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

I am writing this message in regard to several violations that you have broken. 
1.You refused to correct information on my credit report after being provided with proof several months ago, and this has been an on going incident that is not fixed, I have filed a law suit for defamation and willful injury upon FCRA Section 623 which you will be charged {$1000.00} per erroneous accounts and inquires that are fraudulent. All inaccurate accounts and inquiries listed below are unverifiable information, you have taken more than 90 days to resolve this matter. You then didn't apply the steps as to how and whom which this account has been falsely verified and again you are violating several sections along the FCRA. I am a victim of identity theft, my information was leaked in more than 13 breaches including the recent breach with equifax, XXXX, XXXX  XXXX, and more. I am asking for you to perform an internal investigation allowing a total of 3 business days only. I have attached the dates and receipt when i sent several certified letters during the month of XX/XX/XXXX. I have all the evidence the prove that you are violating my rights and as a consumer i am liable to sue you for placing inaccurate items to my credit report causing pain and distress discomfort ability. There is an incorrect balance on the XXXX XXXX. The correct balance is {$100.00} please be advised that this is the correct balance for this month so please fix it. Thank You. Also an in correct address is listed on my credit report. I have never lived at XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX please  be advised that this address needs to be removed, i have never lived at that address, and that is incorrect information. 

Fraudulent Accounts : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX  XXXX XXXX XXXX 4. XXXX XXXX XXXX  XXXX 5. XXXX XXXX  6. XXXX 7. XXXX {$1900.00} Fraudulent Inquiries : 1. XXXX 2. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been more than 30 days since the credit bureaus tried to resolve my problem with the account XXXX  ; XXXX Not only that but upon checking more detailed this account. I see that date of last activity is different. If its the same account everything should be 100 % ACCURATE. Furthermore, Experian never marked the account as being under dispute I have circled the errors in my consumer report. XXXX also has this account as open when its been years that is closed. Please delete this account under the fair credit reporting act. This is a violation and its costing me time and money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

My name is XXXX XXXX XXXX and I feel very stressed out! because my credit reports are in accurate, please! I need these accounts to be removed to help me move forward with my life! 

XXXX XXXX : Account numberxxxxxxxx XXXX XXXX XXXX XXXX : Account numberxxxxx XXXX XXXX XXXX XXXX : Account numberxxxxx XXXXXXXX XXXX XXXX : Account numberxxxxxxxx XXXX
Product: Credit reporting or other personal consumer reports

I was informed that my personal information was exposed under a security data breach and have since noticed a hard inquiry on my personal credit report that was placed there without my consent. The inquiry is from the following company : XXXX XXXX XXXX XXXX
Product: Debt collection

A credit collection agency unknown to me federal pacific credit Co made a false statement in regards to me agreeing to pay a debt I asked the company to send a validation of the debt in regards to the collection letter sent to me in XX/XX/XXXX I previously filed a complaint on the matter the company in returned stated in the response that I agreed in XX/XX/XXXX which would be impossible since they sent me a letter inXX/XX/XXXX XX/XX/XXXX
Product: Credit card

I made all the payments as required and paid off account. The company went through changes and then after I asked for a letter stating account paid off they sent it. Then another address sent another letter saying that I now owed a different amount. I paid the account off. This company does predatory lending practices and I have filed a complaint with the Federal Trade Commission and the State of Oregon Attorney general/Consumer Protection agency . There was no response for a long time and now I see my credit report was looked at again by this company. They need to stop and they have been a bad loan provider. This account is closed. I have all the receipts and pay off letter
Product: Debt collection

