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

Theres been a security breach at Experian as my account has been compromised and disabled. I received an email stating my account with Experian via creditchecktotal.com had been canceled. Because I know for a fact I did not cancel my account, am filing a complaint because this same thing happened to my family members XXXX, XXXX and XXXX. I went online and tried to sign in with my username is XXXX and it gave me an error message stating to call a toll free number. The number goes to an automated system with no live operator. My account has been compromised and I can not get any help. Im sending this info to XXXX and XXXX XXXX as well as it will total four complaints within one week about the same issue. I even tried to create a new account with username XXXX and the same error occurred after it took my {$1.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on a retroactive forbearance for my student loans through XXXX XXXX from XXXX XXXX through XXXX XXXX. XXXX had reported on all XXXX credit bureaus that my XXXX payment on several of my accounts was 90 days late. The reporting significantly decreased my credit score. I filed a dispute with the credit bureaus with documentation, but it has gone no where.
Product: Debt collection

I have a debt charge off reported on my credit report on behalf of  XXXX   XXXX  at  XXXX   XXXX  apartment complex. According to the complaint filed on the report I am delinquent payments totaling more than {$5000.00}. I moved from the above-mentioned apartment complex in  XXXX     2014 a nd was at the end of my lease term at that time, so I am unsure what the debt would be for. I have received no communication, written or otherwise, from either the apartment complex or the agency reporting the debt in that that three years so I given no opportunity to dispute the debt prior to it being reported as a charge off.
Product: Debt collection

my purse was stolen and i made a police report. since then there has been a couple of cell phone accounts made in my name. collection company after collection continue to buy this old debt and try to collect from me.
Product: Debt collection

I filed a police report and PayPal keeps harassing me to pay. Now they have given my case to XXXX XXXX XXXX and it is hurting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Transunion Credit Bureau to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a dispute letter to TransUnion. They mailed me a letter suggesting I didnt mail it. I personally mailed and certified my dispute letter. I have the tracking receipt to prove it. Please contact TransUnion to confirm I sent this letter. Tell them to provide dispute results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective XX/XX/XXXX, 2017 any public record data must include name and address as well as SSN or D.O.B. in order for it to appear in your credit file. The credit bureau has not updated the information as per the new law true bankruptcy listed does include this information and should be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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
Product: Debt collection

I contacted Experian on numerous of times about debts that was in my names and was told that I was still responsible for them. Then when I went back to log in I wasn't able to get back on the site
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX without much help at all and multiple letters sent to XXXX, XXXX  and Experian requesting that false and inaccurate information be removed from my credit bureau reports. I have not received any success. Ive even told them that addresses and names on the credit file are incorrect and they refused to respond and correct it. On XX/XX/XXXX after many letters sent requesting that XXXX XXXX and XXXX XXXX XXXX XXXX be removed from my credit report as this alleged debt is false and inaccurate, it was removed. Only to be put right back on the credit bureau today XX/XX/XXXX. This has been a constant back and forth game with willful violation of the FCRA by these three credit bureau reporting agencies the item is removed, then put back on with out any notice at all to me by XXXX, XXXX and Experian. It was removed again back on XX/XX/XXXX, this is a violation of the law. Then put back on. It was removed again on XX/XX/XXXX and put back on again. It was removed again on XX/XX/XXXX and put back on again. These are the games violations of the FCRA that XXXX, XXXX  and Experian as they are in engaged in defamation of character and fraud. By the way I have provided all three credit bureau reporting agencies with copies of letters sent certified mail and registered mail to these credit bureaus requesting proof of these alleged debts and not on of them have provided proof, since they cant provided proof of accuracy to me I asked all three credit reporting agencies to provided me with the proof that these collection agencies provided to the, and not one credit bureau reporting agency has provided that XXXX me since XXXX. They should be shut down permanently for their willful violations of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tired of this XXXX company transunion is reporting unverified and inaccurate child support account on my credit which has stopped me from getting approved for my new car so now this will be my final complaint before I turn to my attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

