23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had one late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payment fot he account : XXXX XXXX XXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

My Occupation on my credit reports say XXXX XXXX XXXX and XXXX XXXX '' but that isn't my place of employment. Furthermore, I have two incorrect inquiries on my credit report. XXXX and XXXX. I have already tried once to get this taken care of, I don't want to have to pursue legal action to get fraudulent inquiries removed.
Product: Debt collection

XXXX XXXX placed a negative inquiry on my XXXX   Credit Report which is not my account. XXXX XXXX XXXX disputed the amount XXXX placed on my report. On XX/XX/18 XXXX XXXX sent a copy of a telephone bill with letter stating the bill is validated. Neither my signature or social security number on bill or letter. 

Thank you
Product: Credit reporting or other personal consumer reports

The original company was stage XXXX XXXXXXXX XXXX XXXX They stated that account was sold to XXXX XXXX and that they had nothing to do with the account as of XX/XX/XXXX. XXXX was contacted and the account was paid on XX/XX/XXXX with an agreement that they would contact all three bureaus to have the accounts removed from reporting. XXXX sent a letter to me and all three bureaus however all the bureaus did was document it as a paid charge off instead of removing the accounts.
Product: Credit card or prepaid card

I opened a credit card with XXXX XXXX, Comenity Capital Bank, XXXX XXXX XXXX, XXXX OH XXXX, on XX/XX/XXXX. I had a promotional balance that was set to end in XXXX. I decided to pay the full amount XX/XX/XXXX. I called customer service line at XXXX and asked for the full pay off amount. I then paid {$15000.00}, the full pay amount that was provided to me via phone. The representatives name was XXXX, our conversation begin at XXXX on XX/XX/XXXX and ended 30 minutes later. I believed then I was done with payments, but I received a XX/XX/XXXX bill for {$130.00}. I called and they advised that that was not the full pay off because of daily interest. How can I accrue daily interest when they told me the amount to pay in full. None the less, I paid the XXXX bill. Here we are now in XXXX and I get another bill, this time for {$4.00} ( confirmation payment # XXXX ). I called today, XXXX XXXX, XXXX and had a conversation with a representative. I requested that he close my account and I paid the {$4.00}. I'm not sure if I will be charged yet again next month and am enlisting the help of the CFPB to make sure this company stops charging me.
Product: Credit reporting, credit repair services, or other personal consumer reports

An incorrect balance for XXXX XXXX appears on my credit report.
Product: Vehicle loan or lease

i have been fighting with XXXX XXXX/united acceptance for years and i am not getting anywhere. These cars were paid off and yet the score is incorrect. I also years ago was part of the civil lawsuit where information was being reported incorrect. They have it on here double and this is wrong i have reached out so many times and i need this to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against XXXX, Experian & XXXX. The three national bureaus are reporting incorrect information regarding a Chapter XXXX bankruptcy I filed in the year 2015. I have filed several disputes in the previous months to which I have not received responses. All three companies have not provided me any investigation results, they have only wasted my time and efforts in preparing disputes. I am on the verge of considering a big public lawsuit against the three national bureaus if my request is not honored. 

The closing date that XXXX  is reporting is XX/XX/2015. The correct information is XX/XX/2015 The Bankruptcy filing date XXXX  is reporting is XX/XX/2015 this is incorrect. The correct information is XX/XX/2015 The closing date that Experian is reporting is XX/XX/2015. The correct information is XX/XX/2015 The Bankruptcy filing date Experian is reporting is XX/XX/2015 this is incorrect. The correct information is XX/XX/2015 The closing date XXXX  is reporting is unavailable. XXXX  has failed to publish the correct information. 

The Bankruptcy filing date XXXX  is reporting is XX/XX/2015 this is incorrect. The correct information is XX/XX/2015
Product: Credit reporting or other personal consumer reports

I disagree with the reporting of the account listed below, which persists on my credit report despite your previous investigation. I request an immediate re-investigation of this item as its inaccuracies severely impact my credit score. Per the FCRA ( Public Law 91-506 ), Title VI, Section 611, Subsection 1-D, please provide me with the names and business addresses of each individual whom you verified and validated the above information with, so that I may follow up accordingly. Additionally, please send me an updated copy of my credit report after completing your investigation. 
Account name : XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX University Accounting Services of XXXX XXXX XXXX XXXX, WI XXXX reported that I had a charge off/delinquent loan from XXXX. That information is both inaccurate and far beyond any statute of limitations for collections and far beyond the lawful credit reporting limit. At no time in the last 20 years has any lender or company complained about this supposed debt or tried to collect it.
Product: Debt collection

On XXXX i sent a letter to the address that was on file on my credit report asking for validation And i got a letter back stating this letter was returned back to me. Because they could not find account or my name in their records The company that sent me the letter was XXXX FORMERLY XXXX
Product: Debt collection

I DISCOVERED A COLLECTION ACCOUNT ON MY CREDIT. I NEVER RECEIVED A COLLECTION NOTICE IN THE MAIL. I HAVE SENT THE COLLECTION COMPANY 3 NOTICES AND TODATE I HAVE NOT HEARD BACK FROM THEM. HOWEVER THE UNKNOWN ACCOUNT THAT WAS NEVER VALIDATED/VERIFIED REMAINS ON MY CREDIT. I HAVE ALSO DISPUTED THE ACCOUNT WITH THE CREDIT BUREAUS AND HAVE BEEN INFORMED THE DEBT WAS VERFIED AS MINE- ITS NOT!!
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to formally dispute the inaccurate reporting of a charge-off account by AFFIRM INC account number XXXX which continues to report an outstanding balance on my credit report. This reporting is misleading and may be in violation of the Fair Credit Reporting Act ( FCRA ). 

