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

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1100.00}, XXXX. XXXX, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$400.00}. Inquiries : XXXX XXXXXXXX properties. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 card or prepaid card

Issue:  Chase mishandling my XX/XX/2019dispute for $XXXX and rebilling me twice instead of refunding.Chase has been contacted  XX/XX/2019Just to give a little context, I contacted Chase to assist me with disputing the XX/XX/2019, $XXXX, Newbalance, transaction. The Chase dispute representative was advised that there was another transaction from New Balance of $XXXX   from XX/XX/2019. The Chase dispute representative was informed of the other transaction, to clarify that credits that were issued for the XX/XX/2019 transaction $XXXX and $XXXX. Chase informed me that they would be issuing a permanent credit of $XXXX for the XX/XX/2019 transaction.On XX/XX/2019 I received a letter from Chase that stated I was being rebilled for credits that were issued; however, this calculation is incorrect. The dispute representative cited that two credits were issued; however, what they were not related to the XX/XX/2019 transaction, and were for the XX/XX/2019transaction returns.Chase rebilled my account two additional times for ($XXXX; $XXXX). I am disputing these amounts as they should not have been billed to my account.  A refund of $XXXX would resolve this matter.
Product: Credit reporting or other personal consumer reports

My First Bank of XXXX  credit card was fraudulently charged and compromised. FirstBank never notified me of the charge pending, and because it was a credit card I never used, I was not aware to check it for payments and had no notifications set up to receive alerts for it. I received no letters or calls about the balance due from this fraudulent transaction. 
First Bank then reported the balance that was never paid as delinquent not one, but 6 times with the credit card bureaus. They then closed the credit card so I could not dispute the transactions. Now I have 6 delinquent marks on my credit all from one account, which was based on a charge fraudulently made.

I have been a loyal First Bank customer for a decade and held millions of dollars in loans with them and always paid on time. I feel very betrayed by this stab in the back from a bank that was supposed to be local friendly.
Product: Credit card or prepaid card

I've been in dispute with XXXX XXXX for a while now concerning an unverified credit account that they have been reporting negatively on my credit report. I've sent multiple cease and desists that they have ignored while investigating the lawfulness and legality of said account. On my last attempt XX/XX/23, I sent a handwritten letter demanding a complete XXXX XXXX of this account, including ledgers and full transactional history so that I may examine the account for myself. They refuse to send this information. If they are going to defame my character, I should at least be able to verify the information for myself.
Product: Vehicle loan or lease

We got a 0 % interest loan through GM Financial ( XXXX ) in XX/XX/XXXX. The payment is {$440.00} per month and we make a payment every Monday of {$120.00}. This put us at least 8 months ahead of the scheduled payments. I am getting red flagged on my account saying we have late payments. I have contacted them through their website repeatedly with to response. I have contacted them via phone on XX/XX/XXXX, to which they stated they would go back into my account only to XX/XX/XXXX and credit the account {$250.00}, but did not. Which is NOT a suitable solution. Since XX/XX/XXXX I have tried to call repeatedly, but can not get through and eventually the call gets dropped while I am on hold. 

With a 0 % loan that I am far out ahead of the payments on, I am now in risk of them reporting this to the credit bureaus and having a negative effect on my credit score.
Product: Debt collection

I audited my credit reports, saw that this company, National Credit Systems reporting an alleged debt on my reports. Never have I received a dunning letter from this company, and never have I done any business with them. I sent them a certified letter on XX/XX/XXXX demanding that they validate this alleged debt. As of XX/XX/XXXX, I still have not received anything from them. Furthermore, I am not liable for this debt with The XXXXXXXX XXXX XXXX XXXX XXXX. To add insult to injury, I do not have any contract with this company, National Credit Systems, and they failed to provide me with the legal document that I demanded that they send me. 
Account number : XXXX XXXX : {$420.00} Date opened : XX/XX/XXXX I demand that this company delete this account from my credit reports immediately.
Product: Debt collection

I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account number XXXX Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( Fields v. Wilber Law Firm Coppola v Arrow Financial Services ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( 73 Am Jr sect. 93 ) & ( Gearing v Check Brokerage Corporation ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Product: Checking or savings account

