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

My rights were violated in accordance with 15 USC 1681a 2b. There are 9 accounts that are fraudulent this company repeatedly ignored, and were left on my credit profile. I have sent 5 certified letters requesting that this information be removed. This has caused me a great deal of distress, as it has caused me to be denied employment, housing, transportation, business, and various other opportunities.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX, EXPERIAN.COM, XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against Freedom Debt Relief. I signed up with them because they said they could settle my debt quickly and improve my credit score. I paid them {$590.00} twice per month. I got several alerts that settlements had been made, but to my surprise, after over a year of paying them every month, none of my accounts have been settled. On top of that, they took {$590.00} out of my personal banking account on a date that was not allowed or authorized by me. My bank had to work to get that money back in my personal account because Freedom Debt Relief would not. I tried talking with them, I spoke with supervisors and I spoke with XXXX XXXX and they would not help. 
Freedom Debt Relief has mislead me and made my financial situation worse. They told me not to pay on my debt and tell anyone that calls that my debt was being handled by Freedom Debt Relief however, nothing was settled. 

They mislead me about their services, my rights, their negotiating power etc. They told me they can negotiate with any creditor and thats why i dont have to take any creditor calls. And if they say FDR cant work with them, then they are lying to me. But really, Freedom Debt Relief ( FDR ) was  lying to me. 
Thank you.
Product: Debt collection

I owes Mohela XXXX dollars. Mohela took XXXX  dollars. Mohela has owed me almost XXXX dollars for over a month. The representative keep telling me they will eventually pay me back, but they have not paid me back.
Product: Credit card or prepaid card

I had purchased medicine that's apparently originating from XXXX and it's counterfeit. The package arrived clearly was tampered with and the medicine is a clearly counterfeit version from some unknown manufacturer in XXXX. I've tried to return the medicine but the company will not accept it stating its due to Corona virus fears. 


I had called Chase in XX/XX/2020 to request a refund and the representative has accepted my claim stating that I will need to fill out a letter which will come in the mail. Few weeks later, after the letter never came, I called again and was told that Chase will send out another letter which I should fill out and return. 

Then I called again in XX/XX/202 and another rep has finally informed that the letter is available online in my portal for the bank and that I should download it and return and hopefully they can accept the claim since it's been over 90 days but I'm not sure. I'm hoping you guys could help me to make sure this claim is accepted. Thank you, XXXX XXXX
Product: Vehicle loan or lease

Leased XXXX Hyundai XXXX XXXX through Hyundai American Financial Group. 

On XX/XX/XXXX our vehicle, which had payments in current good standing, was returned and the dealership agreed to pay the remaining 3 lease payments. 

On XX/XX/XXXX, Hyundai pulled a lease payment from our account for {$480.00} for a vehicle we no longer possess. 

On XXXX  we contact Hyundai to understand why we a payment was deducted for a car we no longer possessed. Hyundai support indicated the account was now outstanding and we owed {$27000.00}. Then a supervisor told us that was inaccurate, but they could not refund our payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that you are reporting incorrect personal information on my credit report. I need the following information updated as soon as possible. 

My only names are : XXXX XXXX My current address is : XXXX XXXX XXXX XXXX GA XXXX My current phone number is : ( XXXX ) XXXX My current Employer is : XXXXXXXX XXXX XXXXXXXX XXXX Please remove the following personal information from my credit report. My identity has been mistaken. 

Incorrect Name : XXXX XXXX Incorrect Address:XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX, XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX Incorrect Employer XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

JPMorgan Chase and Company may have attempted to divert some of the $ XXXX Consumer Relief/Restitution to home mortgage loans held by Chase for investment ; and, at the same time deny consumer relief/restitution to Chase-originated home mortgage loans serviced by others. XXXX XXXX XXXX was told that if she had requested mortgage assistance during the time that JPMorgan Chase Bank, N. A. serviced her loan, that she would be eligible for consumer relief from this settlement ; however, when XXXX XXXX XXXX produced proof that she had in fact requested mortgage assistance during the stipulated period, she was denied relief/restitution from this settlement. 
The XX/XX/2015 Status Update from XXXX XXXX XXXX, XXXX stated that : Loans held for investment JPMorgan Chase Bank, N. A. would receive relief ; while loans serviced by others would not be eligible for consumer relief under the $ XXXX Consumer Relief Settlement. This implies that an undetermined percentage of the 123,737 consumers who received relief this settlement were holders of Chase-owned mortgages, held by Chase for investment purposes. The Department of Justice was never given a list of the consumers receiving restitution ; thus, some or all of the $ XXXX of restitution owed to American owners of Chase-originated Toxic Mortgages ( e.g., XXXX XXXX XXXX ) may have been misappropriated.
Product: Checking or savings account

