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

I received a deposit from a loan from XXXX XXXX XXXX into my Chime account for the amount of XXXX. I spent less than XXXX XXXX  at XXXXXXXX XXXX XXXX XXXX  and used my virtual card information to make the purchase and after that someone else hacked into my Chime account and withdrew XXXX, XXXX XXXX XXXX, I never checked my account. I didn't know that I needed to. But there has to be some pictures of the person and it clearly isnt me i never withdrew from any atm. I reported it and they said no wrong doing. How can they say that. We are devasted by this. It was all we had and has left us unable to pay our bills.Please Help Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently noticed that a reporting agency has been reporting a debt to the  XXXX  credit bureaus that is not mine. When I contacted the company, they can not tell me how this happened nor do they see anything related to my name on this account however we share a social security number which is impossible. The original account was opened  in 1991 at w hich time was only  XXXX   years old. Th is person is not a family member or a friend of my family. The only commonality between us is that she lived in the apartment I currently reside in.
Product: Money transfer, virtual currency, or money service

I would like all money that has been reported to be returned.
Product: Vehicle loan or lease

This account was charged off and would like to remove it or ADD XXXX balance to account from all XXXX credit reports
Product: Checking or savings account

XX/XX/2022 searched on XXXX gave a fraudulent website which I believe PayPal provides their customers. Only confirmation was PayPal email which seems official and was valid with my bank when I immediately disputed it because the PayPal customer service phone number is a menu that doesnt allow for any interaction with customers non-delivery of paid product and there was an email which was not PayPal customer service and was fraudulent. I am staying from PayPal because it is the largest scam in the United States and internationally where they fare better since most of their customers take a loss. Not only was there no confirmation that was valid with an ETA of the product and where it was coming from but there is zero communication for months and then two months later I receive a system generated email saying we can not help you with your issue of this charge due to your bank dispute which again was over seven weeks later with zero response from PayPal. This is incredibly dis concerning that a company with PayPals assets and operations is an out and out fraud. I already knew not to use it but this particular item there was no option to use your Credit card only so it went through PayPal
Product: Checking or savings account

XX/XX/XXXX I opened debit card and checking account in Bank of America. I put my money XXXX usd there through the cashier and ATM. 
XX/XX/XXXX my account was closed by Bank of America. And debit card was cancelled too. Since then I cant get my money back. Security service has finished all checks a long time ago. 
I call the bank every day. But bank employees constantly lie to me that your check was sent to you. But the check doesnt come. They say your funds are frozen. Now they said they sent me a check XX/XX/XXXX. Today already XXXX but my check didnt come. the bank asked me to wait another two weeks.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information from my file. The items i deleted are listed in the report I am a XXXX  XXXX  of identity theft and i did no make the charge. I reported the theft of my identity to the federal trade commission and i also have enclosed copies of the federal try, commsision identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Checking or savings account

I have submitted a check of amount {$4900.00} on XXXX and then it was credited into my account on the next day. I have spent that amount and now on XXXX XXXX the bank has reversed this amount saying it is a fraudulent check and balance has been deducted from my checking account. 

I tried to dispute the transaction with the bank and they are unable to do anything right at the moment and credit the money back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666 Section B 15 U.S. Code 1637a-a 15 U.S. Code 1681c2
Product: Debt collection

Pressler, Felt, & Warshaw, LLP is attempting to collect a debt for XXXX XXXX XXXX XXXXXXXX. 
I received XXXX separate collection letters from XXXX regarding file numbers XXXX, XXXX & XXXX for a combined amount of {$37000.00} all dated XX/XX/XXXX. 
The letter gave me instructions so that I could dispute it by XX/XX/XXXX. On XX/XX/XXXX I requested verification including the original agreement bering my signature as per Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ). 
On XX/XX/XXXX XXXX sent some account statements in their attempt to verify however, did not send the original agreement bering my signature that I requested. 
From what I understand, during this validation period all collection efforts must be stopped until debt is verified. 
I received XXXX lawsuits from XXXX XXXX XXXX with XXXX as the Plaintiff dated XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. 
I have emailed them on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX to get in contact with someone in order to straighten this out. XXXX has not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get rid of this account before it is not my account and i will like like it removed. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$370.00} COLL {$370.00} XXXX XXXX   XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$4700.00}
Product: Credit reporting or other personal consumer reports

Thank you for your recent letter. Im very confused by the response. It seems to me that this is a stall tactic to not do what is required within FCRA laws. This is my 3rd attempt to get your company to do the right thing & comply with FCRA. Please review the documentation Im including as it is exactly what is required by law. If you continue to kick the can down the road I will have to move this matter into the courts. Lets not let that happen as Im sure the costs you would incur would be very expensive & this matter is very simple. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these accounts.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX 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. 

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

They state navient verified but experian didn't get my documents because their upload tool is faulty and doesn't work for prior to send in documents and proof and that they are really in cahoots with the companies and not for accurate reporting for the consumer! XXXX is reporting false information about XXXX and XXXX payments. They have taken those payments out of my XXXX XXXX account. I have the photographic proof. Experian has come back stating that navient proved the payment history is correct. It is not! I didn't ask for the account to be removed, XXXX I owe it. I HOWEVER AM NOT LATE ON ANY RECENT PAYMENTS AS OF XXXX OR XXXX OF XXXX! THIS IS INACCURATE! I HAVE PAID XXXX AND XXXX OF XXXX AND HAVE PROOF! FIX THE UPLOAD TOOL SO I CAN SUBMIT!!!!!!!
Product: Debt collection

