23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I've been trying for XXXX months to access my account so I can pay my bills and debts, I've sent my driver 's license, social security card and birth certificate numerous times and they keep saying that it s no good if anything, been hung up on couple times they keep saying that they will call me back, but never do.i have been to the social security office and they say my money has been sent to direct express, but direct exspress will not give me my money..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint regarding inaccurate account on my credit report that was still reported and kindly request your assistance in getting them to correct. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. This account should be corrected : XXXX XXXX XXXX XXXX Opened XXXX. XXXX, 2022 XXXX : {$10000.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ga XXXX XXXX To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department , I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, Experian ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for { {$510.00}, {$260.00}, $ } from { XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  }, listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of { XX/XX/2024 }. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. 
Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report.
Product: Debt collection

Approximately 2 years ago, I opened a no contract, pre-paid, cell phone account through XXXX. It was pay as you go, paying PRIOR to using service. I paid for the first month, prior to using the service, and it was verified, multiple times, through the company representatives, that if I wanted to continue service afterwards, I would pay first then have service, if I did not want to continue, I simply did not pay and I would not have service. After many issues during the first month, I decided not to continue using XXXX, and prior to the end of that first month, switched over to another company. I then started receiving bills from XXXX, saying I owed for a month of service, which would have been for the 2nd month that I did NOT use. I spoke with them over the phone and by email, but continued getting bills. I then noticed it had been reported on my credit. Somewhere around XXXX of XXXX, I reported this issue with the credit bureau. They decided in my favor and XXXX was forced to remove the collection from my credit. Then, around XXXX of XXXX, I again started receiving mail and emails from Receivables Performance Management stating they were a debt collection company contacting me to collect a debt on behalf of XXXX, successor to XXXX. I used their complaint portal, on their website, twice now, fully explaining that I do not owe this debt, it was for service that was never used on a no contract, pre-paid, account, and that it was already removed from my credit once due to this. After submitting the emails, both times, I never received any messages from them, but have STILL continued to get inundated with emails and mail stating I owe this debt. I have spent so much time dealing with this one issue, for 2 years now, for something I didn't use and do not owe!!! I would like it stopped!!
Product: Credit reporting or other personal consumer reports

This grumbling to ALLY FINANCIAL was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. 
As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC reports to support this complaint with the FTC numbers XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting act XXXX Account # XXXX, has violated any rights. 

15 U.S.C 1681 Section 602 A. States that 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX  XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card - Bureau Code : Individual Individual Individual Account Status : Paid Paid Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$720.00} {$0.00} {$500.00} Credit Limit : {$500.00} {$500.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Unknown Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Payment after charge off/collection Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber. 
Account legally paid in full for less than the full balance. 
Consumer disputes this account information Settlement accepted on this account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year 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 CO XXXX XXXX XXXX XXXX XXXX OK OK XXXX XXXX OK OK Equifax OK XXXX OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX OK OK RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Checking or savings account

A theft stole a check of mine that I put in a mail box and with my banking information paid his XXXX XXXX bill. The amount was taken for my Chase checking account bank on XX/XX/XXXX for XXXX dollars. I have tried to get my money back but the bank is not helping me. Then I tried to get my money back from XXXX XXXX helped they said it will a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax shows a collection my account with no information on who original debtor is all it shows is {$160.00} collection account this is my 3rd request and NO response this is obviously fraudulent and my SS # has been stolen
Product: Credit reporting or other personal consumer reports

In 2023, the CFPB banned XXXX XXXX for their deceptive business practices. All of those consumers were relieved of their debt, with no further monetary obligations attached. However, XXXX XXXX sold the debt, with my name attached to it to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX purchased this fraudulent debt & then attached it to my credit report. With no contracts or signatures, this company reported the debt to all 3 bureaus. I have disputed this debt multiple times. Yet, Experian keeps denying my dispute request and they refuse to remove it. I have made them aware of the CFPB ban and I have notified Experian of this fraud. This false reporting has hurt me tremendously. It has lowered my credit score and made me appear as a delinquent consumer. In return, this false reporting has kept me from getting approved for many things. Experian should not allow false reporting in any manner. This false debt needs to be removed.
Product: Checking or savings account