XX/XX/XXXX USAA Bank called my residence as a debt collector. They advised that I was overdrawn on a Savings in amount of {$10000.00} & in Default on line of credit in amt of XXXX. This is Identity Theft. 
I told them I never opened any accounts with USAA Bank ever! 
They sent it to XXXX & XXXX. XXXX is to get back to me by Fri XX/XX/XXXX. These accounts were established XX/XX/XXXX but I'm just being notified of it on XX/XX/XXXX almost 25 months later! 
I've secured an Identity Theft Service & notified the FTC. But I want them to Stop harrassing me for funds that i know nothing about. Please issue this complaint & filel it. The AVP of USAA sent a letter to me received today. Its salutation refers to a XXXX XXXX. XXXX.!! So this tells me that the perpetrator is a Military or a Veteran. I have never been in the Military. I'm XXXX yrs old retired on a fixed income. This is Fraud. Its very annoying as well. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A VICTIM OF AN IDENTITY THEFT, AND I HAVE SENT ALL REQUIRED INFORMATION TO THE BUREAUS AND REQUESTED THAT THE FRAUDULENT ITEMS BE REMOVED FROM MY CREDIT REPORT. 


XXXX XXXX XXXX XXXX XXXX- XXXX ( {$350.00} ) XXXX XXXX XXXX- XXXX  ( {$5200.00} ) I AM VICTIM, I HAVE NEVER AUTHORIZED OR REQUESTED THESE ACCOUNTS TO BE OPENED. THESE ARE NOT MY ACCOUNT.
Product: Debt collection

XX/XX/2020 An debt validation letter was sent to XXXX XXXX XXXX that is reporting a debt to the credit bureau. XXXX XXXX XXXX did not validate the debt but still violating the Fair Debt Collection Practices Act by reporting a debt that they saying I owe them and I dont and it's causing Extreme hardship in my life. In this complainant I will provide all the evidence to show that XXXX XXXX XXXX did not verify the debt they say I OWE THEM
Product: Debt collection

I received a letter from XXXX XXXX on or about XX/XX/XXXX, even though the letterhead showed XX/XX/XXXX. I spoke with a representative informing him I was a victim of identity fraud since XXXXand still fraudulent activity will pop up every now & then. I disputed the charge that this bill from XXXX was not mine since I have XXXX XXXX XXXX. The letter stated that I owed this bill as of XX/XX/XXXX and then he said it was as of XXXX. I sent the dispute form that was enclosed in the letter stating it was not mine, and I'm unaware of any of the charges. I received another letter today XX/XX/XXXX, stating that they did receive my dispute and that I should contact the FTC and XXXX enforcement which I have done in the past. This past XX/XX/XXXX, I received a notice that a fraudulent New Jersey XXXX claim was filed on my behalf. I notified the State XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I did not claim any benefits, the claim was denied. 

I have delete personal information on documents sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

The scammers talk a good game and promise you the world to get you into a contract and threaten to turn you over to there collection agency and put negative information on your consumer reports for terminating them.Yea they did get 6 items deleted or I did myself because prior to hiring them I also sent out disputes of my own so who knows if it was me or there dispute thats got the six items removed any how they keep bouncing me from one person to another Ive had three in five months they warranty that your score will go up 100 points in 90 days or a money back guarantee I havent seen a increase nothing like they promise then had the nerve enough to say its because off the late payments in my consumer reports.They dont return your calls they always have a excuse but let it come time for payment and low and behold you can talk to anyone in the building these people need to be put out of business and quite scamming people by taking money before they do any work if they want to fight this Im fully prepared all I can say is if they are feeling groggy then jump because there aint no fence around this XXXX!!!
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance {$130.00} XXXX XXXX Balance {$24000.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

On XX/XX/2019 I cancelled my Amazon Store Card from Synchrony Financial. 

On XX/XX/2019 I noticed that my reward balance at Amazon was no longer there and I contacted Synchrony via livechat. I was told that the rewards were taken away when my account was closed. I asked them if I was informed of that. I was told that it was told to me during the cancellation flow on their website. I asked to see a copy of it and was given this URL ( XXXX XXXX XXXX ). I told them that I was not redirected to that website during the cancellation and in any case, I specifically asked them if it was only in the fine-print previously. 

I then contacted Amazon via phone and they said that Synchrony had taken them away, not Amazon. 

I then contacted Synchrony via phone and was told the same thing, I then asked to speak with a manager because I felt it was unfair to bury this in the fine-print. I then told them that I would file a complaint to the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are being reported on my credit and are incorrect and not accurate. 

XXXX XXXX XXXX XXXX XXXX, XXXX {$1100.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$75.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Date of Birth : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian Team, My First & Last name are as follows : XXXX XXXX XXXX. 

My Current Street Address are as follows:XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX After reviewing my credit report, I have found inaccurate names and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations, and I demand, as my lawful right for any names and addresses other than what I have listed above and below be removed immediately as they are not accurate and untrue. 

**Incorrect Names : ** The report includes an incorrect names of : XXXX XXXX XXXX XXXX XXXX XXXX Please delete and remove these incorrect names : My First & Last name are as follows : XXXX XXXX XXXX **Incorrect Address : ** The report includes an incorrect address XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The addresses listed above I have not resided in. My Current Street Address are as follows:XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX These names and addresses has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to 15 USC 1681eb they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16815-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I request that you investigate these discrepancies and update my credit report with accurate information as soon as possible. Enclosed are copies of documents verifying my correct name and current address : Please send me a copy of my updated credit report once the corrections have been made. 