an Enitity pressured me to give them a credit card although they agreed to a cash amount for a service that i paid them with a Money Order in advance of getting service. they charged me excessively & I was advised to report to the Credit Card Co. 
I did they took my statement - got the Entity statement & disagreed with me. however to overt this Business from charging more & claiming more false narrative I told U.S. Bank / Smith ' to closed the account. 
i continued to pay a monthly balance while closed & while his matter was in litigation. 
in calling U.S.Bank because i received something that I could get a higher credit i found that this account was not closed. 
In that conversation i was assured it was going to be closed. 
Periodically I asked XXXX for a Credit Score ( see file I took them to Federal Court & Settled ) they would not provide a Credit Score without money. 
In talking to an Advisor about selling my home well before the current Seller Issue she told me that I could sell " handsomely -but that i could not get a mortgage-because my credit score dropped to the XXXX ' with XXXX XXXX XXXX. 
She said that she determined that I lost a 100 plus points due to this closing of this account. 
When I recontacted U.S.Bank they said they wouldr e-investigate this Fraudbut determined that it was to late. Not late enough to be filed in court. 
They ultimately told me that I would have to re-apply for a credit card. my advisor said that would only lead to a lowering of my Credit Score -- -- -- -- more! 
I've been back & forth with u.s. bank to include Fax ' ( XX/XX/XXXX & XXXX ) so i have a record. U.S. Bank set another form letter /no name -- to re-apply. I did but I could not get a copy of my application- for the record! 
This is costing me a record profit amount on my home. 
The last statement again was not received -- i called & got an amount due & mailed it in without a statement -- to avoid being late. 
Advisor said they should just re-open & set up a different credit card number Like to have this huge Real Estate profit to pay off debt to include this-balance -in buying something smaller.
Product: Money transfer, virtual currency, or money service

1 ) My Friend transferred the amount of {$1000.00} from his registered XXXX XXXX XXXX via XXXX to my registered account of XXXX XXXX XXXX. I had registration via my Mobile Number ( xxx-xxx-xxxx ) and he sent via Email Id. 
Normally in such scenario transaction are reverted via Bank. I got an email from Chase Quick Payment saying that amount will be received which is not relevant, As I have not account in Chase Bank. On further investigation with Chase Customer Service they told that they have a customer checking Account with same email id as mine ( Huge security breach for me ). We checked back with XXXX XXXX XXXX and they told that they went to the Chase Customer and he refused to do the reversal.I have all the transaction details but none bank is ready to provide me any more details on the amount. 


Issue : 1 ) Currently anybody transferring the amount on my email id, Chase customer who is registered in XXXX would receive the amount with no association of him on this transaction. 

2 ) Customer is not ready to reversal of transaction even he is not owning the transaction which is biggest concern for me along with Bank. 







Chase Case No : XXXX XXXX XXXX XXXX :XXXX Transfer Date : XX/XX/2019
Product: Payday loan, title loan, personal loan, or advance loan

I did not realize that this lender charges interest rates that are above the legally allowed amount in XXXX. This company also has several class action lawsuits due to this.
Product: Credit reporting or other personal consumer reports

Regardless of our previous attempts, I regret to inform you that these items still persist on my record. I want to emphasize the critical importance of rectifying these discrepancies promptly. The presence of fraudulent items undermines my financial credibility and poses significant challenges for my financial well-being and future credit opportunities. I kindly request that you could help me to prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. 

Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these fraudulent items removed from my credit report. I understand that addressing such issues may require time and effort, but I would like to ask for help from you about this this matter with the diligence and attention it deserves. Your assistance in rectifying these discrepancies is crucial to ensuring the accuracy and integrity of my credit information. Please help me remove thes efraud items immediately : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$260.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$260.00} XXXXXXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$260.00} XXXX XXXXXXXX XX/XX/2023.
Product: Consumer Loan

Harley Davidson Financial Services calling more than XXXX times daily to collect on account that is late no more than 1 day.For example, if pmnt. has been made online thru their very own website the day before being tardy they will begin calling the very next day.Have stated on phone if 1 hour overdue account is late. I do not want credit rating affected in negative manner because of their overzealous collection practices. This company is allowing very unfair and unprofessional business practices to be performed and should definitely have a grace period in place.
Product: Bank account or service

Hi, We are doing banking for our company with WellsFargo from last 9 years. We deposited check ( frost bank ) into Wellsfargo for the amount of XXXX $ and money was withdrawn from frost bank immediately and wellsfargo says money will not be available for next 10 business days as the check amount is high. Customer service and banking service is really sucks.
Product: Debt collection

I have asked Pinnacle Credit Service to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Credit reporting or other personal consumer reports

Everytime I try to file a dispute with transunion it instantly takes me to a feedback page.i cant get them on the phone ... .everytime I try to reach XXXX it says they dont recognize my account or tell me I dont have a credit score which I only see scores from transunion or XXXX... never can reach XXXX believe XXXX got my dispute... I shouldnt have any inquiries but for the 2 credit cards I qualified for ... XXXX XXXX XXXX XXXX XXXX  ..ive never been late on any payments.i made 12 {$60.00} payments in one month on my XXXX XXXX  card ... .I would max it and pay it off before a statement or due date ... ppl say never go over utilization and its true.but on a small limit card, you max it out but pay it all off before statement and it shows you need an increase and my nephew got {$2000.00} showing him that but you dont do it on a higher limit ... ive tried and tried to dispute everything on my report because I shouldnt have anything period but I cant get them
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX - XXXX
Product: Debt collection

Lexis Nexis is reporting a dismissal XXXX to all XXXX credit agencies without ( No permission ) the court of clerks did not or doesnt report to the creditor agencies XXXX XXXX XXXX, and XXXX . It wasnt a discharge bankruptcy I never went through with the XXXX  XXXX it was dismissed
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX ConServe XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX Re XXXX Creditor : XXXX XXXXXXXX XXXX  Consumer Reference Number : XXXX Account Reference Number : XXXX Subject : Formal Dispute of Debt Dear Sir/Madam, I am writing to formally dispute the debt referenced above, which you claim I owe to XXXX XXXX XXXX. I appreciate the documentation provided; however, I have found discrepancies and require further clarification before I can accept any liability for this alleged debt. 

Reasons for Dispute : XXXX. Validation Notice : You state that an initial validation notice was sent to my address on XX/XX/XXXX, yet I did not receive this notice. Please provide proof of delivery for this communication. 


XXXX. Account Details : The documentation provided does not fully establish that I owe the amount in question. Specifically : The ledger card lacks clear explanations of charges and payments. 

The Performance Fact Sheet and Enrollment Agreement do not adequately link to the alleged balance owed. 



XXXX Credit Reporting Accuracy : I dispute that this account is accurately reported on my credit report. If the account is not verified with 100 % accuracy, it must be removed per the Fair Credit Reporting Act ( FCRA ). 



XXXX. Potential Violations of Federal Law : Your response did not address whether this debt is time-barred or falls under statute of limitations restrictions. Please clarify if this debt is still legally enforceable. 



My Request : Provide a complete and detailed accounting of how the alleged balance was calculated. 

Supply proof of the original signed contract or agreement demonstrating my obligation to pay this specific amount. 

Confirm whether this debt is within the statute of limitations for legal collection in my state. 

Cease all collection efforts, including credit reporting, until this matter is fully resolved. 


I reserve the right to escalate this matter to the CFPB and seek legal counsel if necessary. I request all correspondence be conducted in writing moving forward. 

Thank you for your immediate attention to this matter. I look forward to your response within 30 days as required under federal law. 

