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

on XX/XX/22 i sent a letter to experion telling them to correct my information and i got no answer. i then attemped to file complaint here and i dont see it recorded on XX/XX/22. 
this is the second attempt to resolve this matter. i intend too contact the FTC if this is not the correct place the reslove the matter.
Product: Credit card

Discover Card had issued credits back due to unauthorized charges and non receipt items. Items include XXXX XXXX # XXXX {$1600.00} XXXX XXXX XXXX {$2200.00} XXXX {$2200.00} XXXX XXXX # XXXX {$1900.00} XXXX {$2700.00} XXXX XXXX {$350.00} XXXX {$150.00} XXXX {$3800.00} XXXX {$600.00} XXXX XXXX {$130.00} XXXX XXXX {$400.00} XXXX XXXX XXXX {$830.00} XXXX XXXX {$460.00} XXXX XXXX {$60.00} XXXX {$720.00} XXXX XXXX {$130.00} XXXX XXXX {$240.00} XXXX XXXX {$190.00} XXXX XXXX {$500.00} XXXX XXXX {$400.00} XXXX XXXX {$370.00} XXXX XXXX {$340.00} XXXX XXXX {$230.00} XXXX XXXX {$460.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money monthly. They have the wrong information. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Product: Credit reporting or other personal consumer reports

- Name : XXXX XXXX - Social Security Number : XXXX - Date of Birth : XX/XX/XXXX This complaint is filed under FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting XXXX, Equifax, and XXXX to XXXX information on my credit report that resulted from identity theft and fraud. Specifically, I seek to block the following fraudulent entries : XXXX. A student loan account opened at XXXX department of education on XX/XX/XXXX, under account number ( XXXX ). 
XXXX student loan account opened at XXXX department of education XXXX XX/XX/XXXX, under account number ( XXXX ). 

These accounts have led to several fraudulent hard inquiries and collections on my consumer XXXX credit report. I have attached a list of these inquiries, along with a copy of the consumer XXXX  credit report maintained by XXXX, which includes the fraudulent items. I do not recognize any of the accounts, collections, or hard inquiries mentioned above, as they were not initiated by me and are a result of identity theft and fraud. 

I have also attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof that all the aforementioned entries are due to identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX & XXXX Balance : {$10.00} XXXXXXXX XXXX XXXX Balance XXXX {$78.00} XXXX  XXXX XXXX Balance : {$120.00} XXXX  XXXX XXXX Balance : {$140.00} XXXX  XXXX XXXX Balance : {$370.00} XXXX XXXX  XXXX XXXX XXXX XXXX : {$2200.00}
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deception practices related to their 360 " high - yield interest '' savings account.capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates yet failed to notify account holders about the superior rates offered by the 360 performance savings account this deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many breaching the consumer financial protection act and the truth in savings act I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Checking or savings account

Mom passed away in XXXX. Dad has XXXX and is bedridden. I have POA but have be denied access to the account. We need the money to pay caregivers for my fathers care. My attorney thought it was solved. Wrote a {$25000.00} check to deposit into a trusted bank and they returned it. When I call or go there I can never see the same person, so I have to go through the whole problem over and over again. I have taken documents over and over and they have lost them and sent them to the wrong place. That I was told by an employee. I call and ask for an employee to call me, but no call back.
Product: Debt collection

I was issued a ticket in error in XXXX of 2015. The head of the Building Department sent me an email stating that he would take care of the issue. I received a letter from Municipal Collection Services in XXXX of 2015. I wrote them a letter with a copy of the email from XXXX XXXX. They still place the collection on my credit report reducing my score from XXXX to XXXX. Please fine this collection agency and the City of XXXX XXXX for their carelessness.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXX XXXX  account number XXXX, has violate 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.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Us dept of education : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Section 2 it also states a consumer reporting agency can not furnish with my written instructions 15 U.S.C 1681c section 5 states no consumer reporting agency can make any consumer report containing any of the following items of information and other adverse information other than record of convictions and crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX ( Original Creditor : XXXX XXXX  ) XXXX. Please remove this account immediately.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 : ITS ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WITTEN INSTRUCTIONS. 
COMPANIES : XXXX XXXX {$350.00} XX/XX/2022 AND XX/XX/2022 I CALL AND I WAS TOLD THE SYSTEM DIDNT HAVE MY INFORMATION AND DONT WORRY ABOUT IT. 
COMPANIES : XXXX XXXX {$570.00} XXXX XXXX2022 AND XX/XX/2022 I CALL AND I WAS TOLD MY INFORMATION COULD'T BE FOUND
Product: Mortgage