I did a 30-day free trial of a new internet service ( XX/XX/2022 ). I was unsatisfied with the service, cancelled it within XXXX ( on XX/XX/2022 ) and returned the equipment accordingly ( within 30 days, equipment return confirmation sent XX/XX/2022 ). I contacted XXXX through online chat, phone calls, and I personally visited the XXXX store on XXXX XXXX in XXXX, CA. During the first calls, I was reassured that their system would register the cancellation with a little more time. After they started billing me again, I visited the XXXX store and spent around 2 hours. They said the problem was fixed. Now I am getting debt collectors emailing me.
Product: Debt collection

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Demand for Immediate Deletion of Duplicate Accounts XXXX & XXXX Dear Equifax Dispute Department, I am formally demanding the immediate deletion of XXXX duplicate accounts reported on my credit file. The accounts in question are : XXXX XXXX XXXX Account Number : XXXX Account Number : XXXX Both accounts reflect the same debt from the same creditor but show different balances and account numbers, which is a clear error and violation of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ). Reporting the same debt multiple times inflates my outstanding balance, misrepresents my credit profile, and negatively impacts my financial standing.

Legal Basis for Deletion : 1. FCRA Violation Inaccurate and Misleading Reporting : Under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure maximum accuracy. Duplicating the same debt with different amounts is false, misleading, and unfairly damages my credit score.

2. Failure to Maintain Accurate Records : If Equifax can not verify which account is valid and why both are being reported, both must be deleted immediately per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 

Demanded Action : Permanently delete BOTH accounts from my credit report immediately. 
Provide me with a written confirmation that these accounts have been removed. 
If you claim the accounts are valid, provide detailed validation explaining why both are being reported separately. 

Failure to comply within 30 days, as required by the FCRA, will result in a formal complaint with the Federal Trade Commission ( FTC ). I will also consider legal action for damages caused by this inaccurate reporting. 

This is a final demand for correction. Please confirm receipt of this dispute and notify me once the deletions have been processed. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I'm in a disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXXXXXX XXXX XXXX XXXX I kindly request an immediate re-investigation of these matters, and urge you to rectify any errors as soon as possible. In adherence to the Fair Credit Reporting Act ( FCRA ), Public Law XXXX, XXXX VI, Section XXXX, Subsections A-D, I am requesting disclosure of the names and business addresses of all parties who have verified these contested items. This will allow me to follow up directly with them if necessary. Upon completion of your re-investigation and any resulting modifications to my credit report, kindly forward an updated copy to my address listed above. The FCRA mandates that all disputed information that can not be verified must be promptly removed from my credit report. It also permits me to seek damages in court if you fail to comply with federal law. I appreciate your swift and cooperative response to rectify this situation. It is my hope that we can resolve this issue amicably and in accordance with federal regulations. Thank you in advance for your immediate attention to this matter.
Product: Money transfer, virtual currency, or money service

Email me for the evidence which they saw and heard and never reply. I will forward it. Around XX/XX/year> I had a problem with Wells Fargo, I used to be able to handle XXXX and send and receive money like everyone but my mistakes made them take off my service, what I did is I was asked to sent money to XXXX but this person who I never met or know who he is, only his name sent me money without my consent, I never was asked if I could receive it they just said, there gon na sent it, so he made a complain with XXXX XXXX XXXXXXXX and is when XXXX start it, I told them Im sorry so many times and yes they did reinstall XXXX twice but they took it away from me 3 times or more. It has been a year and I was letting them but Im so tired plus right now Im negative and its because of my purchases but before I seen that they say we charged XXXX because of this and that so been on the look out for that. Anyways couple days ago I went again and gave them a chance and they end up saying nothing no explanation and I sent them a message on XXXX and never got an answer. They just said were gon na call you which I said no, I done that before and Im tired and when they heard I was gon na report them. They never answer. Ha-ha. Wells Fargo is a joke.
Product: Credit reporting, credit repair services, or other personal consumer reports

After

purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.
Product: Debt collection

I spoke with an XXXX and XXXX XXXX and an operations manager who identified himself as XXXX XXXX, which is same voice and used different name? at Portfolio Recovery Associates. When I spoke to the representative I advised XXXX to not call me that I would like to place a verbal cease and desist and do not call me again. XXXX responded to me by telling me I have to send it in writing, he was extremely rude and condescending ( I have the call recordings in which I could prove it, plus they stated it is being recorded so they should be able to provide those recordings to me ) When I asked to speak with a supervisor I was transferred to XXXX XXXX who kept stating the same to me, was rude to me and terminated the call when I was not using profane language. I called back and that is when I asked to speak with a director and was transferred to XXXX. I kindly asked XXXX that I will like to not receive any calls and cease and desist my number and any other numbers listed, I verbally advised him to not call me he then stated I will need to submit that in writing other than that they will continue calling me. I asked if he would continue to harass me with calls after I requested to not call and manager responded yes collection calls will continue without Mini Miranda given. This representative/manager caused me to get extremely anxious and I am not having XXXX thanks to the rudeness and harassing condescending tone of these employees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Challenge a account ( XXXX XXXX ) on my XXXX  credit bureau, after there investigation multiple times it keep coming back verified with the issue still there after I told them do delete the account for inaccuracy
Product: Checking or savings account

XXXX check amount {$48.00}. I closed the account due to fraud. Need this to be removed and deleted from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was extremely disappointed this morning when I checked my credit report and I saw that I have a bankruptcy showing on my credit report. This is so embarrassing, and I am so ashamed I do not think this is something that should be shared with the public. According to 15 USC 1681 { a ) ( 4 ) it states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX/XXXX  XXXX, XXXX XXXX XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting Experian, XXXX/XXXX  XXXX, XXXX XXXX XXXX, and XXXX XXXX with no successful resolution. There was definitely an error on their part.