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

Denied credit due to inaccurate information on credit report. Unauthorized use of credit being reported. 
15US 1684 15US 602 A 15US604 15US1681 15US1692C
Product: Credit reporting, credit repair services, or other personal consumer reports

I Supplied XXXX with detailed information and Legal Federal regulations in reguards to the cares act it took them over 30 days and I recieved back the same results I spoke with a lady on XXXX XXXX @ XXXX XXXX confirmation # XXXX and stated they have to remove this imediatly as Allied Collection has not provided anything relevant to proceed with the negative report XXXX is operating against federal reporting guidelines
Product: Debt collection

I was getting at least 4-5 calls a day for about 5 months, due to my continued debt.

I did understand that I did owe this money, but for the 5 months I wasn't working I could not afford to pay this bill, and have contacted them since then to let them know about my no job situation. I have a least 3 different numbers that i can provide to show how many calls/people were contacting me due to this balance. Although I have been a long standing customer of Victoria Secrete and have always paid my credit card for the past 4 years I have had the card, before the balance got this bad. After it reached this company due to my debt I had a very unprofessional and aggressive conversation with a individual that was threatening to take me to court if i did not resolve this matter that day. There should be phone recorded conversations of this call. I will be providing the company name and numbers that have been calling me. 
XXXX XXXX XXXX # XXXX # XXXX # XXXX
Product: Credit card

I filed a complaint about chase credit card refusing to cancel my annual fee card in 2014. I finally did get a letter and they either did not charge me or they credited back the annual fee. They switched me to a non annual fee card. I had noticed that the computer was full of complaints about chase credit card doing the same to others. 
Today I received a call from a XXXX XXXX who said she was from Chase credit card and responding to a complaint I had filed. She would not tell me what the complaint was or who it was from. However, she asked several personal questions of me. She said this was for verification? Finally I said she should have this information if she 's really from Chase. I explained that any complaint I made was back in 2014. She then checked dates but said she just got it today. I explained to her what the incident had been and that Chase admitted I had called to cancel my card but the transaction had not been completed by their agent. Chase refused to provide copies of the conversation to me. XXXX XXXX then began to argue with me that all their information was proprietary. Hiding any records from the customer. I told her I did not want to continue the conversation with her. 
I am putting Chase on notice that any future conversation from them to me should be done IN WRITING. The call from XXXX became threatening and I had to hang up.
Product: Credit reporting or other personal consumer reports

Please see attached documents. Do not close1 this complaint stating it is not me. I am a natural person and a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Inquiry Date XX/XX/2020 ; XXXX Inquiry Date XX/XX/2020 ;
Product: Student loan

As a cosigner on student loan my credit report was affected. The borrower has been trying to make more payments due to COVID-19. It has negatively affected the cosigners credit score. The cosigner tried make modification on credit score so that it would not effect score. Discovery student loan is not taken in consideration covid-19 pandemic which has caused the borrower to become late with four payments. XXXX. The cosigner is trying to rectify by trying to help to borrower by making substantial amount of payments to become current. However, it still will affect the cosigner and borrowers credit. Due to covid-19 this is an unfair practice to ruin someone's credit score and potential cause misrepresentation of XXXX  XXXX payments. Negatively impacting my credit score without resolving payment status to reflect current credit score. Covid19 was not suppose to let banking instructions make false reporting due to lapse of payments. Government mandated protection against credit reporting institution from reporting late payments. Discover student loans are not following guidelines.
Product: Credit reporting or other personal consumer reports

I was completely taken aback when I saw wrong accounts showing up on my credit report tonight, and I have no explanation for how they got there. I routinely check my credit, but this time, there were sudden discrepancies. I even refreshed my browser, thinking it might be a glitch, but the errors didnt go away. Im asking for a detailed review of the documents Ive submitted, so I can stop worrying about these issues once and for all.
Product: Credit reporting

