23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Awa collection account is inaccurate. The account is my brother account with similar name. However I signed for his bail for initial XXXX payment that's it. According to brother account was settled. I reached out to company asking for verification ... No reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX Texas XXXX Equifax Credit Services Dispute Inquirys Dear Equifax Credit Services, This letter is a formal request to remove ( 16 ) unauthorized inquiries from my credit report. I did not authorized. These inquiries are fraud. 

Inquiry details XXXX XXXX Dealer S Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX - Auto Finance Inquiry from XX/XX/XXXX All Banks XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX In Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX 

In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 
Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 
Sincerely, XXXX XXXX
Product: Debt collection

Since XX/XX/year> I have seen this company on my credit I have sent them a cease and desist with attempt of damaging my credit. Send verified proof of the wet signature. I am not even aware or know or have knowledge of the company the are trying to collect from. Have sent multiple dispute through experian stated this isnt me and even the address they have on file isn't mine. I am also on extended fraud alert when my all my credit cards where stolen. And even the copy of the police report when my XXXX yr old was sleep and the cards where stolen. There was a FCRA investigation on my report. They have called numerous times over the year. And being hostile towards me. Since they on the XXXX, calling to XXXX at odd times. I explained to them under the Fair debt act sec 802 the use of unfair debt practice. My old neighbor was question stated they was filing a lawsuit trying to gain knowledge of new address. I asked for a debt validation letter, and asked them through a letter and on all bureau stop contacting me in this manner
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I been trying to get my credit information fixed by Equifax I called them since last year about the same issue they arent reporting correctly and also called them today to check my report and still not being reported correctly.
Product: Prepaid card

I had contacted my card service which was cash app and asked for help to dispute multiple charges from one merchant, the representative from cash app told me they werent able to help me dispute them all at once that I had to make individual separate disputes forms sent out to my email address and then click on the link in my email and then verify I identity before I start a dispute which took time and I send in proof of documentation with each individual dispute, after some time I had gone to check for an update on the disputes and there was no trace of them ever being submitted, I contacted cash app several times and and then ever time I had connected with an agent there was a problem with our call, the call would dropped and lose connection which made no sense to why the call dropped all sudden, another time a cash app agent was being very rude with me and not giving me the opportunity to speak directly with him and he then disconnected our call, I tried to explained to him that in my cash app application account it would not allow me to dispute the transactions and asked why is there no trace of my disputes but then again I could not dispute them in the app, that had told me that something was strange about this that only the transaction I had disputed was the only ones I could not dispute them again after confirming that cash app agent had no trace of my disputes and advised me to process them again. After submitting them a second time and as soon as i was done filing the claim on the last transaction and clicking the button SEND, I immediately got a notification in the cash app account that my account has been closed deactivated and to withdrawal any remaining funds or cash out any bitcoins or any investments and if I want to make an appeal to reopen my cash app card, after filing an appeal twice already because Im nothing getting any response back then called cash app and spoke to a live agent and still cant get any information on why my account was closed she told me she was gon na file a appeal on my behalf and I will find out the out come in 7-10 days. Its been over 2 months now, I cant get my funds back from the disputes and I have no access or any control with the cash app account.
Product: Vehicle loan or lease

On XX/XX/XXXX, GM Financial repossess a truck that was paid in full. GM Financial is currently in violation of 31 USC 5118 as they are trying to attach a " Gold Clause '' to a note. I was extorted for over {$2600.00} just to get my truck back which is already paid in full. I sent them the legal notice below and have yet to hear back from them. 

GM Financial XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX Attention : Chief Accountable Public Officer Via Fax : XXXX RE : Notice of Billing Error per 15 USC 1666 To the Honorable Chief Accountable Public Officer, Greetings : Trustee/Attorney is aware under provisions set forth at 31 USC 5118 ( d ) ( 2 ) as of XX/XX/1977 there is no legal tender only notes. Notes can not contain a gold clause, as evidenced by your demand for tender of Payment a specific specie of United States money or currency. Said claim is in violation of 31 USC 5118, the text of which shall be recognized by GM Financial as legal evidence of the laws of the United States general and permanent in nature set forth, and evidences GM Financials violation of the Act of State doctrine and extortion. Trustee/Attorney believes that all statements received from GM Financial within the last sixty ( 60 ) days with regard to your attempts to collect a debt ; contain the following billing errors : 1. Statements reflect an extension of credit which was not made to the obligor by GM Financial ( 15 USC 1666 ( b ) ( 1 ) ).

