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

I contacted XXXX via certified mail to dispute the inaccurate information that the company is reporting on my consumer report. The account is a charge off. I was not provided with a 1099-C form from the IRS. According to the IRS, the canceled debt is considered income. Income should not be reporting on my consumer report. The company is in violation of 15 USC 1681s-2 ( a ) ( 1 ) ( a ). I requested documentation bearing my signature as proof that the company has the legal right to collect from me. I was not provided with the documentation that I requested. Instead, I was advised to contact the credit bureaus.
Product: Debt collection

XX/XX/2018 XXXX XXXX : Balance {$470.00} Don't recognize account Looking forward to getting this negative items removed.
Product: Debt collection

This company named general revenue service contacted both my mother and husband in regards to a alleged debt that is owed. They would not tell either of them what the call was in regards to and what their company did. I myself contacted them after to find out why they were calling and they could not give me an answer. I spoke to a representative who proceeded to yell at me when I told him not to contact any third party other than myself or my attorney. I then proceeded to ask what the call was in regards to and he could not tell me.
Product: Payday loan, title loan, or personal loan

I am under XXXX  XXXX protections. This credit has continued collection efforts and severely damaged my credit. My attorney has sent them numerous communications on this. I also called and correct contact handing never called me back. They are breaking the law and I have asked my attorney to get federal bankruptcy court involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently under bankruptcy and both the collection agency and XXXX have been notified by my attorney. They are still reporting as an open collection on my report which is a clear violation of my rights and are refusing to remove this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Bull City Financial about a collection of XXXX on my credit report since 2018 for XXXX XXXX XXXX. I have never had any dealing with this company and never lived at the address listed. Bull City Financial associate was rude, nasty and hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHRYSLRCAP Account Number : XXXX This is not mine. 

XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX Account Number : XXXX This is not mine. 

XXXX Account Number : XXXX This is not mine.
Product: Credit card

On multiple occasions, via multiple methods, I have requested a refund for my credit balance of {$120.00}. I have even filed a complaint with CFPB regarding this issue. TD Bank responded to my CFPB complaint on XX/XX/year>, stating that they had already sent me a letter and issued the refund. I have never received any correspondence from TD Bank regarding this issue and I have NOT received a refund. My online account still shows a balance of - {$120.00}. I am at my wits end and am frustrated that the information provided by XXXX Bank to the CFPB regarding this issue was blatantly false. What are my other options? Is it acceptable for a company to falsely claim that a complaint is resolved, even though it is not, just to close out a complaint?
Product: Debt collection

I have called and attempted multiple Disputes to have this removed from all of my credit reports, with it still showing up on at least one, XXXX in general, and I explained to them that my father and I share the same name, and we have had our identity 's crossed up during medical visits and they use my social security and account instead of his. I have n't been to the hospital or to a doctor in two+ years to even accrue  medical collection, nor did I receive any bills via Mail. I would please like to have this removed from my Credit Report. I have been rebuilding my Credit Scores for over 2 years now and It looks bad to have this small debt lingering on me. I had even set up a monthly payment plan to pay it off just to remove it. They took out 3 monthly payments of {$25.00} then it all of a sudden ceased. Once again, Please have this removed I will greatly appreciate it. <P/>
Here 's the Information of the Debt.
<P/>
Collection Information Account Name Date Reported Date Opened High Credit Balance Acct. Type Account Status Past Due Account Number Client Credit Limit ECOA Last Past Due XX/XX/XXXX XX/XX/XXXX XXXX XXXX UNRATED XXXX XXXX XXXX XXXX-XXXX DATE OF LAST ACTIVITY WITH ORIGINAL CREDITOR : XX/XX/XXXX CONSUMER DISPUTES THIS ACCOUNT INFORMATION MEDICAL UNPAID AMSHER COLL XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX CHG OFF XXXX MEDICAL I XXXX XXXX DATE OF LAST ACTIVITY WITH ORIGINAL CREDITOR : XX/XX/XXXX PLACED FOR COLLECTION Company Name Phone Fax Address, City, State, Zip AMSHER COLL ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my credit report earlier today and have no idea why they appeared. During my usual credit report check, I found discrepancies that I didnt expect. I tried refreshing the browser to see if it was an error, but the problem persisted. Im asking for a thorough review of my submitted documents so this can be resolved for good.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received and alert that I had a hard inquiry credit pull from XXXX XXXX XXXX XXXX. I did not authorize this. This inquiry was done on all 3 of my bureaus, Experian, XXXX, and XXXX.
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 Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a XXXX  I was doing online classes through XXXX XXXX college. I was able to receive student loans to pay for my classes. My loans monthly payment amounts were minimal amounts that were paid every month. After being hired by the XXXX XXXX XXXX, I qualified for a loan deferment plan. This plan allows my loans to be deferred every year up to ten years. Due to a time delay in the deferment processing in XXXX of this year my accounts showed late payments of 90 days. I was told all late payments would be removed from my credit report in approximate 30 days, but the late payments are still reporting. This has dropped my credit score about 70 points and has really hurt me trying to obtain credit for a new home and new vehicle. I would love to have this issue resolved as soon as possible. I have tried disputing these inaccurate accounts with the credit companies, but have not gotten anywhere.
Product: Mortgage

Problem : Wells Fargo Home Mortgage took money I had sent for escrow payment and -- without checking with me or asking my permission or even notifying me -- applied it to the principal of the loan ( XX/XX/XXXX ). 