XXXX XXXX XXXX I disputed this Information via by Mail and again By their webiste. On XXXX XXXX XXXX Experian stated that the information was unchanged and had gotten validated proof from said credit. When asked to furnish these findings via Mail. I got no response yet the Bureau still has this item listed with very inaccurate information. It is still being reported on my credit report when it stated that XXXX XXXX the item would be removed. This company allowed XXXX XXXX to continue to make illegal reports to my credit report violating my civil rights. under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have 'verified ' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of significant concern regarding the unauthorized furnishing of my accounts to consumer reporting agencies by your corporation. As of [ Date ], I have discovered that several accounts were reported without my permissible purpose, leading to a violation of my privacy rights as protected under 15 USC 1681 ( a ) ( 4 ). 
It is imperative for you to understand that I did not grant authorization for these accounts to be disclosed to any consumer reporting agency. Therefore, the actions taken by your corporation not only breached my privacy rights but have also caused me considerable mental and financial distress. 
I would like to draw your attention specifically to 15 USC 1681a ( 2 ) ( I ), which stipulates that any transaction or experience lacking permissible purpose should be excluded from my consumer report. The accounts in question clearly fall under this provision, and I expect immediate action to rectify this egregious violation. 
I demand that you take the necessary steps to remove these unauthorized accounts from my consumer report and ensure that no further unauthorized disclosures occur in the future. Failure to comply with this demand may result in legal action to seek remedies for the damages incurred. 
I anticipate your prompt attention to this matter and a swift resolution. Please confirm in writing the actions you intend to take to address this issue. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX Accounts I would like deleted off the consumer report XXXX  XXXX XXXX XXXX ONEMAIN XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

OLD PHONE NUMBERS AND OTHERS NEVER HAD Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

Someone opened a Best Buy credit card in my name and charged {$3900.00} to it on XX/XX/XXXX. I received the Best Buy card in the mail on XX/XX/XXXX and closed the account on XX/XX/XXXX. I received the bill from Best Buy through the mail on XX/XX/XXXX. Prior to this I had not realized the card had actually been used.
Product: Credit reporting, credit repair services, or other personal consumer reports

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX XXXX XXXX XXXX Date opened>> XX/XX/2016
Product: Credit reporting or other personal consumer reports

I paid {$3700.00} cash to a teller to pay my mortgage on XXXX of XXXX before the cut off day on XXXX every month, but I got remarked " missing payments " in the result, my credit score got decreased XXXX points. I went to the branch 3 times, and called customer service number 4 times, the first 3 times I got hung up after waiting about 20 minutes. They all told me that they will notify their manager, and have the manager call me in 3 business days, but no one called.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and I have found the following items listed below to be in error. These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on this account please update the account as Paid/Current. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX days of receipt of this letter.
Product: Credit card or prepaid card

I have reached out to Discover multiple times for MONTHS now letting them know that this account was opened via identity theft and without my consent but Discover mails me back a thick packet of transactions and billing statements which does not solve the problem of the account being open and still on my credit with a balance over {$3000.00}. This has horribly impacted my life for almost a year now because I am unable to get anything that asks for my social security number because this has not been resolved due to negligence on Discover banks part. I would also like to add that they have broken MANY laws by avoiding the problem. Hopefully, this will now be resolved so that I can move on with my life! Thank you.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX ; XXXX XXXX XXXX  XXXX ; has violated my rights. 15U.S.C. 1681 Section 602 A States I have the right to privacy. 15 U.S.C. 1681 section 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 15U.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 more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This account is currently in litigation and has been for several months. XXXX XXXX XXXX allowed someone to create another line in my name and get a phone not once but multiple times. Identity theft. I have reached out to XXXX XXXX XXXX  to resolve issue but Ive been threatened by them for non payment. I reached out to a lawyer and the account is currently under litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 ( a ). States I have the right to privacy 15 U.S.C. 1681 Section 604 ( a ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

XXXX is attempting to enforce a cancellation penalty that was never agreed to. I've contacted both XXXX and Convergent requesting documentation that establishes an agreement between myself and XXXX including cancellation fees. No such documentation exist, and thus has not been provided. Despite these request I continue to receive debt collection efforts by Convergent.
Product: Payday loan, title loan, or personal loan

I have been a customer of Ace Cash Express for many years and I have never experienced this problem with this company before. I have tried for three days to get someone to correct this problem, but I keep getting the runaround and different responses from different people I talk to. 

I took out a payday loan in the amount of {$1200.00} which was deposited into my checking account on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I refinanced the loan and paid the fee of {$240.00}. On XXXX XXXX, XXXX, I refinanced the loan again and paid the fee of {$230.00}. However, now when I logged into my account online it says my current fee has now gone up by nearly double the amount and it is {$420.00}. 

I called three days ago to inquire about why my current fee had now nearly doubled and one lady told me that in the state of Ohio the APR can go as high as 5 % and my APR jumped from 2 % to 3.5 % when I refinanced, however, I do not find this APR information on my refinance documents, and I do not recall seeing this on the refinance loan documents I digitally signed. 

