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

On ( insert date ) I sent out letters certified mail to each credit reporting agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and everything as accurate. 

This is false because there are number of inaacuracies and inquiries on my consumer report that still remain. 

1. I never gave this creditor my written consent to run my credit therefore it is fraudulent and this is violating permissible purpose and needs to be removed XXXX XXXX Date of inquiry : XX/XX/XXXX 2. I am disputing this account for inaccurate information because Equifax is reporting the date of last activity incorrectly.

You are reporting the date of last activity as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Having the wrong date of last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off XXXX XXXX Account Number : XXXX 3. I am disputing this account for inaccurate information because Equifax is reporting the date of last activity incorrectly. 
You are reporting the date of last activity as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Having the wrong date of last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off XXXX  XXXX Account Number : XXXX 4. I am disputing this account for inaccurate information because Equifax is reporting the date of last activity incorrectly. 
You are reporting the date of last activity as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Having the wrong date of last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off XXXX Account Number : XXXX Please Submit onto XXXX  form and please Delete under section 1681s ( 2 ) ( b ) They have failed to perform a proper investigation pursuant to 15 usc 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the reinvestigation procedure pursuant to 15 usc 1681i ( 7 ). They have 15 days to respond the description or else above listed accounts need to be removed from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT NAMES : 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX FL XXXX 2.XXXX XXXX XXXX XXXX XXXX # XXXX XXXX FL XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX 4. XXXX XXXX XXXX XXXX GA XXXX 5. XXXX XXXX XXXX XXXX XXXX GA XXXX 6. XXXX XXXX XXXX XXXX NC XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX 8. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During the month of XX/XX/2018 I was refinanced a car From XXXX XXXX due to the inflation I returned the car in approximate 19 days.Not owing anything what they speak of is a down payment I never received plates for the car I lost my job because it went out of business XXXX delivery service unable to pay car at time but I got a new job an they didn't give me time enough to pay it so I was unable to make it to work so the problem is they still reporting to all 3 Bureau negative payments causing my score to drop an also wouldn't return my money..
Product: Debt collection

I have requested from AD ASTRA RECOVERY SERVICES, two times for validation of a debt that is showing up on my credit report. This company has not responded to my request. Apparently this account was opened online. The amount showing is {$500.00} on or around XX/XX/XXXX. I have requested validation XX/XX/XXXX and XX/XX/XXXX, as  both request were in writing. am requesting this account be removed from my credit file, as this is putting a stand still on my home purchase. This company has failed to send me validation of this account. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX account is reporting on my credit report with a balance of {$16000.00} XXXX. Over a month ago I previously requested a " FULL ACCOUNTING '' of the charges to this account. 
" XXXX provide me with a full accounting of this account which means all the transactions '' XXXX failed to provide me with that accounting information, alternately they sent a letter completely irrelevant to my request. I have attached the letter. 
Therefore I am again asking for XXXX to provide me with a full account of this account dating from XXXX through XXXX. I do not believe the balance reporting is anywhere near accurate among other issues.
Product: Credit reporting or other personal consumer reports

XXXX XXXX information about the account is inaccurate and they sold it to another Company ( XXXX XXXX  XXXX ). I'm willing to pay at a negotiated fair price and for them to remove this from my credit report. I also need a written copy of removal from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX student loans is on my report twice called the company and they have no records under my name or social they told me to call the national student loans called them they have no records of any student loans on my name either the first one on my report is for {$3900.00} it has no monthly payment on in and both where open the same day please help me remove this from my report thank you so much
Product: Credit reporting, credit repair services, or other personal consumer reports

SEE ATTACHMENT. I HAVE RECENTLY DELETED THIS ACCOUNT TWICE AND IT CONTINUES TO REAPPEAR ON MY CREDIT REPORT THUS BRINGING DOWN MY CREDIT SCORE. IT IS DISRUPTING ME TRYING TO BUY A HOUSE.
Product: Bank account or service

On XX/XX/XXXX, I reported identity theft to Chase bank for someone stolen my credit card and ATM / Debit card to go to Chase bank system and setup online banking changed my current home address, forward all my statements to somewhere and withdrawal all my chase bank checking / saving account fund from XX/XX/XXXX to XX/XX/XXXX. I have all evidence and identified as unauthorized. XXXX gave to Chase bank XXXX Id theft report case #, FTC id theft report case #, USPS Inspectors id report case # and Office of XXXX District Attorney id theft report case #, XXXX bank Faurd and Claims Dept. did not get deeply invstigate for my identity theft report cases and just denied all my claims.
Product: Debt collection

Account XXXX Chrysler capital This vehicle was destroyed in XXXX XXXX XXXX  in flood where I lost everything. I have notified Chrysler capital about this and ask for them to take use the credits an apply to principal balance. plus I had gap insurance that should have covered this matter Ive filled a 1099c and gave instructions on how to resolve this matter but still sending statements an reporting bad reports on my credit all these years. Plus trying to stop me from receiving credit which is a violation consumer rights act 15 U.S.C. 1602 -1610 Ive been asking for a full copy of my contract with my promissory note, and all information that I signed and they will not give me my information which I know is definitely violation. I will be notifying the IRS of this matter to help me assist me with this.