I appreciate your prompt attention to this matter, as it is crucial for my financial well-being. 

Thank you for your cooperation. 

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

I ordered a copy of my report in MyScoreIQ and XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe were reporting in error. 

XXXX XXXX XXXX XXXX XXXX : {$13000.00} ; XXXX XXXX XXXX XXXX Balance : {$330.00} ; XXXX XXXX XXXX Balance : {$430.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

New standards for how tax liens, civil judgments and bankruptcies are included in credit reports went into effect on XX/XX/XXXX Beginning XX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals. I disputed the tax lien and judgment information on my report and it came back as verified. The problem with that issue is that I spoke with the companies/court involved who the credit reporting agency claims verified this data, and they responded in writing stating that they do not verify information such as bankruptcies, tax liens and judgments with credit bureaus. Please have any tax liens, & judgments on my report deleted immediately. I was also, according to the Equifax website part of the data breach that took place between XXXX andXX/XX/XXXXXXXX. After searching by my SSN,  it said that I was included in the breach ( Please see attachment ). Therefore, I would like to have a fraud alert placed on my credit reports with all 3 agencies and also any credit inquiries fromXX/XX/XXXX through XXXX removed immediately. As these things are negatively affecting my credit score.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX  XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter in the mail from a company called The Law Offices of Mitchell D. Bluhm & Associates , LLC. The letter is dated XXXX XXXX and describes a debt that is attempting to be collected from dates of service XXXX and XXXX with a company named XXXX XXXX at XXXX XXXX in XXXX, AZ. I am a very financially responsible and organized individual who pays any bills owed as soon as possible and have incredible credit history with no overdue bills in my life. I never received a bill from XXXX XXXX back in XXXX  and this is the first that I am hearing about this outstanding debt. I spoke with a woman at The Law Offices of Mitchell D. Bluhm & Associates , LLC this morning ( XXXX ) and she told me that I can dispute the claim if I'd like ( for the amount of {$210.00} ), but that my credit will still be hit on XXXX regardless. Her solution was to file a police report if I don't believe that the debt was mine. I next called XXXX XXXX 's billing department and spoke with a woman there the same morning ( XXXX ) and she stated that I have no outstanding balance with them and that it shows that everything was paid in full by my insurance from those dates. She mentioned that they use another company for their imaging and that I should try getting in touch with XXXX XXXX to see why they sent me to collections without ever sending me a bill. I tried contacting XXXX Partners on XXXX and after several minutes of the phone ringing, my call was disconnected. I researched both XXXX XXXX and the Law Offices of Mitchell D. Bluhm & Associates , LLC, and I read several XXXX reviews and complaints with the XXXX  which state very similar situations to mine. It seems many people have received notices from this debt collection company for dates of service from over 2 years ago and had not received any notices of outstanding bills prior to hearing from the collection company.
Product: Credit reporting

Inquiries listed on my credit report ( Transunion and XXXX ) XXXX XXXX CREDIT CARD XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX 3 times, XXXX 2 times, XXXX XXXX XXXX, XXXX 2 times, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, that I did n't ask or apply for, give permission to, or been associated with in any manner. Also have XXXX different address on my credit report that are not my addresses from XXXX XXXX XXXX XXXX XXXX Ga XXXX and XXXX XXXX XXXX XXXX XXXX, Ga XXXX. Employer that I have n't worked for is XXXX and XXXX. 
attempted to get these items removed from report due to identity fraud but all credit companies ( Transunion, XXXX, and XXXX ) would not comply. I explain that my taxes and credit has been tempered with on these items listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Validate the accounXXXX XXXX XXXX XXXX  As Per my written request { BY LAW } As you verified the account that was Fraud because only the consumer can verify, you are also reporting that XXXX XXXX XXXX is the consumer false I am my SSI card number was used on the account that make myself the consumer it law XXXX XXXX XXXX is Debtor, Also I request in my dispute that I want the original contract { not a Copy } because that would be fraud also. enclosed is my request in writing that by law you have to follow completely as stated or I will be force to seek legal claim
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this XXXXXXXX for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint : I Have sent out TWO hard inquiry validation letters to lenders on my credit report requesting that they show proof that they have the legal right to be on my credit reports. The dispute was dated, notarized, and sent via certified mail and in accordance with the FCRA Section 616, Section 617, Section 609, and Section 611 which states if the UNVERIFIED items listed below are not deleted immediately. I Have been ignored with each request by This bureau only. This company has held me back from moving forward with my life and refuses to offer verification for my detrimental setbacks after they received my dispute they " Verified my account on XX/XX/2021 without proper validation. I do believe this is a prejudiced response. 




( REPLACE XXXX  WITH XXXX WHEN YOU SUBMIT A COMPLAINT TO XXXX THAT IS THE ONLY TEXT YOU WILL NEED TO CHANGE ) Solution : I am demanding that ( lender or bureau ) remove their accounts from all 3 of my credit reports if they fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.