I am a widow and beneificiary of my deceased husband 's worker 's compensation claim. The Insurance company needs me to sign before a notary public of a " widow 's Affidavit ''. on XX/XX/year>, I walked to Webster bank located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. The Brank manager refused to notarize the affidavit for me because she asked me " since your husband is dead, how can he file a worker 's compensation claim? '' I said as long as he is injured at workplace he can be claimant, no matter he is dead or not. I can show your the Judge 's Decision showing he is the claimant and I am the beneficiary as his widow. She said " I don't want to see it and how do I know you are his widow? '' Then she pointed at my husband 's last name- a XXXX XXXX Name and pointed at my name- a typical XXXX name. I said I can show you the court paper, the death certificate and our marriage certificate. She said " I dont want to see them ''. Then she said " you are not legal and this paper is not legal. '' very loud and in front of everyone. I walked home and brought all the legal papers to her to show the affidavit is legal. She said I need to send all these to " legal ''. I told her I am a notary public myself and the notary rule is 1, physical present 2, valid ID and 3 Competent and capacity to sign. 
She said " you are not competent '' I ask her why I am not competent? I am not stupid or XXXX. She is " because I can't even pronouce your name. '' I thought the reason she refused to notary for me because I don't have an account in Webster bank and I happenly need to open one. since I was in a bank I said " can I open a bank account ''? She said " no. 
We can't open a bank account for you. I can't even read your name. If you don't leave now I will call the police. " I had to ask all my papers back and leave the bank. She said she only gave me back the originals not the copies. I said " if you are not doing the notary for me why do you need to keep the copies? '' then she threw all the papers back to me. I had to pick them up one by one. When I came back home, I noticed one of the very important court order was missing. I went back with police and she said she didn't have it. I lost the valuable court order forever. 
But the reason she KEPT my origianl court documents is very suspicious. It is a very important case law which set up COVID DEATH CLAIM in Workers compensation Board. It has sensitive documents. I am very concern this document will be abused.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Equifax data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting or other personal consumer reports

I am requesting a copy of the arbitration agreement for my personal and business checking accounts. 

I am also requesting documentation for the placement of this account with Tek-Collect to confirm the balance and account details that Tek-Collect is attempting to collect on.
Product: Debt collection

T0 whom this may concern : The Following debt of {$650.00} by Southwest Recovery Services is not my debt. I have repeatedly contacted to inform of IDENTITY THEFT for this account. This Debt was not completed by me. My identity was wrongfully used for this account. I have contacted a lawyer regarding this debt trying to be falsely claimed. Under the FDCPA laws you are trying to collect a false debt from the actual person not responsible. My lawyers are ready to sue in in court for wrongful accusations and defamation of character. I will be seeking punitive damages for the continued negative collections on my credit which have in return caused hardships for my future.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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.
Product: Credit reporting or other personal consumer reports

Contacted Verisk Financial aka XXXX about reporting an invalid bankruptcy to XXXX & Transunion and didnt receive any documents or validation of these claims also requested that they put a security freeze on my file and nothing has been done after filing first complaint I still have yet to receive anything in the mail
Product: Student loan

During XXXX, NAVIENT endlessly phone not just me, but constantly harassed my employers, causing 2 to terminate me. 
During the great financial crisis, following a layoff in 2009, I had finally secured a role as a XXXX XXXX XXXX  with a startup in XXXX, Maryland. I was informed by my direct supervisor, also the owner, that NAVIENT would not stop calling him regarding my unpaid student loans. As a direct result, I was terminated from this position. 
I had to resort to selling automobiles, despite holding a degree in XXXX XXXX, but NAVIENT began incessantly calling a XXXX dealership I began working for in XXXX, Indiana. I was terminated from this awful job as a direct result of NAVIENT 's harassment. 
I already had complex XXXX XXXX XXXX XXXX  prior to this ordeal, so NAVIENT 's actions also hurt my mental health immensely. 
I have since become completely and XXXX XXXXXXXX by my complex XXXX, and NAVIENT ultimately charged off these unpaid private loans to which I refer. 
If NAVIENT ever wanted the remaining interest ( or even the principal ) repaid, its representative could have stopped harassing me and my employers. Instead, NAVIENT chose to violate laws regarding debt collection, CAUSING MY TERMINATION FROM AT LEAST 2 JOBS. In hindsight, I truly wonder how many other employers NAVIENT harassed who did not inform me... 
NAVIENT knows, considering their records would apparently indicate who they called regarding my private student loans. 
Now, I am fearful that if I attempt full-time employment again that NAVIENT will harass my next employer, too, which can not be allowed to happen!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  acct # XXXX XXXX XXXX  XXXX XXXX, on XX/XX/. 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 an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a complaint to Transunion This complaint requested the investigation and removal of 2 bankruptcies that are incorrectly and unlawfully showing on my credit profile with this company. 

Bankruptcy XX/XX/XXXX Ref # XXXX Bankruptcy XX/XX/XXXX XXXX The bankruptcy information was unlawfully verified thru a third party named Lundquist Consulting , Inc. ( LCI , Inc. ) All accounts and public information should be verified with the source according to the FCRA. In this case it shuld have been verified through the XXXX XXXX  of Texas Bankruptcy court. The XXXXXXXX XXXX  of Texas Bankruptcy court has a standing policy that they do not verify any public information to anyone that request. Therefore these public records should be deleted because they can't be verified. 

Due to the fact that Transunion has used Lundquist Consulting , IncXXXX to verify information in my credit profile I contacted LCI , Inc. to dispute the information with LCI. LCI informed me that they aren't a credit reporting agency and aren't subject to the rules of the FCRA. If you report any information about any consumers Credit Information this subjects you to the rules of the FCRA. Transunion and FCI , Inc. appears to have colluded together to make sure that consumers do not have the means as required by the FCRA to dispute public record information. 