Ido feel my account is being traded on the secondary market Im asking for a Forensic audit on my account to see what has been going on with is account and why tender payments wasnt returned Ive sent paperwork an only received a letter no response to the account at all I sent a payment of credits that was owed an gave instructions to apply to principal account and return my tender payments back
Product: Credit reporting or other personal consumer reports

Today, I am writing this complaint to EXPERIAN regarding the incorrect information on my accounts. I sent them a letter requesting for investigation of those accounts mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report.

payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

had a XXXX dollar fraudulent charge from XXXX and XXXX that I would not pay. they PNC credit deemed the charge was fraud and removed it from my bill. Since then I have done everything requested and made the payments requested and they now have a XXXX late fee on my account ... My credit history is flawless and I have paid my account in full every month for over XXXX years. Never late ... I don't even know where this late charge is coming from. Sanctioned stealing by PNC should not be allowed..
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. Please update these immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 U.S.C. 1681. 
Account Name .... XXXX XXXX XXXX ... Account XXXX XXXXXXXX XXXX XXXX Account # XXXX 
XXXX... Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX. Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX15 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 an account without my written instruction. 15 U.S.C 1681 C. ( 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 1681 S-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 or other personal consumer reports

That on XX/XX/XXXX  I a written notice to XXXX XXXX XXXX XXXX opting out of credit reporting. XXXX XXXX XXXX XXXX has yet to respond to my demand
Product: Debt collection

Phoenix Recovery Group purposely reported inaccurate information on my credit report back in 2016. I have contacted them in attempts to try to get this resolved back on 2016. I've disputed this with the credit bearul and got no success and have documentation to support what I owe via court order. They reported I owe {$1500.00} originally and have ballooned it to over {$3000.00}. This could have been resolved in 2016 but they refused to collect the true and exact amount of {$920.00}
Product: Credit card or prepaid card

There were three charges on my account in the amounts of : {$8500.00}, {$340.00} and {$32.00} - totaling {$8800.00} made on XX/XX/ 2023. 

Account number : XXXX I have made several phone calls trying get this charges removed from my account to no avail. I never authorized any of those charges. The last call I made was on XXXX XXXX, 2023, and spoke to XXXX XXXX. She was not helpful at all. 

I am asking you to help me get those charges taken off my account. 

Thanking you in advance. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

In this previous case number : XXXX They removed the invalid item, now it has reappeared on my credit report.
Product: Debt collection

An account was opened detailing individual responsibility, but I have no prior experience with the company doing so. I disputed the account information, but it still has not been taken off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

So I sent a letter off on XX/XX/2021 Here is my tracking number # XXXX to remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy.

Also according to 15 USC 6802, no financial institution is supposed to share my information with third-party people. 

These are clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. These accounts include : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX and XXXX XXXX XXXX. I have filed these accounts on my identity theft report as well and would like them removed immediately, they are hurting my ability to obtain credit. I also have fraudulent hard inquiries which include : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, I would like them removed as well.
Product: Debt collection

For several months i 've been receiving XXXX calls a day from PORTFOLIO RECOVERY SERVICES. They claim I owe money, which I do n't. The social security number that they give and birth date are both not mine. I have told them this several times but they still call every day mtltiple times. I have been threatened that people were on the way to my house to collect or kill me the choice was mine. They call from many many numbers so blocking still does n't help. I have tried several times to explane very nicely that I 'm not the person that they are looking for, they still call. This has been going on for months and months. 
PLEASE HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, Equifax announced that they were the victim of a hack that occurred on or about XXXX 2017 that leaked my personal information according to their victim reporting tool at this address : https : //www.equifaxsecurity2017.comXXXX According to this site, and after I sent my identifying information for them to check says that my information has been leaked due to to this hack. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company. It is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives who dumped stock immediately prior to the data breach announcement.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX XXXX, XXXX. I currently reside at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, which is in XXXX XXXX XXXX I am writing this complaint as a Notice of a request for material disclosures, which were not delivered to XXXX XXXX XXXX, XXXX. This information was omitted, and is now being requested. I, XXXX XXXX XXXX, Consumer, am requesting a copy of the XXXX form that was used to verify the identity of XXXX XXXX XXXX XXXX and a copy of the XXXX form. Wells Fargo Bank, N.A., is furnishing inaccurate information onto the consumer reports of XXXX XXXX XXXX, severely oppressing and harming the financial reputation of said Consumer. 