i contact chase bank to day to put a stop payments on two ach purchase the money was charged for XXXX dollars out of my account any way to XXXX XXXX XXXX from some eletronic check payments system than i didnt agree or allow this XXXX XXXX XXXX company to do and chase bank give this loan company system access to my account too do this after they had taken XXXX dollars out my checking account so the two loan company wouldnd i have access to my account for 18 month and chase bank guranteed me that those two loans company wouldnt be able to withdraw funds out of account, now chase bank has caused my account to be overdrawn by this loan company XXXX XXXX XXXX and chase bank failed to protact my account, and was treated very unkind by this bank XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint and asked for addresses to be removed XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX forever court XXXX, Va XXXX I never lived at these addresses and I have accounts linked To this address someone is syncing my credit it's an account I'm asking that these addresses be removed from my account I have already submitted one compliant and you said I didn't create that compliant XXXX is another number that isn't my number Either I'm asking for this information to be removed it is inaccurate.
Product: Credit reporting or other personal consumer reports

I have sent numerous letters to the credit bureaus requesting that several accounts be validated that are on my credit reports. Despite my numerous letters, these accounts are still reporting inaccurately. 

XXXX continues to report the payment history different on all XXXX bureaus. 

and XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) continues to report the payment history different on all XXXX bureaus. 

Per the FTC, this should have been corrected already per my numerous requests.
Product: Money transfer, virtual currency, or money service

Send money to a seller online after I sent the money I never received my item and the seller will not contact me back regarding my purchase
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXXof last year I got a loan from ACE Check Cashing so i could keep my self afloat. I had just lost my job and filed for unemployment ( i was told verbally was approved ) at the time when i took the loan. At the time the person i had been dating all year stole that loan money and disappeared i have not seen or heard from them since then. but now ace check cashing has filed a law suite against me because i have not made payment on my loan with them. I paid XX/XX/XXXX and nothing since then. they claim i knowingly committed fraud and thats what they are trying to charge me with. That is called Slander and not for them to determine. They are not in the business of judging some one like that. Over {$700.00} they are going to ruin my current life and future by making a FRAUDULENT claim against me that is SLANDER if pretty sure both of those are illegal. They reported my social security number to the social security administration as fraud. At a time when I am dealing with job loss, while my health takes the turn of needing to be placed on XXXX. iIn XX/XX/XXXXmy lease ended on my apartment. in XX/XX/XXXXI took this Loan with intent of renting an apartment till ( the former partner ) took off with that money. In XX/XX/XXXXi paid XXXX they filed fraud claim against me. By XX/XX/XXXXI already started process of filing for bankruptcy. I had no phone no job no place to live so that give ace check cashing the wright to file claims of fraud on my social security number preventing me from ever being approved of any thing.
Product: Debt collection

Have full coverage insurance, paid co pay of XXXX dollar as required be my XXXX XXXX XXXX plan to hospital XXXX at time of visit. Visit was 10 min to look in my ear. My insurance was billed afterwards. Then i got nasty calls from CMRE. XXXX to pay or they would destroy my credit. I explained to them the bill was paid in full. I now see repeat strikes on my XXXX credit reports from them. I would like to take legal action
Product: Debt collection

I disputed the open date of this account on XX/XX/22. The account is XXXX years old but was reported to the credit bureau as open date XX/XX/22.
Product: Student loan

My name is XXXX XXXX and I am from XXXX XXXX. I graduated from XXXX  University XXXX XXXX XXXX in XXXX. I promptly consolidated my federal student loan and refinanced with another company. The refinance company XXXX overpaid FedLoan Servicing. 
The problem lies in that FedLoan servicing owes me {$6300.00} and is refusing to reimburse me in a timely manner. This was in late XXXX. 

