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

I was a victim of ID theft someone has used my my name and information to file taxes and open up accounts for credit in my name. I am in the process of fixing the mess caused by this fraudulent activities. There is a ton of addresses and numbers that are not mine that I need removed. MyLegal name is XXXX XXXX XXXX ( Not XXXX ) DOB XXXX SS XXXX my current and only address XXXX XXXX XXXX XXXX, XXXX, OH XXXX, please remove any other variation of my name they are not accurate. I need the following addresses removed from my credit report they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX , OH XXXX
Product: Credit card

On or about the XXXX of XXXX, I submitted an application for a Lowes credit card. They wanted to verify myself via a text message. Told them I do not have access to a cell phone, I only have a landline. I requested they sent the verification code to my email address. They stated they could not do that, so that stopped the process. I went to the local LOWES store couple days later to apply thru the store .Which I did. Today I received a denial letter from Synchrony Bank, stating reason for denial was " Prior application submitted too recently '' I presume they are reference the one I could not verify via a text message. My credit is stellar, and information on my credit cards show no missed payments, no late payments, nothing on my credit report that is negative in any manner. As my date of birth is XX/XX/year>, age XXXX XXXX XXXX, THIS IS, IN MY OPINION THE REASON THEY TURNED ME DOWN. I have always paid my bills, my records state as much. If they are using a credit report to approve or disapprove a credit card, my application should be approved.
Product: Debt collection

This company is reporting negative information on my credit report but will not provide requested information to validate the debt. I requested a contract or signed agreement between myself and the company, verification of ownership of the debt or proof that this debt is valid and approved by myself, I received no response to my many requests.
Product: Credit reporting or other personal consumer reports

Account Number : [ XXXX ] The late payment in question is reported by [ EQUIFAX ] for the period of [ insert date of late payment ]. I believe this information is incorrect and does not comply with the requirements outlined in the Truth in Lending Act ( XXXX ), specifically section XXXX XXXX XXXX XXXX XXXX XXXX XXXX which mandates that creditors provide accurate and complete information regarding the terms of credit, including payment history. 
Furthermore, according to the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX XXXX XXXX furnishers of information must report accurate details. The late payment reported does not reflect my true payment Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. I am respectfully requesting a validation of debt, pursuant to 15 USC 1692g, alongside Anybody can do it a cease-and-desist proof of claim. Please provide proof of claim and demand to see and authentication contractual agreement that authorizes the legal or lawful collection of this alleged debt. Account : CAINE & WEINER # XXXX
Product: Credit reporting or other personal consumer reports

I trust this letter finds you in good health. I am writing to bring to your immediate attention a critical matter involving the unauthorized disclosure of my credit information. 
As an individual deeply impacted by my upbringing and surrounding environment, the protection of my personal data holds paramount importance. My unique circumstances have instilled in me a profound awareness of privacy and the crucial necessity for consent in the sharing of sensitive information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - & quot ; Permissible purposes of consumer reports, & quot ; it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned. 
It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this week, Equifax announced they had a cyber security data breach that affected many people. Based on their link that tells you if you may be affected or not, my information may have been affected. This is unacceptable. I try to make habits of protecting my credit, and this company just negatively affected millions of lives. Based on the fine print, if I register to get a year of free credit monitoring, I forfeit my right to sue. This is also unacceptable. Just because someone may have took my information does not mean they will use it within a year.
Product: Credit card or prepaid card

I believe that the company misunderstood what my complaint was the first time. I only used my card when waiting for my debit card to arrive. When I did use I paid it off as soon as my debit card came in. ( No more than 1 week ). This occurred initially in XX/XX/2016. In this case I went in to pay my bill as soon as I received my debit card IN-PERSON by going into the local aafes base exchange. I paid the amount in full because I know I used my card recently and then I shredded it because I knew I wouldn't be using it after my debit card came in. Next month I received a bill saying I had money due. It didn't make sense, so I immediately went into the base exchange. I went in the next day and they told me that I already paid my balance and I had a balance of XXXX dollars. I told them I received a bill that said I had a balance. I figured that it was an old bill balance just talked to them and they realized they made a mistake to begin with. I did not receive statements for several months after that, for good reason, I assumed since I hadn't used my card. After 8 months I received a call from my flight commander and said I had a bill due with accumulated interest. I went back to aafes and told them exactly this. They were helpful and apologetic. They called star card department for me. I talked to a guy that was not willing to help at all. He was very hard to deal with, but I was finally able to pay my bill with acquired 8 months of interest. Whether the mistake came from aafes employees, the military star card company, or the XXXX XXXX, I am became a victim without any opportunity to help myself. This severely hurt my credit since I have never owned a credit card before this and it is preventing me from owning a basic level credit card at all.
Product: Checking or savings account