This collusion between these two corporations has caused myself and my family irrecoverable harm
Product: Debt collection

I pulled my credit report this morning and found that XXXX has resold an account to Sunrise Credit Service for an amount of {$300.00}. This debt was first sold to XXXX XXXX XXXX.and was closed out and removed from my credit reports through the CFPB on XX/XX/18, after the collection company admitted they could not validate this debt ( 5 certified letters with no responses ). Please see XXXX 's response below. I am requesting that Sunrise cease collection and remove tradeline from all three major credit bureaus, as no company has been able to do validate this debt as mine. 

Complaint # XXXX On XX/XX/2018, this account was closed with XXXX XXXX   and returned to our client, XXXX. We will request that our information for this account be removed from the credit reports as the account is no longer placed with XXXX. To ensure resolution in this matter please contact XXXX directly. We sincerely hope this represents a satisfactory resolution to your concerns. I would invite you to contact our Compliance Department for further assistance. Our number is XXXX or you may Email : # XXXX ; Kind regards, Compliance Representative at XXXX XXXX , XXXX XXXX
Product: Bank account or service

I was defrauded by two companies XXXX-which is under suit- and XXXX dba XXXX dba XXXX. XXXX stole money to pay XXXX, which is in settlement for chXXXX and disputed since XXXX. I had an attorney on retainer. They wardialed me multiple times. This I can prove. XXXX took advantage, scammed me into a bait and switch, slapped digital banners in my face, sent my internet willy nilly an infected four machines, which I had to disinfect. REIGONS, the bank in question is refusing to settle any claim whatsoever. XXXX is doing same on other matters, I am more concerned with my bank and how banks are getting away with more and more consumer fraud and deciet. VISA and MC, even XXXX have policies which these corporations DO NOT ABIDE BY.
Product: Debt collection

For the last few weeks This company PARAMOUNT XXXX has masked there number so it can come up as private & told me to call number ( XXXX ) XXXX the person called me was named XXXX she has harrassed me, my parents & friends with threatening voicemails & calls ... I have no idea what this debt is
Product: Credit card

I have an Amazon credit card through Synchrony Bank. They have a payment due date of the XXXX of the month. I paid my payment on the XXXX and they accepted it as posted on the XXXX of XXXX. The next day I am showing a {$35.00} late fee on my account. I called ( XXXX XXXX ) and was asked why I am waiting until the due date to pay my bill .... I told them because that 's when it 's due. They told me that if I pay on the due date that the system automatically charges a late fee and it stays on there for 36-48 hours. They told me I should pay two days before the due date. They admitted I was not actually late. The {$35.00} adds to my average daily balance and therefore to the amount of interest they charge me. Add that up over several XXXX XXXX customers and they are making a lot of interest on those pennies by adding a bogus late fee for two days. They do charge interest based on daily balance ( see attached documents ). I am charging them an overcharge fee of {$250.00}.
Product: Checking or savings account

Hello. My name is XXXX XXXX XXXX. XX/XX/2023 I mail in my internal revenue check to XXXX XXXX. I signed my check and mailed it to XXXX XXXX to deposit into my checking account XXXX XXXX received it. Once funds was added inside my account XXXX XXXX decided to debit out all funds and closed up my account and send funds back to IRS. XXXX XXXX  still have my check and continue to say they tried reaching out to irs with a hold harmless letter for IRS to send back to them in order to release the funds back to irs. There's several complaints about this bank online. I wish I never mail my check to XXXX XXXX They still have my check and trying to keep my money for themselves. Irs keep saying they haven't received anything from the bank. It's been 6 months now and XXXX XXXX  still have my check they are not trying hard to solve this problem. I ask multiple times to either mail me a check they refuse to. Irs ask me also why XXXX XXXX  can't just mail me a check because it doesn't make since for XXXX XXXX  to keep my check. This bank constantly make up excuses and lies. I'm asking for occ to help me get my funds returned back to irs or sent to me because XXXX XXXX is trying hard to keep my money. The IRS even mail me a letter to give to bank as proof the payment was issued to me for the amount. The bank still wouldn't use the letter as given.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a paid collection listed on my report from Equifax with XXXX XXXX as the original creditor for {$140.00}. I never sent the payment to the collection agency ( XXXX XXXX XXXX ), I paid XXXX XXXX. XXXX XXXX sent me a letter stating that the account was pulled back from the collection agency by them and that the collection agency can no longer report it. I sent proof of the payment and the letter to Equifax, along with the other two bureaus in the form of a dispute letter. XXXX  and XXXX deleted the account. Equifax did not. 

The FCRA states that information reported must be accurate and complete ; updated and verifiable. It also provides a dispute mechanism initiated by the consumer through the consumer reporting agency and through the furnisher of information. 

As detailed above, I have disputed the information for the referenced account, with both XXXX XXXX XXXX and Equifax directly. I have exhausted all recourses provided for resolution of erroneous information and still the information remains on my Equifax consumer report. The FCRA provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violations of its provisions. 

It is evident that the information reported can not be verifed because the payment was not made to XXXX XXXX XXXX, and therefore must be deleted as required.