As of XX/XX/XXXX, there has been little action taken since then. FedLoan said they were sending a check but there never has been a check from them. Just excuses and platitudes. I should be reimbursed in a timely fashion with penalties and interest. They expect others to pay on time and would be livid if someone was overdue XXXX {$6300.00} for over a year.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I contacted Lexis Nexis to remove discrepancies off my report and the wrong addresses continue to stay on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX : Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my writteninstructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

While applying for a Mortgage Loan I discovered a significant amount of accounts, charges, inquiries, and negative reports on all three of the credit reporting agencies ' credit reports. I immediately began disputing the errors and followed the proper procedures in getting all the disputed items cleared from my report. I have been only slightly successful and getting the matter cleared up. I have filed a FTC identity theft report and sent certified copies to each reporting agency along with some creditors and have closely monitored my own reports watching for changes. I have received several letters for XXXX, Equifax, and XXXX using stall tactics in the correspondence stating they are unable to clear up the matters with statements like my documents were blurry or unclear, or the accounts have been validated etc. When asked to provide evidence of how they validated, I've received nothing and its been over 30+ days since sending the request. 
I feel like my legal rights have now been violated and their lack of response accordingly is now costing me several thousand dollars since im unable to obtain adequate housing and remain homeless due to low credit scores caused solely from the identity theft keeping me from gaining a mortgage. Due to the severity of the damage, its causing I want the agency held accountable for the violation of my rights and this report is only one way I plan to seek justice. I have the intent of also filing lawsuits of all parties involved including reporting agencies, credit collectors, and credit debtors and all other parties involved. 
I am hopeful this report will encourage the reporting agency to comply with the rules and laws and update my credit report asap.
Product: Credit card

Ive been added as an authorized user to a card that I never agreed to be added to at JP Morgan and Chase credit services.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX located in XXXX XXXX ; EXPERIAN located in XXXX XXXX and XXXX located in XXXX, XXXXThis company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as per the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, XXXX, EXPERIAN AND XXXX have consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this XXXX bureaus namely XXXX, EXPERIAN AND XXXX have inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Product: Credit reporting or other personal consumer reports

I was the cosigner on a loan for my daughter 's XXXX XXXX XXXX that was traded in for a new leased vehicle in XX/XX/XXXX. The loan was supposed to have been paid by the new creditor for the new lease arranged through the dealership that she leased the new vehicle with. Neither my daughter nor I have received any bills from the creditor attached to the XXXX XXXX XXXX since it was supposed to have been paid off in XX/XX/XXXX. Now the company has put an alert on my credit report saying that the loan is over 30 days past due effective XX/XX/XXXX. I have requested statements showing the balance before and after the payment in XX/XX/XXXX and have not received them.
Product: Credit reporting or other personal consumer reports

. I sent a letter out on XX/XX/XXXX to XXXX, transunion, and XXXX. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 


According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


I would like to know who did they talk to. 

How did they complete this investigation?
Product: Credit reporting, credit repair services, 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 name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account XXXXXXXX XXXX  # 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 that the information is inaccurate.
Product: Debt collection

I Have no idea where the debt they are trying to make me pay came from but it 's not mine
Product: Money transfers

I signed up for a free Paypal account and nowhere did I enter my social security number or any portion thereof. I logged in the next morning to see Paypal had the last XXXX digits of my social security number ( hereto referred to as " SSN '' ) and that I had a credit line. I was alarmed and called Paypal to ask how they had my SSN, without me ever entering it, and was told they obtain it through my name, date of birth and street address. I was taken aback and asked about the credit line, to which I was told I signed up for PayPal Credit. No worries, she said, it was a soft pull and they could close it. I closed the credit line due to never signing up for it and closed my Paypal account due to them obtaining my SSN without my knowledge or consent. I had a feeling I was lied to and it was a hard pull so I checked and sure enough, it was a hard pull on my XXXX report. I disputed the pull with XXXX and was denied because Paypal insists it was a factual pull. Per their request, I sent it a form asking Paypal to remove the pull and they refused - over and over again. Not XXXX single customer service rep expressed concern or surprise. On XXXX XXXX, 2015 the CFPB issued a complaint against Paypal for this very problem. With this as my proof they were in fact signing people up for Paypal Credit without their knowledge or consent, I again asked for them to remove the hard pull from my XXXX report. They again refused and asked me to forward the request to their Executive Escalations Team, to which I have not received any updates or response. 

Paypal signed me up for Paypal Credit, I did NOT apply for this service. I did NOT see anything informing me I was signing up for credit, when I signed up for regular Paypal. Their practices are deceptive and illegal. XXXX confirmed Paypal only used my name, date of birth and street address to do the unauthorized hard pull. I want the hard pull removed from my credit report.