Nature of the Dispute : Incorrect Balance Reporting on a Charge-Off : A charge-off means the creditor has written off the debt as a loss. However, they continue to report a balance, which is misleading and may violate credit reporting regulations. 
Potential Double Reporting : If this debt has been sold to a third-party collection agency, the original creditor should not continue to report a balance. Instead, they should reflect a XXXX balance with a charge-off notation. 
Failure to Properly Update Credit Reporting : Despite my prior disputes with the creditor and credit bureaus, this inaccurate reporting has not been corrected. 

Requested Action : XXXX. Investigate and Correct the Reporting : I request that the CFPB investigate AFFIRM INC and ensure compliance with credit reporting laws. 
XXXX. Ensure the Charge-Off Reflects a XXXX XXXX : If the debt has been sold, the creditor must update the balance to XXXX  preventing misleading reporting. 
XXXX. Require Updated Reporting to Credit Bureaus : I request that the creditor correct their reporting with all three credit bureaus ( XXXX, XXXX, and XXXX ). 

I have attached supporting documents, including a copy of my credit report with AFFIRM INC reporting a balance as oXXXX XXXX which is against the law I appreciate your prompt attention to this matter. Please provide a written response detailing the steps being taken. You may contact me at XXXX Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian for 6 days and spoke to 11 different people from the dispute department, and 2 supervisors. No one has been able to help me. I was given a ticket number and still no help. I am trying to TAKE off the security FREEZE/THAW from my account. I keep being told my address was removed from my account. Which I don't see how that is possible when I been living at my address for 8 years. I tried using the mobile app and nothing I been calling everyday and keep getting the run around from the Reps and Supervisor that my address have to be added. Then I'm being told they are unable to add my address and take off the FREEZE/THAW. The REP keep telling me there's a fraud alert on my account which is not true and my account do not have a thaw on it which is also not true. I know the difference and I should not have to call everyday to get someone that is incompetent and not understand XXXX well enough to assist me in removing the SECURITY FREEZE/THAW. I asked for the number to corporate no one had it. This is my last resort to getting help. All I want is my FREEZE/THAW removed PERMANANT off my account so I don't have to call Experian every again. My account has not been updated in a year and I had other items on my report that need to be updated and removed.
Product: Payday loan, title loan, or personal loan

I have been the victim if identify theft and fraud and can not seen to to undo the results of this as it pertains to crimes relate to payday loans. 

I believe an intermediary was used with my identification to see what " hits could be found '' in reguards to a quick payday loan. : I have recieved emails from the following intermediary but have been unable unable to make contact with them as their phone line is only useful for loan application. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ; XXXX, FL XXXX ; ( XXXX ) XXXX I subsequently recieved communications from payday loan vendors associated with tribal affiliations. 

One was a loan application which was ( fortunately ) denied on XX/XX/018. 
XXXX, XXXX Also goes by XXXX., an economic arm of the XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, MT. XXXX. Phone ( XXXX ) XXXX XXXX XXXX A police report has been filed on XX/XX/2018 and will be sent to them requesting all date be expunged. 

The initial payday loan vendor was Blue Loan Trust, who did a " soft credit '' check and approved a loan and has been calling me since. I have filed a police report whic has been sent and the Blue Loan has yet to aknowledge the fraudlent loan and contiinues to call me and send emails.They have not been helpful and have withheld information. My credit has been blocked, so it is disturbing that they approved such a loan. 
The are part of : Hummingbird Funds , LLC an ecomnic development arm of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Mail : LCO, XXXX XXXX, XXXX, WI XXXX, Customer services : ( XXXX ) XXXX FAX : ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX XXXX, an account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a Loans account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$2300.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian ; I signed up in XX/XX/2016 to monitor my credit report and after a few months I decided to cancel as I did not need the services anymore. I tried contacting Experian at the number that shows up on my credit card statement and i have sat on the phone over 20 times for over 45 minutes only to have the call dropped. While on the phone with them they have a recording that plays that says " if you want to cancel your membership, sign in to your account online and its easy to cancel '' however there is no place to be easily found on their site to cancel the membership. They route you back to calling in to cancel. Today while sitting on the phone I surfed their site and finally found an email to XXXX. I sent an email requesting cancellation and informed them that I was filing a complaint with the CFPB and FTC. For a company to make it so difficult to cancel is fraud. While I was typing out this complaint I finally got someone on the line with Experian after another 32 minutes. Then suddenly the call dropped, again!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted the proper paperwork to Transunion to remove the fraudulent accounts from my credit report and Transunion did not remove them.
Product: Credit reporting or other personal consumer reports

Credit Reports for collection of delinquent child support, judgments, fines and liens may no longer be permitted Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ). 1 These cases note that certain definitions were added to the FCRA as part of the 2003 amendments ( FACT Act ). In particular, the word credit was defined. As a result of the new definition the position that is being advocated is that a collection of an account is a permissible purpose to obtain a consumer report only when the collection is in connection with a credit transaction.