1. Note all Complaint ID Numbers and Dates XX/XX/XXXX Complaint ID XXXX XX/XX/XXXX Complaint ID XXXX XX/XX/XXXX Complaint ID XXXX All With CFPB and still you yet seen not to see the fraud in hand. 
1. Date of One " Retail installment Sale Contract Form ( XXXX XX/XX/XXXX ) '' With Billing Error All Different Dates One Agreement One Day Of Sale Notice Correct Date Footer as well as Time. Clear Individual Act. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all paperwork submitted here to CFPB as well as Mercedes-Benz 2 . Debt Validation and or Debt Verification Request Letter and More sent to Mercedes-Benz in XXXX of XXXX When I, Living Man, the Consumer Took Notice of The 15 USC 1692e False or misleading representations. 15 USC 1692j Furnishing Certain Deceptive Forms, ( Correcting of Billing Errors ) 15 USC 1666, Youve Failed all Three Times to Address Situation CFPB 3. Power of Attorney Paperwork Fraud Not I, The Living Man, Signature, Youve Failed all Three Times to Address Situation CFPB ( Paid for Proof From The State of Pennsylvania DMV ) Not sent or on record anywhere for consumer to see except DMV and Consumer has to pay for Information 4. False Signature on Title Fraud ( Not even Consumers Name ) Youve Failed all Three Times to Address Situation CFPB ( Paid for Proof From The State of Pennsylvania DMV ) Not sent or on record anywhere for consumer to see except DMV and Consumer has to pay for Information 5. Proof of payment and Mercedes-Benz not accepting payment, Letter sent by Mercedes-Benz 6 . Paperwork Properly Submitted XX/XX/XXXX Up Until Todays Date all Ignored By Mercedes-Benz as well as CFPB Clear Open & Shut Case for Violation Of Consumers Rights All in Which was not Addressed Point for Point by Mercedes-Benz as we as CFPB Note : I'd like to request AGENT of all three case numbers as well as new one submitted, I, the consumer, as well as, the Living man, would like to request full investigation of all said complaint numbers of all said AGENTS. Note : CFPB AGENTS has Failed all Three Time With State Proof Here on This Platform to address the Individual Acts that has been committed, as well as Merceds Benz Sending Proof of Fraud Here on This Platform as well and CFPB has Failed to address the Individual Acts that has been committed. 

Date XXXX XXXX, XXXX XXXX Sending Proof of Fraud when in fact, They have Stolen Land Vessel Before Addressing Consumers Proper Paperwork Sent to Mercedes-Benz Back in XXXX of XXXX. 
Note : Needs to be escalated Due to Multiple Submissions of Same Proof The CFPB is to Address This Matter in Good Faith
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M HAVING ISSUES WITH EXPERIAN REPORTING AN ACCOUNT ON MY CREDIT REPORT THAT HAS BEEN REMOVED FROM THE OTHER TWO BUREAUS
Product: Credit reporting or other personal consumer reports

I am filing to formally lodge a complaint against XXXX XXXX regarding an erroneous account on my credit report. This complaint is made due to violations of my rights under the Fair Credit Reporting Act ( FCRA ). I have discovered that the above-mentioned account is being reported inaccurately on my credit reports from the major credit reporting agencies. This incorrect reporting has negatively impacted my credit score and caused me significant distress. Account Name : XXXX XXXXXXXX XXXX Balance Owed : {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$2900.00}, {$690.00}, {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 










2. XXXX XXXXXXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

3. XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$690.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.
Product: Credit card or prepaid card

I have a Chase Ink card which I haven't used for the year 2021, and I had the card put away for safe keeping. During the month of XXXX several unauthorized charges were made to my account without my permission or knowledge. I never received any notification from Chase informing me of these unusual charges, or to call and confirm if I in fact made the charges. The charges weren't noticed by my until XXXX, when I was paying my monthly bills and noticed the charges. I called Chase to report them immediately. The charges in dispute are as follows : - XX/XX/2021 for {$750.00} - XX/XX/2021 for {$1300.00} - XX/XX/2021 for {$15.00} - XX/XX/2021 for {$8000.00} - XX/XX/2021 for {$250.00} - XX/XX/2021 for {$4200.00} Chase provided me with the merchant email address, and a contact phone number. I've sent two emails to the merchant and the phone number provided goes directly to a voicemail, indicating if you leave a message they will email you back. There is no option to speak with a live person. I have also gone to the merchants website to see if there was an account under my name, and their website confirmed I have no account ( screenshots attached ). Since I am unable to get a response from the merchant, my only avenue to resolve this matter is by relying on Chase 's assistance to further dispute the charge. Chase received additional information from the merchant to support the charges, concluded their investigation and rebilled my account. 
Chase did not properly notify me, the dispute was updated, and because of that I was charged a late fee for the balance being rebilled. Additionally, I have attempted to contact Chase several times since this, i've provided additional information to support my claim, spoken to Chase and promised to be called back twice but never received the promised call back. I contacted Chase today and they disconnected the call and never called me back. 