2. Statements fail to reflect credit issued to obligor by signature and delivery of Unconditional Promissory Note, charged to Trusts accepted Treasury credit card by GM Financial in substitution thereof per 15 USC 1642.

3. Statements fail to reflect proper payment made to GM Financial by obligors financial institution ( 15 USC 1666 ( b ) ( 4 ) ).

This notice is based upon the attached documentary evidence.

Trustee/Attorney requests following documentary evidence to support GM Financials claims that You extended credit to obligor, and that any presumed assignment of future payment rights to GM Financial under any power of attorney, whether express or implied is not void. 

It Is So Ordered. It Is So Ordered. It Is So Ordered. 

/s/, Trustee By : __________________________, Attorney/Heir In fidelity. 
Date Signed : __________________ ************************************************************************************************************************ DELIVERY VERIFICATION In the presence of myself and the Father, who sent me ; hereby verify that on : _______________ We, as nobody deliver via First Class United States Mail, personal service, and, or electronic service, the foregoing documents to the Church in XXXX in accord with the Fathers Will at : Acts 5 : 29 and Revelations 3:7-13 AKJV 1611 ; for execution by His Angel : Addressees : GM Financial XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX Attention : Chief Accountable Public Officer Via Fax : XXXX GM Financial has also received this same notice via USPS Certified Mail : XXXX XXXX XXXX XXXX XXXX Please assist as GM Financial is currently extorting me for a loan that has been paid off.
Product: Credit card

I do not recognize this hard inquiry! 

Its from : Capital one Inquiry date was : XXXX Type : XXXXXXXX XXXX XXXX I filed a FTC report : reference # is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX XXXX, I received an e-mail alert from XXXX stating that American Express reported my credit card account ( Account # XXXX ) as being delinquent or late for 30 days for the month of XXXX, which is inaccurate on account of the fact that I pay my the minimum amount due by the XXXX of each month ( the billing due date ) and I would normally get an e-mail reminder from American Express stating that I have a new bill for my account prior to the XXXX. I immediately contacted XXXX XXXX XXXX at XXXX on XXXX XXXX to dispute the incorrect status on my report from American Express. On or around XXXX XXXX, I received an e-mail alert from XXXX stating that my dispute results were ready ; however, I noticed that American Express has not taken the proper steps to update my credit report and provide the correct status of my account from Late to Current. I then contacted the Credit Bureau Team at American Express on XXXX XXXX, XXXX at XXXX around XXXX XXXX and I was able to talk to two representatives on two separate occasions ( XXXX and XXXX ) who informed me that there was nothing that they could do regarding updating the status on my credit report despite the fact that I was informed by an American Express Customer Service Representative on XXXX XXXX at XXXX that I needed to contact the Credit Bureau Team to have my report updated. The American Express Credit Bureau Team representatives I spoke to on XXXX XXXX referred me back to the Customer Service Department at XXXX so they could be able to assist me with updating my credit report. Around XXXX XXXX, on XXXX XXXX, I contacted the Customer Service Department at XXXX and spoke to XXXX or XXXX who told me that I needed to call the American Express Credit Bureau Team to have the issue resolved despite my best efforts to explain that the Credit Bureau Team referred me to the Customer Service Department on two occasions. The bottom line is that I had been given the extensive runaround and no one from both departments could not resolve the issue. I have attached copies of my billing statements for XXXX, XXXX and XXXX and the billing statements clearly reflect that I pay my bill either before or on the due date, which is the XXXX of each month.
Product: Payday loan

Twi workers from Continental Credit showed up at my house and made threats to my father.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has failed to validate this account to be mines which is a violation of Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Cre Fair dit Billing Act, 15 U.S.C. 1666.
Product: Credit reporting or other personal consumer reports