When I called on XX/XX/XXXX to ask why they had not refunded the overpayment of {$600.00} to me, as I had been told they would do when I closed the escrow account ( on XX/XX/XXXX ), the representative ( " XXXX '' ) told me the escrow payment had been credited instead to the principal. I protested that my overpayment/escrow should not have been applied to principal but refunded to me. He said Wells Fargo couldn't " split the payment but would have to refund the entire mortgage payment of {$2100.00} and that would mean my monthly mortgage payment would be late and they would have to charge a late fee. '' Timeline in brief : Called XX/XX/XXXX to close escrow. Told to pay full mortgage payment in XXXX and then in XXXX the bank would refund all escrow ( {$2400.00} ). On XX/XX/XXXX received refund check for {$1700.00}. This prompted my phone call on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A background check was done on me for employment and something is on the record that belongs to my father and not me, we have the exact same name.
Product: Credit reporting

Everytime I call I 'm told to fax in my drivers license and social number which I have an then I 'm told it takes XXXX72 hours to fix. Well it 's been that time frame and everyday I get the run around! My name is XXXX XXXX XXXX and my dad is XXXX! We live at the same address. But on MY credit report it has his birthday and his credit account but with my social. Everyone seems clueless when I call about this. Why is this so hard to take his birthday off and add mine of XXXX/XXXX/1980! Then put my credit account on there and take his off. Why is this SO HARD for equifax to fix?! I screenshot my correct credit report to show you what it 's suppose to be!
Product: Debt collection

On XXXX XXXX I.Q.Data International attempted to fraudulently collect a debt of XXXX that was illegal sold by actual creditor. Not only did they attempt to collect, they caused defamation of character by reporting false signatures and information to XXXX, XXXX, and. XXXX. I did not give them permission to discuss or disclose anything about myself or my personal credit. They are violationg Consumer laws 15 U.S.CODE 1692 ( d ) & ( e ), 15 U.S.CODE 1681 ( b ) & ( c ). I will also bring a cause of action for tortious interference against the acting parties involved and seeking penalties under, 15 U.S.C. 1640- Civil liability section ( A-L ) monetary damages to be proved at trial. I demand that they stop this predatorial misconduct ; revoke my signature for all unauthorized usage. I have my own dividens to shield and will strongly do so.
Product: Credit reporting or other personal consumer reports

I want reported accounts removed :

 XXXX XXXX , balance XXXX, Date opened XXXX XXXX XXXX XXXX XXXXXXXX balance XXXX, date opened XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, balance XXXX  date opened XXXX XXXX XXXX
Product: Checking or savings account

Subject : Urgent Complaint Against Chase Bank for Wrongful Withholding of Funds To Whom It May Concern, I am filing this complaint against Chase Bank for wrongfully withholding {$4500.00} that belongs to my girlfriend and me. Their unjustified actions have put us at risk of homelessness, caused severe emotional distress, and created financial hardship. I demand immediate intervention to resolve this matter.

Case Details : I opened a Chase account online in my name.

My girlfriend, whose check it was, and I live together and deposited her {$4500.00} XXXX-issued check into my account via mobile deposit. 

Chase froze my account and refused to release the funds, citing the need to verify my girlfriends phone number. 

We went to a Chase branch in person and were told that her phone number must be linked to a major carrier. 

We first purchased a XXXX XXXX XXXX plan, but Chase refused to accept it. 

We then purchased a XXXX plan to comply with their demands. 

Now, Chase is saying we must wait an entire billing cycle for verification. 

They also informed us that my account will be permanently closed in two days, and if verification is not completed, the check will be held for two years.

My girlfriend only has a XXXX ID and no passport due to her difficult upbringing and struggles, which has made it even harder for her to open an account in her name. 

Harm Caused : Chases actions have put us in serious financial distress, as I have been unable to find a job and we are surviving on my girlfriends checks and help from family. 

I have spent over {$100.00} on phone plans trying to meet Chases arbitrary and unreasonable demands. 

We are facing potential homelessness due to Chase 's refusal to release our funds. 

Chases unreasonable delays and verification process constitute unfair banking practices and a violation of consumer rights.

Requested Resolution : Immediate release of the {$4500.00} that Chase is unlawfully holding.

Written explanation from Chase regarding their handling of this matter. 

Compensation for financial damages and emotional distress caused by their actions. 