I have never had this happen to me with Ace so I was n't expecting my fee to nearly double. I called and spoke with " XXXX '' and " XXXX '' and they both told me that " corporate '' was investigating my account to find out why my fee when up so much and someone would be calling me back noon three days ago, or yesterday, but no one has called me back and every time I call, I get a different explanation of what is going on. 

Additionally, on the company 's website you can clearly see the Ohio Department of Commerce 's  rates and fee schedule and for the amount of loan I took out, on this schedule, it shows my fee should be around {$200.00}, not nearly {$500.00}. 

I am concerned because XXXX XXXX, XXXX is coming soon and Ace is either going to expect me to pay over {$1600.00} to pay this loan off in full or to pay another extension fee but this time instead of around {$200.00}, they are wanting nearly {$500.00}. 

I do not think this is fair because their fee/rate schedule for the state of Ohio that is listed on their website is not reflective of what they are charging me in their refinance documents. I have never seen a fee like this double being a customer with Ace. I would like this corrected immediately.
Product: Checking or savings account

My name is XXXX XXXX I am a square user and I've used square to process payment for my XXXX XXXX business. My email address with Square is XXXX On XX/XX/XXXX, Square deactivated my account and told me I would only be able to have access to my money on XX/XX/XXXX. 

Up till now, I have not received email from Square stating that I can withdraw my money. They have stolen my Money and kept it for themselves. 

I have tried several times to resolve this issue with this company but they said that I should go to XXXX that they won't give me back my money as said by a square employee on XXXX. 

I have contacted square on XXXX and also sent email and they said they will not give me back my money. 

I want to receive an email to withdraw this money and I also need an apology from Square. I have attached a copy of email from square which they said my funds would be available from XX/XX/XXXX, but they have not honored that agreement. 

The email address associated with my Square account is XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have sent this company a letter to validate the alleged debt. The company failed to do so. I have disputed this account numerous times, but the reporting agencies do not seem to be investigating these reports on my behalf. Since they have not responded to my letter of validation, I have sent them a letter requesting a removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid to settle on a discover account on XX/XX/XXXX. Experian refuses to update my account,
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$6200.00}, {$10000.00}, {$16000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response o utlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXXXXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

4. XXXX XXXXXXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Information on my Credit Report XXXX XXXX XXXX XXXX XXXX XXXX  # : XXXX Opened : XX/XX/XXXX Balance : {$0.00} I am a victim of identity theft and I never opened this account. 

XXXX XXXXXXXX XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$240.00} This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX XXXX  Account # : XXXX Opened : XX/XX/XXXX Balance : {$1800.00} This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX Credit Card Account # : XXXX Opened : XX/XX/XXXX Balance : {$420.00} This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Collection account from XXXX Account # : XXXX Balance : {$310.00} Original Creditor : XXXX XXXX I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Collection account from XXXX Account # : XXXX Balance : {$960.00} Original Creditor : XXXX XXXX I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Furthermore, I would like to dispute the following unauthorized inquiries : Inquiry from XXXX Date : XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

[ Other Inquiries- list them similarly as above ] [ Explain the discrepancies and request their removal. ] I kindly request that you conduct a thorough reinvestigation into these matters and provide a written response. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 an inquiry was placed on my XXXX report by this company that I do not recognize. I would like to request to have this inquiry removed ASAP. Otherwise please show signatory proof that I in fact did apply for this account.
Product: Credit reporting

I AM FILING THIS COMPLAINT BECAUSE TRANSUNION HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USE TO VERIFY THESE ACCOUNTS. ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : UNKNOWN ACCOUNT NUMBER : XXXX ACCOUNT NAME : UNKNOWN ACCOUNT NUMBER : XXXX ACCOUNT NAME : UNKNOWN ACCOUNT NUMBER : XXXX ACCOUNT NAME : UNKNOWN ACCOUNT NUMBER : XXXX UNDER SECTION 611 ( 5 ) ( A ) OF THE FCRA- THEY ARE REQUIRED TO 'PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED '' THAT I HAVE DISPUTED. PLEASE RESOLVE THIS MATTER AS SOON AS POSSIBLE. I SENT IN A THEFT REPORT NOTARIZED AND A COPY OF MY DRIVER LICENSE AND COPY OF MY SS CARD