I am worried that because Chase is not making any attempt to help me resolve the matter, and that I am unable to resolve the matter directly with the merchant that I will be responsible to paying these charges I did not make. All I am requesting is that a representative from Chase contact me, and actually try to help me resolve this matter before I am sent to collections.
Product: Credit card or prepaid card

See attatched XX/XX/2018 statement. Kindly Note the page with Adjustment Purchases. XX/XX/2018 Begin temporary credits to begin a fraud investigation I never reported fraud. Note front page Merchants Credits for this period. XXXX XXXX XXXX XXXX XXXX XXXX ARE ALL TOTAL CREDITS APPLIED {$450.00} This includes my payment {$77.00} ** Note how Adjustment Purchases that begin XXXX starting with the first one {$49.00} ( - ) WITH CUTE LITTLE SUBTRATION SIGN. All amounts listed After the $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX = {$320.00} ARE NEVER PART OF TOTAL CREDITS APPLIED THIS PERIOD {$450.00} AT THE BOTTOM USSA LISTS THEM FRAUDING CONSUMERS INTO BELIEVING 2 CREDITS FROM ONE PURCHASE TO REVERSING MERCHANTS CREDITS CLAIMING THEY ARE USAA CREDITS AND ***LOOKING LIKE THEY TOTAL AT THE BOTTOM AS ALL ACCOUNTING DOES XXXX ARE NOT INCLUDED IN THE TOTAL AT THE BOTTOM AS ALL ACCOUNTING DOES.?? DECEPTION PLUS USAA.??? CRIMINAL ACTIVITY AT USAA AGAIN.?? Also note the REVERSED CREDITS of {$28.00} XXXX XXXX XXXX XXXX XXXX ARE ALL THE TOTAL CREDITS for that period AND THEY WERE JUST PAID BY MERCHANTS. When were all these reported as fraud? ** Why are there beginning fraud investigations of already paid transactions???? ** Why WAS CREDIT NEVER MADE PERMANET REVERSED STEALING MERCHANTS CREDITS JUST PAID? Note the Reversed credits of {$9.00} & {$26.00} WERE PAID BY MERCHANTS THE MONTH PREVIOUS. KINDLY NOTE USAA CRIMINAL ACTIVITY places temporary credits to begin an investigation NEVER DONE to place WHAT LOOKS ** LOOKS LKE USAA CREDITS BUT WERE NEVER APPLIED they even have minus ( - ) signs MADE TO APPEAR THEY ARE INCLUDED IN THE TOTAL CREDITS FOR THIS PERIOD AT THE BOTTOM OF ALL AMOUNTS OF CREDTS ** BUT ARE NOT INCLUDED IN TOTAL CREDITS APPLIED FOR THIS PERIOD???. There are {$320.00} temp credits *** USAA USES TO PLACE PERMANET NEW CHARGES STEALING MERCHANTS CREDITS. HOW DECEPTIVE?? LOOK AT HOW LISTED CREDITS ABOVE TOTAL LINE ( ADJUSTMENT PURCHASES WITH A MINUS SIGN ) ** ARE NOT TOTALLED AT THE BOTTOM BUT ARE REVERSED?? USAA FABROCATED FRAUD to place WHAT LOOKS LIKE USAA CREDIT TO CONSUMERS SO THEY CAN STEAL MERCHANTS CREDITS. REALLY USAA? USAA ARE CRIMINALS. I STILL HAVE NOT RECIEVED ANY PERMANET USAA CREDITS AND IT IS TWO YEARS LATER. CRIMINALS NEED TO BE PUNISHED. HOW MANY OTHER CONSUMERS HAVE USAA FOOLED?
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to see accounts on my credit report that shouldnt be there, and I cant figure out why. Everything looked fine during previous checks, but today, discrepancies seemed to have appeared from nowhere. I even refreshed the browser, hoping it was a temporary glitch, but the inaccuracies remained. Im deeply troubled by this and ask that my submitted documents be thoroughly reviewed so this issue can be permanently resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ok this is XXXX XXXX and this is a amendment to the earlier complaint XXXX OK you ask For additional information on who the complaint was for ok all three Credit bureau 's ok you asked for there address ok XXXX XXXX XXXX. XXXX XXXX XXXX Pa XXXX ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Ga XXXX ( XXXX. Experian XXXX XXXX XXXX XXXX Tx XXXX ( XXXX .... These are the companies that are in violation and they won't take these inquiries off my personal credit report. For inquiries where are you from business Credit cards they do not have nothing to do with my personal credit. I want these four inquiries for business taking off my personal credit report. There are more inquiries on my credit report that I am disputing that I don't have any knowledge of. So I'm just responding to your request you said I had 24 hours to respond I'm doing just that.
Product: Checking or savings account

