showing that my payments could not be refuted nor refunded. The midwife did not deliver the baby and her unprofessionalism caused my wife to sustain injury and injury to the baby also. The services that we were paying the midwife for were never rendered to us and I disputed this matter with chime bank only to be denied. I am not satisfied with my dispute being denied and we are a poor family and that money that was denied to us to be refunded will make a difference in our lives. We work hard for our money and if we would have had the midwife come and deliver the baby at home we would never have had to dispute anything but due to the fact that she quit on the day of delivery we should not have to pay forcefully for a service not rendered. In support of our argument we attached the the emails before the baby was born where the midwife said she was not coming to deliver the baby and that she would call XXXX and send the ambulance. We want our money back please help us
Product: Money transfer, virtual currency, or money service

I payed a old friend from XXXX XXXX ( {$600.00} ) in 2021 a couple days later on my XXXX XX/XX/XXXX the bank reversed the transaction and made my account negative, the bank told me the transaction was fraud and to reach out too the person who Zelled me and get them to sign a appeal form so that I could lift the restriction on my account, not even too get my money back, and when I contacted the person too sign the paperwork and too resend the money that I had too pay he disappeared and I havent been able too reach them, he scammed me twice!! and somehow I was liable for someone else scamming me, I wouldve filed a police report if I new his entire name, zelle couldnt help me, navy federal couldnt help me, and too this day that claim/issue has been on my credit so all of this can be confirmed. Not sure if that helps but please reach out if you need any information that could help me, I didnt think it would be possible too even file this claim XXXX.
Product: Credit card

A charge of XXXX was posted to my Chase Freedom account. I purchased an item from a vender and the item arrived damaged. I called the vender and received authorization to return it. I returned the item via XXXX. The vender acknowledged receipt and said he would refund the money I paid plus {$50.00} for return shipping. He is now refusing to refund my money. Chase is refusing to process my complaint by disconnecting me when explaining the problem 4 times in a row now. This happened on the evening of XXXX.
Product: Credit reporting or other personal consumer reports

1. I have received email from XXXX that I was in collection with XXXX XXXX XXXX XXXX for delinquent Capital on e account. 
2. I have talked to a staff in Capital one that I have received credit card with my full name, Social Security Number, Third party 's Address & Phone number. 
XXXX. Third party used credit card from Capital One & did not pay. 
4. Contacted Credit report company & remove third address & Freeze the account.
Product: Debt collection

They have called me every single day for years and I have told them to stop. I have had to block their calls to get them to stop harassing me, but I can still see that they attempted to call me. Some calls are happening multiple times a day and once again it is every single day. I have told them about the situation about the debt and they still keep harassing me. The debt had occurred in 2017 and I still am getting harassed. 
The phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Banks and s & ls Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Banks and s & ls Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business  Type All banks XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX, XXXX, EXPERIAN XXXX XXXX/XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Miscellaneous XXXX  XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX EXPERIAN XXXX XXXX/XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX EXPERIAN XXXX - XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type National credit card cos. 

XXXX XXXX - XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type National credit card cos. 



XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX EXPERIAN XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards
Product: Credit reporting or other personal consumer reports

( XXXX XXXX XXXX ) ( XXXX - XXXX - XXXX ) Date of Birth : ( XX/XX/XXXX ) - This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at ; - XXXX on XX/XX/XXXX account # ( XXXX ), - Service opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX account # ( XXXX ), - XXXX XXXX XXXX XXXX  account # ( XXXX ) - XXXX XXXX Inquired on XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint [ # XXXX ] as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries on my credit only recently that I did not authorize or consent to as I have been trying to repair my credit! I have contacted some of the inquiries as they have been difficult to connect with! Please help resolve this. 

Thank you!
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$24000.00}
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX Balance {$790.00} Open Date XX/XX/XXXX Inquiries XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I made a payment thru a debit from my checking acct on XX/XX/XXXX, it was acknowledged by Oportun on XX/XX/XXXX and debited by XX/XX/XXXX. I called on XXXX to check on if it was applied to my account ( it was about the normal time it takes -- although to push on your an " instant '' payment, which they want you to pay for. I find it ironic that anyone would pay to make a payment ). I was told by the XXXX XXXX who could barely speak XXXX that it would credit on XXXX. I did not check the account again until XX/XX/XXXX and it still did not credit. I called on XX/XX/XXXX and was told it was an error on their part and they would " expedite it '' and it would happen in a a few hours or at worst overnight. I checked again a few hours later and was told that the " expedite '' information was false and now it would not credit until XX/XX/XXXX ( which is unacceptable ). They also asked me five times to update my monthly income, which I refused. I spoke to a Supv ( no help and was told " you'll just have to wait '' ) and ultimately a " Manager '', who said the same thing, but he would " file a report '' and I had to wait until XX/XX/XXXX or when I hear from them. All unacceptable answers. I don't know what happened to Oportun-XXXX, maybe they were sold, but their rules and XXXX has vanished and it is the XXXX XXXX. The customer never gets service and is NEVER right. I want this closed and reported to the credit agencies as closed because of their failure to provide service. I did nothing wrong. I feel like Oportun credit cards are a scam. I will also reverse/dispute the charge to my checking account ( now they can wait ).
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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. 


