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

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX  helped me out by finding a way to check if my XXXX  emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Product: Checking or savings account

On XX/XX/XXXX, I was shocked to learn from a Chase Paymentech agent that my business funds had been held since XX/XX/XXXX due to the erroneous information that I had been deceased since XX/XX/XXXX. 

When I reached out to customer service, they informed me that attempts were made to contact me in XX/XX/XXXX via phone and email to verify the information about my supposed death. I want to emphasize that I never received any calls or emails from Chase Paymentech about my death. Plus Chase Paymentech was not able to forward me any emails, phone or voicemails that were done in XX/XX/XXXX. 

As a regulated financial institution, I believe they must verify critical information such as a client 's death with official documents such as a death certificate from the New York State Department of Health or other relevant authorities. 

Once I proved that I was indeed still alive and got all my business funds back into my account. I reached out to the Account Escalation Specialist IV Chase Merchant Services - Escalation & Complaints to get the name of the entity or individual who gave them that information, and a copy of the death certificate used to determine their decision to hold my business funds. I need that information to correct it and prevent any future problems that could be dangerous for my business. 
Then I was told by the Account Escalation Specialist IV Chase Merchant Services - Escalation & Complaints that my social security shows that I was deceased. 
I called and verified directly with them and they do not have that information. I even went to NYC Vital Records to get a death certificate ( absurd right? ) and they laughed and told me to move on. 

As a business owner, I need to protect my company and identity. 

I made several attempts with the Account Escalation Specialist IV Chase Merchant Services - Escalation & Complaints and she refuses to give me that information. 

This is potentially an attempt at identity theft that I would like to correct and report to authorities. How can I be sure that any other of my business or personal information has not been compromised?
Product: Credit reporting or other personal consumer reports

I have No Knowledge of these XXXX  inquiry 's The Higher Inquiries a result of identity theft, And That it Must Be Removed no later than XXXX business days as per XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Accounts # XXXX # XXXX # XXXX # XXXX XXXX have 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 instructions.
Product: Debt collection

I was emailed by Tuitions Options at XXXX PM on XX/XX/XXXX. This company emailed me at a time that is inconvenient for me. They are prohibited from contacting me after XXXX XXXX  I will be sending a letter to the address that they provided asking them to contact my lawyer. They are asking me to pay {$4100.00}. They also said in this letter that delinquencies may be reflected in my credit report. According to Tuition Options, this letter is an attempt to collect debt for a university I was attending. I am currently in the re-enrollment process to start attending this university XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : 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 TransUnion credit reporting agency , block 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 personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), a personal credit card opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), a personal credit card opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), a mortgage account opened at XXXX XXXX  XXXX on XX/XX/XXXX under the account number ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against Experian for Willful Non-Compliance Under 15 U.S.C. 1681 Dear CFPB, I am writing to formally submit a complaint against XXXX for what I believe to be willful non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681. This complaint concerns their handling of my XXXX XXXX XXXX account disputes, which I have raised multiple times. 

Despite my repeated requests for investigation and correction, Experian 's responses have been inadequate and dismissive. Experian credit report. This assertion is troubling, as the XXXX XXXX XXXX account is a critical part of my credit history and should be accurately reflected in my report. 

Under 15 U.S.C. 1681n, civil liability is established for willful non-compliance with consumer credit reporting requirements. This law states that any entity that willfully fails to comply with these requirements can be held liable to the affected consumer. The liable party may be required to pay the consumer actual damages or a statutory minimum of {$100.00} to {$1000.00}. Given Experians repeated failures to address my disputes appropriately, they are in violation of this statute. 

Furthermore, Experian, which has faced scrutiny for failing to conduct proper investigations into credit reporting errors. As noted in recent CFPB actions against these agencies, there is a clear obligation for credit reporting agencies to ensure the accuracy and completeness of the information they provide under 15 U.S.C. 1681. 

Experian 's refusal to acknowledge and report the XXXX XXXX XXXX account accurately not only affects my creditworthiness but also jeopardizes my access to essential services such as credit, employment, and housing. Their actions appear to mirror the improper practices identified in the CFPBs recent investigations into XXXX and Experian, raising concerns about systemic issues within the credit reporting industry. 

I respectfully request that the CFPB take action against Experian for their failure to comply with federal regulations under 15 U.S.C. 1681, as well as for their inadequate responses to my disputes. It is crucial that all credit reporting agencies uphold their responsibilities to consumers and provide accurate information. 

Thank you for your attention to this matter. I look forward to your response and any actions you may take regarding my complaint. 