Furthermore, Wells Fargo Bank , N.A . has taken over ( XXXX ) days allowed to conduct a reasonable reinvestigation as to whether the information is accurate and correct. CFPB complaints were submitted to XXXX XXXX XXXX and Wells Fargo regarding this matter, CFPB case numbers : XXXX XXXX As of XXXXXX/XX/XXXX, the time to conduct a reasonable investigation has expired, therefore, this account must be deleted, expunged, purged, and removed from the databases of XXXX XXXX XXXX and Wells Fargo Bank , N.A . Failure to do so is a direct violation of 15 U.S.C 1681i ( a ) ( 1 ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. Please remove them immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

i had sent a dispute letter to all three credit bureaus regarding an account that i did not recognize. after 30 days, i re-imported my credit report into my software and noticed that XXXX and Experian both re-imported this account, however, they changed the name as it appeared and submitted as a new account. How is this possible and is it even legal?? how can you delete something and then resubmit it as a new account??
Product: Payday loan, title loan, or personal loan

On XX/XX/2022, I sent a XXXX XXXX XXXX to Initiate Electronic Funds Transactions to Explore Credit. However, Explore Credit continues to debit my account. The most recent attempt was using an eCheck because those are difficult to dispute with my bank. The date was XX/XX/2022 for the amount of {$330.00}, more than 60 days after I requested that Explore Credit stops debiting my account.
Product: Vehicle loan or lease

Upon returning my vehicle in XXXX of XXXX, my car was inspected and incorrectly labeled as only having returned one set of the keys it came with. This was a charge that was wrongly added to my final invoice which I called to complain about and rectify. Ally called the dealership I dropped the car off at to confirm both keys were returned, which the dealership did confirm both sets of keys were left, but still would not remove the additional fees associated.

Additionally, for months on end, I spent countless hours calling and emailing Ally to get invoices that specifically broke down the remaining account charges. The total of the invoices they sent over were not matching up with my final account statement, and the rep that I had been working with at the time ( XXXX ) stopped responding to me entirely. I called and emailed him over and over again and never heard back. Every time I called I was told a XXXX would have to call me back, only to never hear from them again. Two years went by with no word from Ally after I opened a complaint with BBB, and then suddenly at the start of XXXX I began receiving multiple threatening emails and calls about needing to resolve my account statement. I was given the same run around repeatedly and never given any answers or follow up, and then my balance was forwarded to a collections agency, negatively impacting my XXXX XXXX in a very significant way. I have a 100 % on-time payment history and have never run into any issue like this in my entire life or with my credit history, and now my credit has been destroyed from Allys lack of concern or responsiveness to XXXX of their customers.
Product: Student loan

My boys are both students and they have Federal loans and private loan with XXXX XXXX, MN Self Loans and Sallie Mae. 
Now, with the Covid-19 situation every institution tries to make payments easier on the borrows. 
The Federal Student Aid announces : all payments will automatically stop from XXXX and the interest won't be added to the principal balance during this time. 
XXXX XXXX ( private loan ) announces : we are not required to make any payments for 3 months during the period of Disaster Forbearance and no interest will be added to the principal balance during this time, and if we were enrolled in auto-pay, which we are, we will continue to receive the auto-pay discount during the Disaster Forbearance. 
MN Office Of Higher Education announces : the interest on payments has been reduced to 0 % from XXXX and also they postpone payments up to 6 months. 
Sallie Mae was the only institution which announces : payments and auto payments will be suspended from XXXX but ... 
we are responsible to still pay the interest during this time ( which is very high ) meaning, interest still be added to the existing balance. 
and one more thing ... '' Any interest rate reduction tied to auto debit payments ( which we have ) may be suspended during a forbearance ... '' This means we still make payments since we don't won't to pay more interest then we already pay, in simple works ... they did nothing!!! for the borrows.
Product: Checking or savings account

i have bean consumer for chase bank for long time. on XXXXX/XX/2010 chase closed all my account. I try very hard to know the reason. I never got the reason for that. 6 month ego friend of my. witch she open for me home equity loan. she explain to me. a company under name wide world.witch going law suit for five years. opened a account under my name. and thy do. not legal transaction. no one info me about that. I am stile have closed account. for 13 years I paying monthly payment. I asking to open my checking account my three credit card and my equity loan. I cant pay my bill. the chase bank no take cash. for me this is not easy for to pay my bill.