Sincerely,
Product: Debt collection

Debt Collector : CDI Affiliated Services XXXX XXXX XXXX, ID XXXX Date of Statement : XX/XX/2021 Amount of alleged debt : {$4900.00} Reference number XXXX Date of Service : Not included on the statement - unknown Provider of Service : XXXX XXXX XXXX  Reference number XXXX I received a notice from the debt collector CDI Affiliated Services, XXXX XXXX XXXX, ID XXXX. on XX/XX/2021. I responded on XX/XX/2021 with a Debt validation letter asking for an itemized breakdown of the charges and fees, a copy of my signature with the provider of service to release my information ( HIPPA ), and proof that this company has the legal authority to collect debt in my state. I also asked that all communication is through letters. ( I copied the FTC Debt validation letter ). I sent it a certified letter.

I followed up 3 weeks later with a call to see if they had received my letter and when would I receive a response. I told them that the phone number that I was calling from was for work only and that I only wanted to communicate through the mail. I was told on the phone that my letter was received and being processed. 

I was assured that I would receive a response to my letter. the phone call ended. 
The next day I started receiving 3 calls a day on my work phone.

two weeks late I received another bill with a breakdown of cost for a procedure that I never received. I did not receive a copy of my signed HIPPA release authorizing the release of information to a third-party creditor, and I did not receive proof that this company has the legal rights to collect debts in Oregon.

I did not have the services that they are saying that I had. I am too afraid to call because I am still getting two to three calls a day from them at XXXX. 

I sent another certified letter and I have not received any response. I am sending the second letter again tomorrow in hopes that this can be resolved. 

Now the company has reported the debt to the collection- this is against the Fair Credit Reporting Act. I had asked in the debt validation letter to Cease any credit bureau reporting until the debt has been validated by me. 

The company has not complied with any of my requests and instead, I am receiving multiply calls from the company as a harassment tactic. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus are reporting that Im delinquent all of my accounts that I have open accounts and no accounts are open. I dont have any clothes accounts were all money and he refused to take it off. Something needs to be done about this.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the following accounts that have been reported on my credit report. I believe these accounts may not belong to me or may be inaccurate. Please investigate these items as required by the Fair Credit Reporting Act ( FCRA ) and provide me with your findings. 

UNKNOWN ( Original Creditor : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} Date Last Active : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Date Last Active : XX/XX/XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX AZ ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8400.00} Date Last Active : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I was trying to buy concert resale tickets, and I met the woman on XXXX XXXX. We had a conversation on XX/XX/XXXX, and I decided to buy the tickets from her and sent the money via Paypal. She told me her colleagues Paypal account which was XXXX, and I sent USD XXXX on XX/XX/XXXX. However, today ( XX/XX/XXXX ) I tried to reach out to her again but her XXXX account was already deleted and I could not see the messages because the messages were all blocked. So, I would like to get my USD XXXX ( XXXX including Paypal fees ) back from these scammers.
Product: Credit card or prepaid card

Starting on XX/XX/XXXX I tried to access my Victoria 's Secret Angel Card which is serviced by Comenity Bank. The Victoria 's Secret app has a link to the Angel Card account which is how I tried to access the account on XX/XX/XXXX. I have face id setup and I received an error message saying the path can not be found. I then tried to use my username and password and I received the same message. The next day I tried accessing my account and received the same error messages. On XX/XX/XXXX the link to access the Angel Card was removed from the Victoria 's Secret app. I tried accessing the desktop website and it had a banner stating the website is down due to a planned system update. When calling the phone number on the back of my credit card, which I first tried on XX/XX/XXXX, I got an automated message saying " due to a planned system outage we are experiencing higher than normal call volume. Please try again later '' then the call disconnects. I didn't receive a single notification about the system outage from Comenity. I found out after doing a XXXX XXXX  about their outage. I'm submitting this complain on XXXX and I still haven't received any notification from Comenity and their website and customer service number are still down. They state they have an easy pay option online but when I select the link it brings me to a page that doesn't load.