On XX/XX/2023, I was charged {$100.00} through an app by the name of XXXX XXXX XXXX XXXX Though I recognize this company, and was looking forward to doing buisness with them they did not hold my reservation for rental car. 
Not only was the rental company ( XXXX ) unable to provide me a vehicle, they changed my desired pickup location in XXXX XXXX, to downtown XXXX off of XXXX XXXX. I battled with this company since day one, even told me that I wasnt eligible to be refunded, even though I purchased their peace of mind protecting which states if I encounter problems at counter then Id get a refund in THE FULL AMOUNT. 
Chime has since recieved all information, documentation and proof regarding my claim. They told me I wasnt eligible for provisional credit. Come to find out 4 days ago, CHIME MISCATAGORIZED MY DISPUTE and now Im having to wait even longer. Im told the dispute status will be resolved by the XXXX of XXXX.
Product: Credit card

Someone who call himself XXXX asked me to use his XXXX and XXXX account to pay back my credit cards in exchange of favors. I am being cautious and trying to not getting scammer by other people. So I called the Discover credit card and asked for how long I need to wait until the payments I made using XXXX 's checking accounts won't be reversed. The representative told me to wait 7 business days. I waited for 7 business days the payment has no problem. So I trusted this person. So this person who call himself XXXX, asked me to help him buy Gift Cards, totally amount $ XXXX, but after a month, all the payments he made to my credit cards has been reversed. 

So my demand to Discover credit card company is that I am not liable to the $ XXXX credit card total purchases I made for XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an online dispute with Experian on XX/XX/2021 for the OFFICE OF THE ATTY GENER that starts with XXXX as being late. Experian completed their investigations in less than 20 days. No way was this a thorough investigation process. In my dispute, I have requested contract with my signature to prove that this account is mine or its lateness. I suspected Experian requested public information from XXXX or sage stream. Please direct Experian to delete these account from my credit report as being late. Their lack of investigative process was not accurate. By FRCA law and FTC Law, my report must be accurate, no errors and verifiable. I have attached their online result for your reference.
Product: Credit reporting or other personal consumer reports

This account is not mine, this is the second time I've asked you to review it, please. Account - XXXX  XXXX Account # XXXX
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX, I took out an online loan with Onward Credit. The line of credit was {$550.00}, as I paid the loan off, I was given an increase limit as of XX/XX/XXXX to {$1100.00}. I did take out the advances however on more than one occasion I had asked to close the account to avoid paying enormous fees. The interest rate is at 359.1 % and the average amount taken out of my bank account is about {$250.00} every 3 weeks. I have paid onward credit over {$1500.00} and still have a remaining balance of {$420.00}. There seems like that there is no relief insight.
Product: Debt collection

I received a bill from XXXX XXXX for about {$2300.00}. I phone the Ambulance company, gave them all my information in hopes of getting help. I also informed them, I had not received any services from their company. I asked them to send documentation of services and any and all signed documents-They could not supply any documentation. I noticed my credit score dropped and to my surprise they referred me to a collection agency. Grant Mercantile place a collection on my file. I disputed the collection with all 3 credit reporting agencies. XXXX  and XXXX were deleted XXXX kept it on. I have disputed this idea twice with XXXX and phoned them. They said it will remain, yet gave me no satisfaction as to how it was verified. I contacted the company asking for proof I received nothing.
Product: Credit reporting or other personal consumer reports

In XXXX, while reviewing My consumer credit report, I noticed an several unauthorized accounts. On XX/XX/year>, I provided XXXX notice of these unauthorized accounts. In said notice, I requested the following information : " Provide all of the following information and submit the appropriate forms and paperwork back to Me along with the Affidavit signed in accordance with XXXX United States Code Section 1746 within thirty days from the date of your receipt of this request for validation and proof of claim : i. Alleged Name and Address of Creditor : ii. Name on File of alleged debtor : iii. Alleged Account Number : iv. Amount of alleged debt : v. Date that this alleged debt became payable : vi. Date of original charge off or delinquency : vii. Amount paid if debt was purchased : viii. Please attach a copy of any signed agreement debtor has made with debt collector, or other verifiable proof that debtor has a contractual obligation to pay debt collector ; ix. Furnish a copy of the original promissory note/agreement redacting My social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for My own and a judges inspection should there be a trial to contest these matters ; x. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect ; xi. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt ; xii. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note ; xiii. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity ; xiv. Verify you know and understand that credit card contracts are a series of continuing offers to contract and as such are non-transferable ; xv. Provide verification from the stated creditor that you are authorized to act for them ; xvi. Verify that you know and understand that contacting Me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of 18 United States Code Section 1341. '' I was not provided the requested information nor resolution to this matter. It is a violation of the Fair Credit Reporting Act for XXXX to knowingly and willfully report invalid reports on My credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 : also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 


Account : XXXXXXXX XXXX XXXX XXXX Type : Credit Line Amount : {$2100.00} Reason : This account does not belong to me. I did not authorize or verify opening of this account. I have submitted several disputes with the credit bureau requesting additional identifying information and the company has not provided any information that ties this account to me. I want the credit bureau to provide me with the method of investigation that was used to validate this account. This account needs to be removed immediately.
Product: Checking or savings account