I was looking over my consumer report and found hard inquiries that I do not recognize. Please take these inquiries off my report. Here are the inquiries I do not recognize : 1. XXXX XXXX 2. XXXX XXXX XXXX XXXX via dealer. 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX 10. XXXX XXXX XXXX XXXX. 11. XXXX XXXX 12. XXXX via XXXX XXXX 13. XXXX 14. XXXX via XXXX XXXX 15. XXXX via XXXX 16. XXXX XXXX XXXX XXXX 17. XXXX 18. XXXX via XXXX XXXX 19. XXXX XXXX XXXX 20. XXXX XXXX 21. XXXX XXXX XXXX 22. XXXX XXXX XXXX 23. XXXX XXXX 24. XXXX XXXX XXXX 25. XXXX XXXX 26. XXXX 27. XXXX via XXXX XXXX XXXX 28. XXXX 29. XXXX XXXX XXXX 30. XXXX XXXX XXXX 31. XXXX XXXX 32. XXXX XXXX XXXX 33. XXXX XXXX XXXX 34. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Chase has been sending email messages in relation to a XXXX XXXX Rewards program since XX/XX/XXXX. None have been clicked on or interacted with, these were only forwarded to XXXX, eventually resulting in an automated message with instructions to contact the bank. The CHASE branch visited on XX/XX/XXXX is the XXXX located in XXXX XXXX XXXX XXXX. XXXX XXXX, Texas. The manager that day did not see any accounts under my name or social security ; She said it might have been a phishing email and not to reply to it ( which I never did ). I kept getting emails related to a credit card account that was on its way. 

The unsolicited XXXX XXXX XXXX Credit Card from the emails arrived physically via mail on XX/XX/XXXX. I went to the same CHASE branch again, with the card in hand. The door clerk was referring me to XXXX XXXX as the steward and emitter of the credit card. After several questions to the clerks, the manager, who was able to look into her computer and confirmed the account existed with CHASE, and that it was already flagged as fraud. The Manager put me on the phone with someone from the CHASE credit card services who informed me that the account would be closed, and that all information needed to confirm the closure would arrive via mail. 

A confirmation of the accounts closure arrived in the mail, but only the typical one a common customer would get. There was no information from their fraud department or procedures for someone without proper access, like me. On the XXXX they included this account on my credit report as closed, which resulted in getting credit score deprecated XXXX points. Since this account was closed for being fraudulent, I believe the reduction of my credit score is unjust. 

To this day it says there was a promotional inquiry made to my credit by JPMORGAN on XX/XX/XXXX, and I still cant believe they were able to open an unsolicited credit card with just that. An Identity theft report was made with the Federal Trade Commission on XX/XX/XXXX. I was never given any information or help from their XXXX XXXX, and I even received another letter informing me that a duplicate application was submitted to them. I would like this CHASE account to remain closed, deleted, be taken off my credit report and for my score to be renewed as it was before their inquiry ; I was never a willing customer of theirs.
Product: Credit reporting or other personal consumer reports

: New Complaint : New Information : New FTC : This is not a duplicate CFPB complaint XXXX XXXX XX/XX/2023 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute and Complaint Against Equifax - Case # XXXX Dear Equifax Dispute Resolution Department, I am writing to formally dispute and file a complaint against Equifax regarding discrepancies in my credit report and discriminatory practices I have encountered. This correspondence pertains to Case # XXXX and includes new information to be processed as a separate and distinct dispute. 

**New Dispute Information : ** - **FTC Complaint # : ** XXXX ( Attached ) - **Accounts to be Deleted : ** XXXX. XXXX XXXX XXXX ( XXXX XXXX ) - Account # XXXX XXXX. XXXXXXXX XXXX XXXX XXXX  XXXX Inquiries to be Removed : ** - XXXX XXXXXXXX ( Actual account removed on XX/XX/2023 ) - XXXX XXXXXXXX XXXX **Factual Events : ** Today, XX/XX/2023, I spoke with Equifax Representative XXXX ( ID # XXXX ). During our conversation, XXXX XXXX revealed alarming information about internal practices at Equifax. She disclosed that several of my disputes, marked as investigated and completed, were canceled internally by Equifax staff without any proper investigation or removal of accounts. XXXX XXXX identified the following confirmation numbers associated with these canceled disputes : XXXX. Confirmation Number : XXXX XXXX. Confirmation Number : XXXX XXXX. Confirmation Number : XXXX Equifax Representative XXXX also acknowledged that Equifax has not followed up on any of my Consumer Financial Protection Bureau ( CFPB ) complaints. She advised me to file new CFPB complaints along with a Federal Trade Commission ( FTC ) complaint regarding discriminatory practices. 

**Credit Score Discrepancy : ** According to my records, on XX/XX/2023, my Equifax credit score was XXXX. However, as of today, XX/XX/2023, my score has dropped to XXXX without any corresponding inquiries or changes in creditors. This discrepancy raises concerns about targeted discrimination. Equifax 's failure to address my previous CFPB Complaint # XXXX, filed on XX/XX/2023, has resulted in negative information remaining on my report, causing a decrease in my credit score. 