Agencies Filed With : I am submitting this complaint to the following agencies for immediate review and action : Consumer Financial Protection Bureau ( CFPB ) Office of the Comptroller of the Currency ( OCC ) Indiana Attorney Generals Office Chases actions have severely impacted our lives, and I request urgent intervention to hold them accountable. Please investigate this matter and ensure that Chase Bank complies with fair banking practices. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX IN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having trouble viewing my information on Experian for the past few days. When logging into the website, I get an error message stating the password is incorrect. After changing it then logging in a few days later with the new password I get the error message again. I'm unable to get in touch with anyone from customer service and hearing that other consumers are having the same issue, I'm beginning to think Experian has been hacked. I appreciate you looking into this matter. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit monitoring alert and noticed that there was a new inquiry that I did not authorize. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have since placed a fraud alert on my Transunion account to ensure that I recieve a phone call to authorize access to my credit report. The erroneous inquiry is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Gave receipts of gift cards and I had XXXX gift card membership and never received my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$5400.00} ; XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

I lend my chime card to someone i know due to he needed something i gabe him permission to use my card i gave him my pin there was {$13.00} only available.. now upon name " XXXX XXXX XXXX he is a XXXX.. him return my card after he dropped me off to the hotel i was staying at here in XXXX XXXX nevada i notice there was some changes on my card like the 16 digit number was reprinted solid black and the cVv # was different from my records of photo copy that i have and expiration date was changed.. now not on that ive only been around a few people the second day of my arival my phone was hacked/ or maybe traded out with a different phone but the same look alike as mine.. ive been back and forth to the banks i bank with and told me to report this ASAP so now I reached out to all of my banks i associates w my account banks cellphone number and phone has been compromised.. I believe so that my identity has been stolen ... i have no access to anyof my account email or banks.. please some investigate this .... this has gone way to far.. alot has happened alot.. money purchased from my XXXX XXXX  XXXX and chime and XXXX XXXX card transactions history are most likely the same when i did research.. i have a few screen shot.. my card when i call are already link and set up to be declined and auto paste when i log in ... please investigate my phone i have and all my card and orther account.. I believe that XXXX XXXX is not the only one there are more thats part of this ... i will surrender all my cards phone etc thats needed.. i have a few idea of who else is involved ... money has become missing and my banks accounts are closing at this monentXX/XX/2021.. the banks are not disputing some orther changes and im still working on resolving this matter with them.. i have more information documented to share upon request for interview
Product: Credit card or prepaid card

I had a Bank of America card for a year and I made my payments on time without being late and I was supposed to get my  XXXX  deposit back after 12 months of good payments and I was denied twice in the past and I had a inquiry for that I got a letter from Bank of Americ a saying I w as denied because I had a past credit card that I did n't open up back in   XXXX   which I did n't open up I was  XXXX  at the time and did n't had no credit at all the bank found out there is no fraud so I was responsible for that card I feel like Bank of Americ a is lyi ng to me and m y credit score i s  XXXX  and they wo n't give me my  XXXX  back to me
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. I am requesting that you delete all the following ACCOUNTS that are inaccurate. Please remove these negative items from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXX appeared on my XXXX  credit report on XX/XX/2017. It appears to be finance and personal under business type. When I contacted the company, they informed me that my social security number and other identifying information was used in an attempt to acquire a car loan. I informed the company that I have not submitted any form of application for auto financing and that this inquiry was initiated without my consent or knowledge or permission. The company said they will document the issue and contact me back with further instruction. I have yet to hear back from the company and each time i contact them further, I am told the same thing.
Product: Student loan

I took out a student loan for over {$120000.00} in XXXX. When I graduated, I was paying over {$1000.00} a month back with the help of my dad who co-signed the loan. In XXXX my dad died and I reached out to Wells Fargo to let them know that my co-signer died and I needed to arrange a payment plan because I wasnt making enough by myself. They refused to arrange a payment plan and when I didnt pay the full monthly payment they defaulted my loan. Im currently making {$100.00} a month payments for this defaulted loan while taking the hit on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone keeps trying to apply for credit cards in my name. XXXX card was applied for again yesterday while I was at work! This has happened several times and Ive already reported it but Im not sure if the other inquiries got taken off either. I have been building my credit score back up and this keeps pulling it down. I have not applied for a credit card at all.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in XX/XX/year> 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.

AVA FINANCE 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

I woke up today to a collection on my credit report from this company CONVERGENT XXXX it says the original creditor is XXXX and it was opened in XXXX XXXX i monitor my credit religiously and i have no idea who this company is and i never opened or owed XXXX anything in XXXX XXXX this same company has been harassing me over the phone for a month whenever i told them to send me something in writing about this account they hung up on me
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with The Fair Credit Reporting Act XXXX Accounts XXXX has violated my rigths. 

1. XXXX XXXX Acct # XXXX 2. XXXX XXXX XXXX Acct # XXXX 3. XXXX XXXX  Acct # XXXX 4. XXXX XXXX XXXX XXXX Acct # XXXX 5. XXXX XXXXXXXX Acct # XXXX 6. XXXX XXXXXXXX Acct # XXXX 7. XXXX Acct # XXXX 8. XXXX XXXX Acct # XXXX 9. XXXX XXXX XXXX Acct # XXXX 10. XXXX  Acct # XXXX 11. XXXX XXXX Acct # XXXX 12. XXXX XXXX XXXX Acct # XXXX 13. XXXX XXXX XXXX Acct # XXXX 14. XXXX Acct # XXXX 15. XXXX Acct # 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.