All checks have a bank account & routing # at the bottom. As a business we are writing checks all day long ; handing them out to delivery drivers, ect. Someone took our bank account and routing # and made an XXXX purchase in the amount of XXXX. There was more fraud on our account, which has all been reimbursed, with an unbelievable amount of time spent on it. This transaction however they will not credit back. There is a " one day limit '' and after that it is " out of XXXX XXXX XXXX  hands '' due to " federal regulations. '' This specific fraud used Continental Finance which then used tele check, which both acted as smoke and mirrors, which also makes it unbelievable difficult to get to the original source of fraud. 
XXXX XXXX XXXXXXXX is the Initial issue but we are too small of a business to change anything all they tell us is tough luck. We are trying to contact Continental Finance because they are who the fraudster used as first point of this. The other bank XXXX XXXX XXXX which the funds were deposited into will not speak to us.. they will only talk to XXXX XXXX XXXX , but XXXX XXXX XXXX doesn't want to spend the time or resources. 
It is not mine or the business 's fault that this information is so readily displayed to the world. XXXX XXXX XXXX has a flaw in their system and are loosing millions if not billions of dollars due to sheer lack of competence & wiliness to resolve the problem at its core.
Product: Checking or savings account

My debit card was canceled XX/XX/2022 on XX/XX/2022 my account had more than {$3000.00} XXXX checked my account XXXX XXXX to find out I only had {$900.00} then on XXXX another {$2800.00} was deposited.including {$1000.00} from unemployment and {$1800.00} social security.I was told to give them another XXXX business day to get it straight I never heard back from them, I call claims and was told the case was closed. Please help
Product: Debt collection

XXXX XXXX reported a debt ( {$140.00} ) to my credit report as an unpaid debt - chargeoff/write off. It has negatively effected my credit. I have never done business with this company, nor have I ever heard of them prior to when I tried to fix my credit. 

I learned about this erroneous notation on approximately XX/XX/2017, i hired a credit repair company to dispute this entry and have it removed but they will not budge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax dropped my score 138 points due to 1 hard inquiry and {$670.00} added to one of my credit cards. I have excellent credit and the others only lowered my credit by 2 points! Equifax dropped my score from XXXX to XXXX! This is absolutely ridiculous and the hard inquiry was to buy a home! I have tried to file a dispute on their website and they throw me offline. I have called twice and they wouldn't acknowledge the score but kept telling me about 1 hard inquiry! I couldn't get anywhere with them nor would they let me file a complaint! Both other scoring models only dropped 2 points! Totally unfair and shouldn't be allowed to handle people 's credit scores! 18 years and 100 percent payments on time!! Equifax should be put out of business!!! Thank you, XXXX XXXX
Product: Debt collection

I am writing to formally file a complaint against Professional Debt Mediation , Inc egarding their erroneous reporting of fraudulent and identity theft accounts associated with my name. Despite my previous disputes, I have received no satisfactory response, and the unjust claims persist on my credit report. 

I HAVE ATTACH MY POLICE REPORT TO THIS COMPLAINT PLEASE SEE ATTACHMENT : Details of the Disputed Accounts : Professional Debt Mediation , Inc Account : Account Number : XXXX Date of Dispute : XX/XX/2023 Description : This account resulted from identity theft, and I have previously disputed its validity without resolution. 

Description : This account is also a result of identity theft, and despite my repeated attempts to rectify the situation, the erroneous reporting continues. 
I have diligently provided all necessary documentation to support my claim of identity theft, yet the mentioned agencies have failed to conduct a thorough investigation and discharge these fraudulent accounts. This persistent false reporting has adversely affected my creditworthiness, causing unwarranted financial and emotional distress.
Product: Credit reporting or other personal consumer reports

I filed several disputes with Transunion on the XXXX XXXX account on my report there has been error after error reporting every month, this account has been charged off since XX/XX/23 but showing last payment reported XX/XX/23, at this time I no longer had possession of the vehicle, today showing missed payment on a charged off loan. I want Transunion to remove this account for inaccurate reporting and shared information without my consent. This has been going on for over 6 months for inaccurate reporting and violations. I want this account removed immediately.
Product: Credit card

XXXX XXXX I requested to have LOUISIANA-SCRA be applied to my American Express account XXXX 
XXXX XXXX My request was denied and was stated if I have additional documents, that I can resubmit. So I resubmitted with additional documents ( LES showing my home of record is Louisiana, activity duty status, SCRA for Louisiana Laws plus more information. ) XXXX Just received another denial for SCRA citing my card already has XXXX and that debt was acquired during military time. Even though XXXX XXXX XXXX debt acquired before and during XXXX XXXX status.
Product: Credit card

Per the FCRA, Im entitled to a complete and accurate credit report. Chase is not abiding by these requirements. There are multiple inaccuracies that Ive tried to dispute and reinvestigate with the credit reporting agencies that keep coming back as verified per the FCRA. Chase is reporting an inaccurate date opened, last date reported, last date active and last payment date. They are also reporting inaccurate late payment history and a past due balance on a charge off account. I demand for Chase to delete this inaccurate account from my credit report.