TRANSUNION 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: Debt collection

On XX/XX/24, opportunity financial llc made statements to the federal government they are not in business with XXXX XXXX XXXX who has a file, sent me a letter, and contacted my father regarding a supposed legal action. At this time I will have to contact law enforcement to report this action as fraud and attempted identity theft.
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Payday loan, title loan, personal loan, or advance loan

I took a loan of {$3000.00} based on my auto title from TitleMax based in XXXX XXXX XXXX, Texas. I hoped to pay off the loans but it seems I will forever repay the loans because it is unending. The interests and the capital keep increasing sometimes leading to the repossession of my vehicle. It is a debt trap. 
I wish to be able to repay my loans on a set time and amount so that I can breathe again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly a charge-off in the amount of {$6300.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than what was owed. This account has been paid in full and should be reporting a {$0.00} balance. This false reporting of a charge-off account is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX Balance Owed : {$1400.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$6800.00}
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the EQUIFAX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX the XXXX XXXX started and I was evacuated from my home fearing my life and not knowing whether i would have a home to come back to. I was evacuated for several weeks living out of hotels and accruing costs for food and housing that was completely unplanned.Unfortunately with all the chaos going on I fell behind in some bills. I contacted XXXX XXXX to let them know my situation and to make a payment arrangement. At the time my account was already past due. I pleaded with them my situation since prior to this my account was always in good standing. They refused to remove the late fee. I was not able to occupy my home until XX/XX/XXXX. Other credit card companies have been willing to work with me. I noticed that I know have a 30 day late notice on my credit report. The only negative mark on all of my 6 credit cards, car loans etc. I disputed it on my credit report and still they are reporting the information as accurate. They have now lowered my credit limit. After increasing my limit on XX/XX/XXXX to {$15000.00}, they have lowered my credit limit following my dispute to {$1600.00}.
Product: Vehicle loan or lease

I am on Auto Pay. I wanted to increase my amount, ie. Pay more than my monthly payment. I am unable to make that adjustment thru their pay system. Customer Service just kept saying " that's how our system works ''. They said in order for me to pay extra, I would have to call every month and pay by phone.

This is a complete inconvenience and how they force you to pay only the monthly payment, thru the term of the loan, to collect full interest. I should be able to set up Auto Pay for more than my monthly payment. Customer service said they are not even able to do it.
Product: Debt collection

I am writing to bring attention to a concerning matter regarding my credit file. I have noticed the presence of a collection entry from your agency, which has alarmed me as I was not previously informed about this collection. Additionally, I harbor serious doubts about the accuracy of the debt being claimed. In accordance with the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate actions to address this issue.
Product: Payday loan, title loan, or personal loan

For hearing aids allegro credit/Synchrony bank. They took my first payment from my XXXX XXXX XXXX  account in XXXX. I returned the hearing aids/never picked them up. Made sure I got the return to XXXX XXXX. Allegro told me at least 5 times that my check is on its way. I have not received anything from them. 
Allegro phone : XXXX
Product: Debt collection

Reviewed most recent credit report and I noticed a collection/charge offs that did not belong to me. After reaching out to the creditors, I was advised to contact the CRA to have the collection/charge off disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the collection/charge off in questions did not belong to me.

Under code 15 USC 1692g and 15 USC CODE1681S-2 this is a clear violation of inaccurate reporting.
Product: Vehicle loan or lease

I sent a different complaint on XX/XX/2022 to BRIDGECREST CREDIT COMPANY LLC, for account number XXXX. The company 's response not satisfactory and the complaint was closed. I Pointed out all of the laws that they broke this time around.
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. 

Synchrony financial inquiry : XX/XX/XXXX XXXX XXXX inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX XXXX XXXX inquiry : XX/XX/XXXX Has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 the information is inaccurate.
Product: Credit card or prepaid card

On or about XX/XX/2021 I lost my Fortiva Credit Card while at XXXX, I contacted the Credit Card Company and informed them of the loss at which point they asked if I had made a recent charge in the amount of {$770.00} at which point I informed them that I had not. I submitted a fraud form and the Credit Card Company refused to remove the charge from my card after issuing me a new card and are now trying to force me to pay for the fraudulent charges.