The courts have specifically rejected prior case law and FTC guidance that a judgment creditor had permissible purpose, noting that those decisions pre-dated the FACT Act. These cases have held that a delinquent child support obligation, municipal fines arising from parking tickets, and a statutory debt resulting from the towing and impound of an illegally parked vehicle did not arise from a credit transaction. As a result, the courts found that collection of those accounts was not a valid permissible purpose to obtain a consumer report. 
If you use XXXX consumer report services in connection with the collection of an account, we advise you to promptly review the new case law with your regular attorney or compliance advisor. 
XXXX will be contacting each customer that is a third-party collector to discuss this issue. We expect to confirm with you that you are in compliance with this new interpretation. Until then, unless you advise otherwise, we are relying upon you to comply with your contract with XXXX and this new interpretation of the law. This means that you may obtain XXXX reports for collection purposes only when collecting on an obligation arising from a credit transaction, or where you have the written authorization of the consumer or a court order to obtain a consumer report. 
As an example, for collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : A court order authorizing a consumer reporting agency to provide a consumer report, A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/XXXX, at XXXX XXXX XXXX, XXXX, NY XXXX XXXX CHASE Bank branch , I deposited {$2500.00} in cash at the ATM. However, the deposit was not completed at that time, and a receipt came out of the ATM, but it did not show the deposit amount. 

On XX/XX/XXXX, I followed the instructions on the receipt and contacted the bank staff to explain the situation. On XX/XX/XXXX, my account showed ( Reversal : Missing Credit ClaimId : XXXX | See details of this deposit ATM deposit {$2500.00} ) But on XX/XX/XXXX, another {$2500.00} was debited from my account. On XX/XX/XXXX, I called the bank customer service again and they told me that they made a mistake. They thought I had deposited a check of {$2500.00} instead of cash., so further investigation is required. 

On XX/XX/XXXX, chase returned the XXXX credit in my account again. 

On XX/XX/XXXX, the {$2500.00} credit in my checking account was debited again. 

I contacted the bank customer service and they told me that I couldn't find the money and needed to call the monitoring department to check the XXXX. I then called the chase bank monitoring department, they said that they need a police report before they can check XXXX. 

So I went to XXXX Police Station XXXX and the police told me I needed to dial XXXX at the bank branch and the radio-dispatched the police to the scene. In the middle of XXXX ( should be the week of XX/XX/XXXX to XX/XX/XXXX ), I went to the bank branch. The bank staff said that they did not want me to call the police, and made an appointment for me. They called chase customer service to help me with this. On XX/XX/XXXX at 12 noon and the bank staff helped me contact the chase bank branch and she ended up copying my receipt, social security number, my ID. And she told me that she would report this to Chase, and they would conduct another investigation. The results will be available in about 10 days. 

On XX/XX/XXXX, the day before my birthday, I saw an update in my account activity ( XX/XX/XXXX, XXXX DUE TO ATM DEP ERR CORR XXXX Account transfer {$1900.00} ) My understanding is that they did investigate this case, and they did find some money, but it wasn't the correct amount which is {$2500.00} that I deposited at the time, but the {$1900.00} I didn't know how they find out. 

Later, I received a call from XXXX XXXX, TX a few days ago, XXXX. A staff told me that because my checking account is currently owed {$200.00}, I need to deposit at least {$200.00}, otherwise they will close my account soon.
Product: Credit card

We were issued XXXX refund checks XX/XX/XXXX for interest over charges on credit cards issued by Chase Bank USA. The refund check was due to the SCRA program. We received a XXXX XX/XX/XXXX for the refund payments. We are now being forced to pay income taxes on money that was not income but money we had paid to Chase Bank USA for interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

fair collections and out is reporting and account that was paid proper to it being sold, ive advise they refused to validate with company so I paid it a 2nd time and was told it would be removed that was in 2017 and they haven't made any attempts to resolve issue which is affecting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint again to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX CO XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXBalance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; U S DEPT OF EDXXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXBalance : {$840.00} ; US DEPARTMENT OF EDU XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$200.00} ; XXXX XXXX XXXX Balance : {$510.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; US SM BUSADMIN XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.
Product: Debt collection

I received a call from Convergent/Convergent Outsorcing/XXXX demanding payment of a debt from XXXX. I asked them for more information and they refused unless I would report ( " verify '' ) my current address and phone number. I said that I would not. The woman told me that I was required to. I said No, have a nice day and hung up. 
I have an account with XXXX, so I called them and was told that my account had not been released to collections and that the collection agency was lying.