My aunt recently passed away. I have been appointed executor of her estate. She was unfortunately the last remaining relative in my family and I have been grieving uncontrollably over the past year because I have no help or support available. 
As a consequence of her death I inherited XXXX properties that I am trying to manage. Her estate is still currently in review and probate in XXXX County Maryland. I 'm filing a complaint because of the lack of help and correspondences with her lender in an effort to assume, modify or refinance her loan so I can keep her property. Every time I send the requested documents they keep saying that they never received it and then request the same documents over and over again stating that they never received them. I leave messages and they are not returned.
Product: Credit reporting or other personal consumer reports

I have sent request to XXXX XXXX and XXXX on the following dates XX/XX/year>2024 XX/XX/year>2024 XX/XX/year>2024. The judge dismissed the case and released me of all money owed back in XX/XX/year>2024. I notified XXXX and it is still on my credit report stating I owe {$7600.00}.
Product: Payday loan, title loan, or personal loan

I applied for a loan through Discovered and was conditionally approved after a credit check for a {XXXX}. I was told to provide bank statements, proof of address, ID, and social security card. All documents were provided except for back of ID. I was contacted by a representative and told we just need the back of my license to move forward. Once that document was provided the loan was Approved and I received emailed with my loan documents. I reviewed the loan documentation and decided to wait one day to review it with my husband. The next day we went into the portal to sign, and the application and it showed were decline after full approval and verify documents. We have spoken to several representatives, including supervisors and managers, over the course of 3 days and no can tell us why it was decline other than " unable to verify information '' and the reason was proprietary. No specifics and recourse to help us understand what happened. Several representatives stated they dont know why the loan was decline as everything was ok and documents were reviewed. I feel as though Discover has discriminated against me after getting my ID and decided to decline the loan for no apparent reason.
Product: Credit card or prepaid card

Chase is in partnership with an unethical airline : XXXX XXXX. I plan on canceling my Chase card as a result of XXXX 's new " basic economy '' pricing tier. 

Here is my story : Bought a " basic economy '' ticket online using my Chase card. 

Later found out that there is no way to upgrade to a plus ticket online - which I need due to my tall height and long legs. 

Called XXXX contact center. Was told they can not quote me a price to upgrade to plus for specific seats. Require that I roll the dice and upgrade from " basic economy '' to " economy '' ( for {$50.00} ) even though I am a XXXX Chase cardholder ; only then can I see what seats are available online and at what price ... 

This is an unfair, deceptive, and dishonest business practice. Passengers should be able to get a price quote on upgrades without having to pay a {$50.00} fee for the privilege to receive that price quote. At a minimum, XXXX Chase cardholders should be provided this added benefit.. 

I will be canceling my XXXX Chase card and sharing my experience online
Product: Vehicle loan or lease

Amount XXXX Month for XX/XX/XXXX After extending the lease, no bank info or automatic payment info had been changed. 