**Incomplete Investigation : ** Confirmation Number : XXXX was investigated by Equifax XXXX removing several accounts, including XXXX XXXX XXXX XXXX XXXX and XXXX XXXX # XXXX. However, the hard inquiry by XXXX XXXX used to open a fraudulent loan was overlooked and not removed. 

**Formal Requests : ** I formally request the following actions : - Accept and update my FTC complaint # XXXX and CFPB # XXXX. 
- Delete XXXX XXXX XXXX ( XXXX XXXXXXXX ) - Account # XXXX and XXXXXXXX XXXX XXXX. 
- Remove unauthorized inquiries. 
- Provide a letter of apology from Equifax for antisemitism and discriminatory practices. 

I trust that Equifax will conduct a thorough investigation and address these matters promptly. Your prompt attention to this issue is imperative. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, which you claimed was verified. Since I believed you didnt properly investigate my dispute I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update or get rid of the account from my file. 
XXXX XXXX XXXX XXXXXXXX Balance : {$36000.00}
Product: Checking or savings account

XX/XX/2020 To whom he may concern, Sadly I am reaching because chase is overdraft fees again, From XX/XX/ 2020 to today Chase bank charged me 18 overdraft fees at {$34.00} total {$610.00}. 

When I contacted Chase in XXXX and explained that due to being unemployed, also chase some mistake like charged me while I was overdrawn their fee ( I am not supposed to have, was promised to me when I open the count few yrs ago and I fight chase about few time they take the monthly off and always put it back. I got tired and just pay for it XXXX. 

Also I have text alert when I am overdrawn which will be allow me to make deposit immediately but somehow that has not been working and I think I am low balance until chase send me messages saying that I am overdrawn and I have to pay their fees. 

Because per a supervisor ( very rude ) they refunded me XXXX this yr so doesnt matter bank error or not I have to pay the overdraft fee. 

Overdraft fees should be high up to {$34.00} Bank have limit of how many time they refunded doesnt matter is bank error or not. 
Wheres the customer is right? 
The only thing is the text or email alert and my case I dont receive them until they assess their fee. 
Unemployed I was doing XXXX job to pay my bills and company check balanced on me create overdraft that kept be keeping following behind and create more overdraft. 
Someone that have disconnection notice in all her bills, has to pay {$610.00} to the bank for fees. 
Banks is greed kept me broke and under pressure the last 3 months.
Product: Credit card or prepaid card

on XX/XX/2018 at or around XXXX I wanted to redeem a promotional balance transfer to my credit card ending in XXXX. I clicked on the offer displayed under XXXX ( labeled XXXX XXXX ), another window popped up to enter entered my balance transfer info & clicked submit. On the confirmation page of this balance transfer it stated that they initiated this under my other credit card of ending XXXX which is incorrect and not my intention. 

This complaint is to USAA Credit Card Services. I called the executive resolution team 8 times and spoke with them for at least 6+ hours over a week and they refused to honor the original offer for credit card XXXX and would not cancel the transfer or fix the error by the system. The also offered fixes or solutions that would cost me additional fees as the only solution. 

They also stated that there was a block on my XXXX card and that their system automatically selects the other card instead of denying the balance transfer even though there was no offer on the XXXX card and there are different interest rates. They locked me into a balance transfer to the wrong account and terms without my legal consent and refuse to honor the original offer. 

This was a deceitful and was very confusing act as my intention was to apply for this promotion for card XXXX and not XXXX which their ( system ) automatically selected and processed while I was on their mobile app.
Product: Debt collection

For the past several weeks I have been receiving telephone calls from ( XXXX XXXX XXXX ) XXXX XXXX XXXX followed by a few various numbers. Today I returned a call to XXXX. Each time they answered with " Hi, this is ( stated their name ) on a recorded line. '' After that I would say " Hi, what company are you with? '' At this point their responses would vary from either hanging up on me immediately or saying " Hello, if you're not going to say anything please hang up the phone. '' This went on for at least XXXX calls, they continued to ignire my request for their name. I know they heard me ask the question because I would hear a small sigh when I asked who they were and I could hear background noise from their side of the call. 
Using a free service, I was able to find the company is Williams & Fudge in Massachusetts. 
I have screenshots if every call. 
I will be calling back every one of the numbers they called me from tomorrow to check if they refuse to give their information at every number they have called me from.