Sincerely, CFPB, EXPERIAN CONTINUES HONOR MY REQUEST, STALL TACTICS ASKING FOR MORE IDENTIFICATION. MY FINANCIAL INFORMATION IS MY PRIVACY. MY NAME AND ADDRESS SHOWS THE SAME ON ALL 3 FORMS OF IDENTITY
Product: Debt collection

They have been calling me about 6 or more times a day sometimes its back to back calls with different numbers but same company, the reason I know is because sometimes I return the callback and they greet me with " SRS '' and their name. I have stated to them that I will call them about my debt. I am aware that I still owe Spire Recovery Solutions ( SRS ) money but at the moment I only have enough to make my ends meet. I have spoken to different agents letting them know and they have stated they WONT call again. But getting 6+ calls a day just by them is quite absurd at this point. I am getting harassed on a daily.
Product: Credit card or prepaid card

Capital One Bank has not updated my account as a {$0.00} balance
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX  account # XXXX, XXXX  XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX, and XXXX XXXX  account # XXXX have 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 instructions.
Product: Debt collection

Received incoming call from ( XXXX ) XXXX at XXXX. Debt collector said they were from RMP debt collection and that I owed {$140.00} from XXXX XXXX XXXX provider. I was not aware of an outstanding medical bill and I did not receive mail or communications about it and rep said that I should have. I recognized the medical provider so I gave my credit card info over the phone and was charged {$140.00} on XX/XX/2020. 

I checked my records and I had already paid this bill on XX/XX/2020. I called the number back and spoke to a rep about getting a refund. They told me to text photos of proof of payment. I texted 2 photos, I of the bill that I marked " paid '' with the date and also a screenshot of my credit card statement that should the same XXXX XXXX bill that was charged on XX/XX/2020 for {$140.00}. I did not receive further communications about receiving a refund. I believe RMP Debt Collection agency should be scrutinized and investigated for their practices. This isn't the first time we've encountered " errors '' that have caused us harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past three years I have been disputing serval accounts on my credit report. In the past month I have submitted serval disputes for two accounts which Experian has failed to take into account of the supporting documentation. My last attempt was made today XXXX to have both accounts removed from my credit report. The credit bureau continues to violate my consumer rights by reporting incorrect information on my credit report. This credit bureau failed to properly investigate and report accurate information on my credit file. Also this debt collector has agreed to closed and requested for deletion of accounts to be removed from my credit report. Please see attachments on how the credit bureau allowed a company to violate my consumer rights
Product: Credit card or prepaid card

On XX/XX/2023 I called Elan at XXXX and spoke with XXXX at XXXX. 

I was calling to pay off my {$770.00} debt in full and to ask that my account be closed. 

XXXX informed me that she could not take my payment. That my payment " was not necessary. '' I asked to speak to the manager to have him/her take my payment. I was repeatedly told that Elan is unable to accept my payment and that the " payment was not necessary ''.

I told her that I was trying to buy a house and needed to resolve this debt because Elan reports the account on my credit report as a negative mark, reducing my credit score.

I pleaded with Elan to take my payment in full to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card and I got denied. I was not told the reason why I got denied, I went home and decided to get a copy of my credit report in XXXX XXXX  and I saw various items that had been open. These items are not mine. Someone has used my information to open up all these fraudulent accounts. Please take them off my credit report.
Product: Credit reporting or other personal consumer reports

Notice To Sue XX/XX/XXXX Subjet : Final Request To Remove Or Delete disputed accounts and Resolution Dear Equifax Credit Bureau, I am writing regarding the continued over the accounts detailed below, for which I have received yet another generic response, the same response as usual from Equifax Credit Bureau. 
XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter marks another attempt in a series of communications aimed at resolving this issue. The lack of a thorough investigation in this matter by Equifax Credit Bureau is not only frustrating, but also suggests a disregard for the CFPB laws designed to safeguard individuals like myself. Given the history of these disputes and the documentation of all related correspondence, I am seriously considering the involvement of my consumer rights attorney to assess potential violation of my rights. This is a final appeal for Equifax Credit Bureau to correct or remove the inaccurate information on my credit report. Failure to address this issue satisfactory, will compel me to pursue all available avenues, including filing complaints with the Justice Department, Office of the Comptroller of currency, XXXX XXXX, XXXX XXXX XXXX XXXX, Division of Credit Practices, XXXX XXXX XXXX XXXX as well as my State Senator, Congress, the XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX The resolution of this matter now rest with Equifax Credit Bureau to take appropriate and immediate action. I have sent all the proper documentation into Equifax Credit Bureau as they requested to get these disputed accounts removed from my credit report and they still did not correct my credit report. I hope to receive a response within 15 days of Equifax Credit Bureau receive this letter. My attorney is watching closely for a resolution in this matter. 
Sincerely. 
XXXX XXXX
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX in XXXX. I financed the vehicle through Santander the majority date on the loan is XX/XX/XXXX. But I will still owe a balance. It seems like all the payments were going to the interest and nothing was going towards the principal. I basically still owe what I paid for the vehicle.
Product: Credit reporting or other personal consumer reports

Transunion is furnishing accounts on my consumer report that is a result of an alleged identity theft. The accounts are information that does not relate to any transaction by myself, and I did not benefit from the transactions. I sent Transunion written correspondence which included my proof of identity, an identity theft report, identification of such information, and a statement as the law requires. They are required to block and delete these accounts within 4 business days of receiving my notice.
Product: Debt collection

Midland XXXX put a hold on my personal daily checking account for XXXX when it only had about XXXX. This amount doesn't go thru my account in 2 or 3 mo. This debt must be at least XXXX old.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX
Product: Checking or savings account

On XX/XX/year>, I noticed fraudulent activity on my account. I called the bank to file a dispute against the fraudulent charges. The bank at that time said the account would have to be closed and I would have to open a new account for them to transfer the funds to that account and they would overnight a new debit card so I could have access to my funds. That evening XXXX  I received a text message saying that I had to call them because the address couldn't be confirmed. They then said they would overnight another card, same thing happened, I received a text message that night saying the card couldn't be sent because I had to call to verify the address. Now tonight, XX/XX/year>, I received yet another text message saying the card can't be sent because the address has to be confirmed. This bank is jerking me around and I want my money, there is thousands of dollars in that account that I have no access to be able to get. I asked them if there was any other way for me to get my funds, I was told no. I want my money. These type of banks should not be able to XXXX people like this!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I purchased a used car from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MN, XXXX. Their phone number is XXXX. I wrote a check for payment-in-full for the vehicle, and was told the only way they could accept a check was if they ran a credit report, and that the credit report had to be over 700. They could have called the bank for confirmation of funds or asked for a cashiers check but the did not. I don't know why they had to run a credit report when I wasn't taking out a loan, but the said they did. I ended up with a 55 point drop in my credit score for a credit inquiry that didn't need to be run!
Product: Vehicle loan or lease

Hello my name XXXX XXXX I have hearing impairments and severe brain injuries that affect my everyday life. I called NMAC asking multiple times about getting out my maintenance plus contract.First lady told to drive to Nissan dealership to have my mileage statement signed when got to Nissan Dealership in XXXX XXXX Ca the general manager tells we dont sign documents turned me away.So the general manager assisted by calling NMAC asking what is supposed to do. I drove 40 miles to that dealership the rep on the had a heavy accent was not getting any where. I asked for supervisor call back to address the miscommunication never happened.Called on XX/XX/XXXX explaining situation again the rep tells I cant record the calls which it a violation of American Disability Act if you have certain conditions such as hearing impairments or other XXXX  XXXX helps with effective communication skills. I feel like Nissan discriminated against me because of medical conditions that would help effectively communicate the law went in affect XX/XX/XXXX according to the ADA under Effective communication. I am filling a Federal Complaint under ADA Civil rights were violated.
Product: Mortgage

I was on forbearance throughout XXXX because I lost my second job. Then on XX/XX/XXXX I became XXXX. 
FHA assisted paying my arrears. When I called XX/XX/XXXX to pay my monthly payment they said that the monies left over from FHA covered it and I was all set. 
Now, I am receiving a mortgage statement of {$4700.00} for XX/XX/XXXX. It states that I am behind for XXXX, XXXX and XX/XX/XXXX. 
I called them every month ( sometimes many times ) and they never mentioned this to me. I think I have been scammed. Arvest Central Mortgage misrepresentation at its best. 
Please advise. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report with capital one credit wise tracker is showing that i owe a balance to Washington state child support of almost 40 thousand, this is not true the balancein fact is nearly paid off and should be posting no more than 1000, in a couple months it should be paid in full i do not want to continue to have my credit showing balances owed that are not ive reported to capital one this is not accurate and they have not yet updated this information
Product: Vehicle loan or lease

I am 16 days late on my payment and Ally will not allow me to make my payment. I can not make it online, it requires me to call. When I call the number listed, I get people in a foreign country to struggle to speak XXXX. Nobody can help me make the payment and I am volleyed from person to person who can not help me make the payment. Each time I am asked for a litany of the same information. I am over 2 hours into trying to make my payment and still can't on the phone and still can not online because the payment is XXXX  days past due. This is predatory lending when a person is trying to make the payment and they will not let you do it online, and will not help you on the customer service line.