For some reason given that everything remained unchanged other than lease term being extended, the payment didn't go through and was assumed as a late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all incorrect information on my credit report with transunion.
Product: Credit reporting or other personal consumer reports

Im extremely frustrated to see unauthorized inquiries from your company on my credit report.
Product: Checking or savings account

Today XX/XX/XXXX I received correspondence from Bank of America with a debit card. I was with bank of America over 10 years ago and closed my account in XXXX. I checked e-mail address that I used when I was with the bank to see that there's 3 e-mails from XX/XX/XXXX about an application, that the application was in progress then that it was approved. On XX/XX/XXXX I got a welcome to your new account and giving instructions on what to do, funding account, XXXX monthly fee for having an open account and others. I called Bank of America today XX/XX/XXXX spoke to a rep advised I received a debit card in the mail and didn't open an account, she transferred me to the fraud dept. The gentlemen starts asking questions to verify me I advise to him the same I received the debit card and didn't open he says he can get the account closed but then refused to when he wanted me to verify my full ssn. He said I can go to a local branch I advised him were I am located at and that the nearest Branch is around 400 miles away. He said he would send an e-mail to allow me to close the account. Only e-mail I got was about protecting my Identity
Product: Debt collection

I received a voicemail on XXXX XXXX requesting a call back from XXXX XXXX with Nationwide DMS and the number provided was ( XXXX ) XXXX with her extension. I did not call her back. The very next day ( less than 24 hours ) I received a call at work from her. I informed her it was my work number and she said she was aware but she was a debt collection company attempting to collect a debt and she was notifying me that they were pursuing legal action if not paid. I then explained I can not pay, I am in the process of retaining an attorney for bankruptcy. She then proceeded to tell me that these fees can not be included in a bankruptcy which to my knowledge is incorrect but neither I nor she is an attorney and should n't be providing that information. She was very persistent and made it seem like I must call her back today ( if I can pay or make payments ) or they will file suit in small claims court. I called her back a few hours later and she became irritated that I told her I could not pay. She threatened to revoke my drivers license ( this is collection for unpaid tow yard fees ) I told her my license was suspended for a XXXX and she laughed and said " that 's too bad '' and then began to harass me about my living situation. Asked if I lived with my mom, insinuating I do not pay rent and that I could pay the balance. Also said " Well you have a job do n't you? '' These allegations should not be coming from a debt collector. I felt harassed. She would not let me talk and continued to talk over me saying they are going to pursue legal action since I 'm lying about not being able to pay. She then hung up. I called back to talk to her supervisor, and I was unable to get a word in and she hung up again. I called the number she provided in her voicemail the day before to complain about her tactics. I filed a complaint with XXXX. I do n't know if that even would help. I also informed them to remove my work number from their file as it was a XXXX XXXX XXXX. I have never received any written documentation from Nationwide DMS directly. Only the creditor itself.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, and XX/XX/XXXX Clarity Services Obtained my consumer reports without my authorization or a permissible purpose. I have not initiated any transactions with Clarity Services, nor do I have any accounts with Clarity Services for Review or Collection. On XX/XX/XXXX I sent Clarity Services a Notarized letter explaining to them of the Unauthorized Inquiry and for a {$1000.00} demand for a {$1000.00} settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/21 Filed a dispute with the credit bureau for an un-verified account with XXXX XXXX XXXX XXXX ( account number XXXX ). Sent a letter via mail. 
XX/XX/21 Filed a second dispute with the credit bureau for an unverified account with XXXX XXXX XXXX XXXX ( account number XXXX ). Sent a letter via mail. 

I have not received a response from the Bureau. I would like a response as soon as possible as it has been over 30 days and the un-verified continues to tarnish my credit worthiness. It is fraudulent and not my account.
Product: Student loan

They refuse to allow a deferment after I submit documentation. They keep reporting late payments to the credit bureau. They are listed on my credit report several times and refuse to delete multiple accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 fraud occuried on my account with XXXX  XXXX and discover hard pull inquries. I never applied for either. I didn't authorize anyone to do so on my behalf. I will show you guys a picture. I just want my stuff to be accurate I'm gon na change log ins and different things so this doesn't happen ever again. I'm hoping you guys have an understanding. If anyone walked into these banks it wasn't me I didn't sign anything or do anything online with XXXX XXXX or Discover
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I co-signed a loan for my ex wife and she defaulted and now Im left with a charge off thats hurting my score tremendously Ive tried to get them to remove and this was also involved in litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 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. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or repair the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX  XXXX  Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX