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

On XXXX, an unauthorized charge of {$440.00} was made to my credit card account. I called Chase to file a dispute on the amount, which they said they were going to investigate ( I imagine because I told them I knew who did it, that my dispute must have been redirected to a department that does not care, I'll explain more on that later ). I received a letter in the mail 2-3 weeks later asking for more info, which I believe I then sent through a " secure message '' through their website ( which of course I can't find a record of, as of today XX/XX/XXXX ). I did not hear anything back from this credit card company regarding the dispute. They also reported to the credit bureaus, in late XXXX, the balance on my account that INCLUDED the disputed amount. ( Isn't that against the law? ) A couple weeks later, on/around XX/XX/XXXX, I noticed more unauthorized charges hit my account, so I went to the person responsible, and told me that they would pay me back for the " miss-click '', so I did not file an additional dispute. To prevent future head-aches with this person, I then cancelled the card, thinking that future charges would not go through, as the original dispute was still ongoing, to my knowledge. 

On XXXX, another charge of {$63.00} hit my account, so I called Chase again to figure out what happened. No big surprise here, but I was told that companies still have the ability to charge your account even though my old card was shut down. I then asked Chase to block the merchant from future charges, which they said they would do. 

Then on XX/XX/XXXX, XXXX more charges i/a/o {$170.00} and {$400.00} hit my account again!! I called again on XX/XX/XXXX around XXXX, only to be told that it takes 30 days for a blocked merchant to go into effect!?! I was never told that it would take a ridiculous 30 days to take effect. So I filed another dispute online, including the XXXX charges, plus the previous dispute, for a total of {$1000.00} in unauthorized charges on my account. 

I then receive a voice message on XX/XX/XXXX to call back a man named " XXXX XXXX '', however when I dial the extension number he left, I receive multiple dial tones as if the number is disconnected!! So I call the customer service number, and speak to more unhelpful employees that tell me they do not have a record of my call on XXXX, nor do they " believe that I called ''!!!!??? So, apparently, this time, they put on a block on the merchant ... I'll never do business with this company again and let everyone I know about this unique experience ... Lesson here, never tell dispute departments that you know who did it, otherwise your honesty will backfire!! 

And they accuse me of lying?!?! Their investigative process is a joke ; I guess my account is the punchline ...
Product: Credit reporting or other personal consumer reports

Back in XXXX of 2023, I tried to rent an apartment, but my application was rejected, and they told me that I have some issues with my credit report. I registered myself on the website called creditchecktotal.com, and I found out that I have multiple unrecognized accounts and inquiries. Because I didn't apply for anything in last few years, I should not have any inquiries or credit cards. Only credit cards that I have is from XXXX XXXX. But I saw XXXX fraud accounts from XXXX XXXX XXXX XXXX and XXXX XXXX I called creditors and credit bureaus about these fraud accounts. Creditors told me they will start investigation on their side, and meanwhile, I need to contact my credit bureaus to dispute these accounts on my side as well which I did. However, since XXXX of 2023, I submitted about XXXX dispute request letter with FTC report, I noticed these fraud accounts come back to my credit report after removal. Every time I request dispute case, I receive letters from creditors and credit bureaus saying that these accounts turn out to be factual or correct account. I called creditors to explain that I have never applied for these accounts and credit bureaus to request proper investigation, results were same : they are all correct information. I attached FTC report, my ID, my social security card, and utility bill to prove myself. I also requested these creditors to send me a copy of application and other documents someone submitted during the application process, but they said no because of privacy issue. If they believe that this is correct account, why don't they send me a copy of documents? I also asked credit bureaus to send me a proof they received from credit companies, but they just told me " I will receive a explanation letter in XXXX business days about my dispute case. '' The letter did not contain any proof except for just regular letter saying my dispute case has been closed and concluded that these are " factual '' accounts. Again, if they have strong proof that these are my accounts, why don't they send me a copy of documents? It's getting almost a year, and I did everything I can to solve my fraud issue by myself. I can't see how to solve this problem anymore. Please help me with protecting and fixing fraud errors in my credit reports. Every time I call credit card companies and credit bureaus, all I receive is just standard and regular letters saying " this is factual account, '' but I see no proof of documents attached. Obviously these credit bureaus are not doing their job correctly. As a credit bureaus, they should do their investigations carefully and make sure send me what creditors sent them, so I can see what information was stolen and I can take next step to remove fraudulent accounts from my credit report.
Product: Checking or savings account

XXXX I put my van to fix at XXXX XXXX XXXX on XXXX XXXX but they didnt do their job correctly also lied to me that they replaced the parts which they didnt. So we had to go visit XXXX dealer and they recorded the video that my van was missing parts and not fixed but overly charged {$2100.00} by XXXX XXXX XXXX. I have included the experts letter from XXXX dealership so they can support my claims that XXXX XXXX did not do their job and charged my money.
Product: Mortgage

received loan modification and was asked to pay money up front. I paid it. Have n't missed a payment. It comes directly from my bank. Mortgage company keep sending letters stating that my monthly payment is behind. Also my note has increases from XXXX dollars to XXXX dollars to XXXX dollars per month. Interest is now XXXX percent. Initially offered modification with interest at XXXX percent and monthly payment of XXXX dollars. Bought house for XXXX dollars about XXXX years ago but now owe XXXX dollars. XXXX companies were involved : XXXX, XXXX and now Caliber Home Loans.
Product: Debt collection

As result of fileing a complaint on XX/XX/year> - COMPLAINT ID ( XXXX ) XXXX I woke to a notification from XXXX XXXX this morning ( XX/XX/year> ) that LOCKHART MORRIS & MO had placed the fake {$720.00} Medical debt onto my XXXX XXXX report by calling it only " placed for Collection '' on XX/XX/year>. I have screenshots First off, this was an attempt to scam a XXXX person on Social Security, as to the best of my knowledge I owe no such debt. Secondly CFPB final rule published XX/XX/year> prohibits placing medical debts on credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and accounts was applied for and opened with out my knowledge or consent. I am not liable fotr any debt that occurred or was created due to this fraudulent activity
Product: Credit card

Home Depot notified me of a Fraud Charge in XX/XX/XXXX ; they assured me the issue was going to get fixed. XX/XX/XXXX, I received a bill and called Home Depot ; they notified me the fraud claim was denied. I re-opened the claim. XX/XX/XXXX, I receive another bill. I call once again, they say the claim has been denied once again. They are not able to tell me why this claim is being denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that one particular account on my credit report was incorrect when I reviewed it again. 
Here is the aforementioned account : XXXX XXXX XXXX XXXX : {$10000.00}
Product: Mortgage

Faxed in modification SPS SAID TOO LATE! IN CALIFORNIA HAS TO BE REVIEWED! Sale happened XXXX sold for {$480000.00}! SCAM, INSIDE FRAUD! Law states has to sell for MARKET VALUE and wasnt see PROOF! Called a broker, title rep and escorw officer and all said same thing! My cousin going to call the FBI fraud department, District Attorneys office, XXXX XXXX XXXX XXXX XXXX XXXX etc. AND WITH XXXX PLUS VIEWS!! Is and inside scam and someone knew an investor who bought it! KNOW ABOUT UP SELL and and equity is mine! Will find out who legal owner is and filing federal paperwork. FORECLOSURE COMPANY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   client  XXXX   XXXX   XXXX  is a victim of identity theft. Her information was used without her consent to attempt to establish several credit accounts with various creditors. Attempts were made to dispute the fraudulent inquiries made into her credit as outlined under the FCRA however  XXXX   (   XXXX  ) of these creditor banks have failed to remove the inquiries from her credit reports  XXXX  which is a violation of the law ). Barclays Bank DE,  XXXX   XXXX  and  XXXX   XXXX  have each been notified of this fraudulent data and is some cases the bank was notified in writing twice. Each time was done certified mail with return receipt. The most recent credit reports obtained  XXXX / XXXX / 2017  those inquiries are still being reported.
Product: Student loan

My student loans have been on XXXX XXXX XXXX plans since XXXX. I have asked Mohela and the Dept of Ed numerous times to tell me where they stand under the Expanded waiver terms because I believe that they should be at or very near forgiveness under the waiver, but all I have gotten is my XXXX  counts and Mohela keeps insisting that my loans only go back to XXXX, which is totally incorrect. I cant get either side to listen to me and go back to my loans origination date because all my loans are now interest making interest. I never agreed to consolidate them the first time and was unaware that they had been consolidated until last year. I am onlynaaare if my consolidation in XXXX. So, please tell me what I need to do to help you to help them audit all of my loans and their payment/status history so I can get complete credit. I have proof of them being in an XXXX  XXXX  and whatever else you might need.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fair credit reporting act states that someone is suppose to have your consent to pull my credit. And if they dont have my consent they are violating a federal law called the FCRA XXXX The company pulling your credit must provide documented proof of documents with my signature on it that I authorized and provided consent for the hard inquiry. The FCRA says that as a consumer, I am legally allowed to challenge the validity and accuracy of these hard inquiries listed below. If they fail to provide this documentation then XXXX, XXXX and Equifax must remove these inquiries from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A EQUIFAX Mortgage service XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

I have attempted to dispute with XXXX, XXXX, and XXXX with both XXXX and XXXX disputes being declined. I have re-opened the disputes, as my XXXX balance was paid in full and nobody ever attempted to collect. I had never received any email, mail letter, phone call, or any information regarding this collections account until I noticed it was reported by XXXX XXXX. XXXX has been paid in full, on time each month and evidence has been provided to the credit bureaus to reflect this. Regardless, this incorrect balance remains on my credit and nobody has ever attempted to collect on this debt.
Product: Credit reporting or other personal consumer reports

Please be advised XXXX, XXXX, XXXX are refusing to remove my Bankruptcy and old addresses, phone and old employer information from my credit file. The information was provided by Lexis Nexis and the bankruptcy on my credit report has not been verified by me nor has it been permitted by me nor does it has a signature by me to be placed on their platform. I wish to have my Bankruptcy removed from all three credit bureaus starting with XXXX. Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from CFPB on XX/XX/2022, that you closed my complaint to protect my PRIVACY. I called the 3 Credit Bureaus after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there Accounts : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ; XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent reporting on behalf EQUIFAX ; 15 U.S.C. 1681b - Permissible purposes of consumer reports ; In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 US Code 1611- Criminal liability for willful and knowing ; Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder.
Product: Debt collection

Makes frequent repeat phone calls throughout the day, has done two phone calls back to back. Consistently contacted other parties seeking location information after having my contact information and refusing to send written notice to my address. Called my place of employment and refused to end phone call after I stated that I was at work and continued to pressure me to stay on the phone waiting for an email to come through after stating multiple times that I was at work. Caller used a very demeaning tone and continued to pressure me in to a conversation while I work in a hospital setting. The company clearly uses scare tactics in their communication efforts with me and the other parties they are trying to involve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report and I found that there were things on my credit that do not belong to me. So i submitted dispute request and nothing has been done yet. I would like this information to be removed from my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Credit Bureaus are reporting inaccurate information. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate properly and remove them from my personal credit file. These are the following items : XXXX XXXX  ; XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Unpaid Balance {$2200.00} ; XXXX XXXX XXXXXX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX R XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$2200.00} ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX, XXXX ; XXXX XXXX Ct, XXXX XXXX XXXX TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Unpaid Balance {$2200.00} ; XXXXXXXX XXXX XXXXXX/XX/2023.
Product: Debt collection

shared information with 3rd party without my consent. reporting inaccurate information to the credit bureaus. damaging my consumer report with negative reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX  upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting or other personal consumer reports

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

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

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

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

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

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

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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

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

Delete the late payments from my consumer reports
Product: Debt collection

About a week before XX/XX/XXXX XXXX XXXX XXXX called my phone number asking for a XXXX XXXX concerning a debt who I have never known or heard of. On XX/XX/XXXX I received a call from XXXX XXXX from XXXX XXXX XXXX XXXX about a debt in the amount of XXXX from a XXXX XXXX source. XXXX XXXX attempted to collect on this account and I believed the account was mine and paid a payment of XXXX and promptly set up a payment plan to settle the debt. There were also an additional 4 accounts under my social security number, date of birth, and last name that they wanted to collect on until I said no that was not me and was told that was a mistake not to worry. On XX/XX/XXXX I logged onto XXXX XXXX XXXX website portal to view my account after logging in with my social security number, date of birth, and last name, a total of 5 accounts all of which were under the name XXXX XXXX including the account XXXX XXXX XXXX had collected on said belonged to me that I had paid an initial payment of XXXX and set up a payment plan. I immediately cancelled any further payments for the account as I believe the account and accounts are not my debt to be collected from on behalf of XXXX XXXX XXXX XXXX No where, after logging in under my social security, date of birth, and last name was my name attached to any of the accounts but instead a XXXX XXXX XXXX I am under the belief none of these accounts that XXXX XXXX XXXX is collecting belong to me but another person. I signed no contract with XXXX XXXX XXXX and am under no obligation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up CFPB Complaint to the first Complaint I submitted requesting that you remove the Fraudulent accounts and information off of my Credit File under the provisions of the Fair Credit Reporting Act sectiob 605b. I have read that under the said Federal law, you are required to remove any account and information from my Credit File. Please have the disputed items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX XXXXXXXX Balance Owed : {$67.00XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I am requesting that you remove the disputed items from my Credit File in accordance with the Fair Credit reporting Act section 605b. If you believe that the disputed items belong to me, please send me copies of proof of verification or any documents bearing my signature to prove that I own such items. Without these documents, immediate deletion of the disputed items is to be expected.
Product: Credit reporting or other personal consumer reports

XXXX. Family educational and privacy rights On XX/XX/XXXX I spoke with several individuals at DEPT OF EDUCATIONXXXX and sent a letter on XX/XX/XXXX to XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for removal and also I requested that they send me my Master Promissory NOTES for both accounts on my credit reports Date opened XX/XX/XXXX Account number XXXX Amount XXXX Date opened XX/XX/XXXX Account number XXXX Amount XXXX NO ACTIONS WERE TAKEN I've also informed XXXX, XXXX and Transunion of the violation of the Family educational and privacy rights requesting removal