I received an alert from my Credit monitoring service on XX/XX/2021 that accounts were opened in my name using my personal info, at PNC Bank on XX/XX/2021. I do not, nor have I ever had any past dealings with PNC Bank. I contacted PNC to alert them of this fraud and thankfully the accounts were subsequently flagged and closed before any transactions were able to take place.
Product: Student loan

Signed up  for Extended Repayment Plan, was promised my payment would be a specific amount per month but my payment amount has not changed for the past three months. Navient keeps saying I have to pay {$100.00} for a forbearance and then after a month my Repayment Plan will kick in, IT STILL HASNT. It 's been THREE MONTHS. I keep getting the run-around with Navient. They will not work with you even if your loan payments are more than your rent and the food you consume. This past month, the lady on the Navient customer service said to just pay a payment for {$270.00} ( my Repayment Plan amount  ) and I would not get a past due amount, and guess what I have a past due amount. This is ridiculous. I do not know what to do anymore, but this is n't right.
Product: Bank account or service

On XXXX XXXX 2015 I was interviewed online by a recruiter pretending to hire for a company named : XXXX XXXX XXXX based in XXXX. The job according to the job posting would consist of Data entry from home and I was directed to expect a {$2600.00} check to buy equipment for the job. The next day the check arrived at my door by express mail, I dropped it to my bank by ATM the same day but afterward I realized that the name of the company was not mentioned on the check ; I connected online with the recruiter and asked what the procedure would be after I receive the money. She said to me that I should withdraw the money and direct deposit it in another account Than I realized I was in a middle of a scam, right away I called the Bank asking if they could withdraw that check from the ATM machine and they said to me that they do not have access to the ATM system, I should wait for the operation to go through and then meet them after the check is processed, which I did on the XXXX of XXXX after the position of my account was updated with the amount of the check. The same day I went the Suntrust XXXX Branch and and the officer confirmed to me that the check is in fact a fraud. I asked her to put a hold on my account and return the money immediately. She advised me to open another account as the previous one was compromised. I followed her advice and deposited {$100.00} in the new account. She told me that the new account will be connected to my check card since the old account will be frozen till the procedure is completed, and later on closed. she said it will take XXXX business day for the new account to be connected to my online banking system. After the XXXX days, nothing went the way she told me. I called her, and she told me again that I should come to the branch and fill up a form for the connection to take place, which I did. 
From that point everything took another turn as my new personal checking account was frozen, my online banking system suspended. I could n't process any online payment since my business account was connected to my personal account through the online banking system. Since Monday XXXX XXXX I am at the branch everyday, the team-members of the branch are powerless in finding a solution to my problem. The bank has terminated my relationship, closed my old personal checking and saving account, frozen my new account, and do not want to talk to me. they have no schedule to when my money will be given back to me. I have bills to pay and my money is blocked by Suntrust bank. I am being penalized for doing the right thing. I am lost and do not know what to and I am also a victim and surprised by the action of this against me
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to file a formal complaint against Bank of America regarding an account that has been fraudulently opened in my name, XXXX XXXX XXXX and XXXX XXXX, which is in result of identity theft. The fraudulent account is as follows : Bank of America account number appearing as " XXXX '' for {$520.00} I have attached a notarized copy of the Federal Trade Commission ( FTC ) Identity Theft Affidavit, as well as a police report documenting the identity theft incident. I also have attached my government issued ID and a utility bill for proof of identity and address. As a resident of Texas, I am aware that aggressive consumer laws are in place to protect victims of identity theft. Texas state law, under the Texas Finance Code 20.02, provides consumers with strong protections against creditors and requires swift action to rectify fraudulent accounts. 

Despite my efforts to resolve this matter directly with Bank of America, the fraudulent account have not been adequately addressed. Therefore, I am filing this complaint with the Consumer Financial Protection Bureau to request your intervention in resolving this issue. 

I request that Bank of America conduct a thorough investigation into the fraudulent account and take immediate action to remove this from my credit profile. Additionally, I request that Bank of America provide me with written documentation of the results of their investigation and any actions taken to rectify the situation. 

I appreciate your attention to this matter and look forward to a prompt resolution. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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