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

XXXX XXXX claims they have conducted a proper investigation into my dispute concerning a XXXX charge on XX/XX/XXXX XXXX for {$1000.00}. SInce I have also Disputed a 2nd XXXX Charge from XX/XX/XXXX in the amount of {$640.00}, which somehow was placed on my credit card days after I had placed a block on my card. 

Here are my request : The complete unredacted file XXXX XXXX compiled concerning my first dispute. XXXX XXXX MUST provide me with the dates of all contact they made concerning my Dispute of the XXXX charge for {$1000.00}, who they spoke to, the information they used to conclude they would not remove this charge from XXXX. I am also including a recording of the phone call I had with XXXX Representatives when the rental car broke down. If XXXX XXXX did a proper investigation they would have this recording. 

As for the 2nd XXXX charge : I called a XXXX XXXX representative on XX/XX/XXXX to close this credit card, the representative talked me out of closing the card claiming he could place a block so that no more charges would go though. I agreed to the block. Yet incredibly a charge from XXXX for {$640.00} was allowed to go through. How is that possible? 

I believe XXXX XXXX violates the FCBA and the FCRA by not actually conducting proper investigations. As a result XXXX XXXX reported an inaccurate balance to the credit bureaus which actually had my account over the credit limit. My credit score dropped over 20 points and I was denied credit for a XXXX lease on XX/XX/XXXX XXXX. See attached Now I have actual damages and will be included in my lawsuit
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiry was made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXXXX/XX/year>, the amount of {$920.00} has been reporting as **charged off I never received a 1099c form from this creditor The company is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX are falsely reporting that I am ( 120-180 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Passport for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX
Product: Credit reporting or other personal consumer reports

Family member stole my identity and opened up 2 credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear, Im XXXX years old and trying to refinance my home but there are two disputes on my credit report ( XXXX  ) that never go away and XXXX XXXX handling of disputed tradelines ( XXXX ) I dont have an account with them and B of A Can not find either but the last accounts number XXXX and XXXX And can caused financial injuries if I can not refi. 
Please see attachment
Product: Debt collection

I have 2 collection accounts on my Equifax credit report. One of them has been addressed on my XXXX report but it is still reporting on my Equifax. The 2 accounts are XXXX XXXX and XXXX XXXX XXXX. I have reached out to them by certified mail but no response. I have no accounts with them and no knowledge of the account. They never gave me proof that the debt belonged to me. No signed contract or anything with my signature attaching me to the debt. They have only harrassed me with payment. I am asking that these items be removed from my Equifax report immediately. I have already reached out to XXXX as well. I am sorry that I had to go this far to address this matter but thank you in advance
Product: Debt collection

I filed a complaint with Consumer Financial Protection Bureau on XXXX XXXX XXXX XXXX this company did not reply to my complaint instead they sold thus account to West Coast Realty Services. XXXX XXXX sent me a letter on XX/XX/2020 informing me this account had been assigned to West Coast Realty Services. I have not received any communications from this company and they have not returned any of call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone ran my credit without my permission and dropped my score XXXX points!! 
XXXX, TransUnion, and XXXX I'm at a low score of XXXX and less than a month ago was XXXX score. I want to refi my house due to this plandemic and now a war, through no fault of our own! I need to get my points back up.

I can list all the codes those people are violating : 15 USC 1681b.

15 USC 1681c-3, many more I need everything derogatory and negative removed, please...
Product: Credit reporting or other personal consumer reports

I requested the information for the account, because, it was reporting differently across the XXXX major credit agencies XXXX XXXX XXXX XXXX XXXX XXXX. The reply received was that, they could not find any information on the account with the information provided directly from the reports and wanted me to give them all of my current identifying information. I have disputed this with the XXXX XXXX XXXX XXXX agencies and it would come off the reports and be put back on XXXX almost immediately and cause a major point difference. None of the information was reporting the same to the agencies, from the current balance, date opened, type of loan and they would put it on the reports with two different company names : " World Finance Co '' and/or " World Acceptance Corporation XXXX XXXX 
The account was charged off as bad debt in XXXX XXXX of 2017 with a balance of {$250.00}. The balance is currently {$470.00} that was reported on XXXX XXXX of 2023. World Acceptance Co has been increasing the balance on this by {$2.00} or {$3.00} either per month or multiple times per month which damages my worthiness and ability to continues to provide for XXXX XXXX. There was a comment on the XXXX report before they removed this account stating, " The balance of {$250.00} was charged off and the current balance is {$470.00} ''. 
I have requested disputes from all three XXXX XXXX XXXX of the major agencies, however, this account continues to report incorrectly and on XXXX and has been removed from XXXX. 
I have attached one of the credit alerts I received from one of the agencies, while after communications with the credit agency where they changed the balance to what was reporting {$450.00} to {$200.00}, then within a day or two, it the balance was updated to approximately a little over {$450.00} as the new balance. This made my credit worthiness go up a few points, then, when they added the balance back, it plummeted looking as this was new charges.
Product: Debt collection

On XX/XX/XXXX, I received an email from Sequium stating that they were contacting me to collect moneys owed on a XXXX account. I emailed and called Sequium to notify them that I dispute that I owe any amount to XXXX. As background, I purchased a new home and attempted to obtain internet services for my home. After weeks of delays, I contacted XXXX and they indicated that there was an issue scheduling the service connection. I was then mailed equipment to my home that I was supposed to be able to connect, but could not. I contacted XXXX again and was told that a technician would need to come to my home. When the XXXX technician visited, he recommended that we NOT use XXXX 's service because XXXX was not available in our neighborhood ( with older homes ) and the size of our home would result in poor connectivity. I then ordered services from XXXX, which I have now had since late XX/XX/XXXX. In sum, I never had XXXX XXXX. I have called, emailed and chatted with XXXX reps and shared this information multiple times. Not only have I not received a refund for the deposit I paid, I am not having to deal with a debt collector for amounts I do not owe.
Product: Debt collection

XXXX  hired a company to collect fraudulent debt I never owed. They stated I didn't returned equipment I did return.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all XXXX XXXX, and Transunion about items on my credit report that are incorrect. Its been a month and I haven't received a response. I'm a single mother that is trying to by my family a home and this is the only thing i have left that is stopping me in the process.
Product: Debt collection

i have a collection account opened XXXX XXXX, 2017, Amount XXXX i recently have gone through financial hardship. I have explained to them my situation, i have very little experience with collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demanded verifiable proof be submitted to the consumer in writing. In the form of testimony ( via affidavit ) given by trained personnel described in Section 610 ( a ) ( 1 ) [ U.S. Code 1681h ], pursuant to Section 609 ( a ) ( 1 ) [ U.S. Code 1681g ]. These claims have NOT been substantiated by the alleged creditors. 

Failure to positively verify these accounts now constitutes malice and willful intent to cause injury and suffering to the consumer and causes damage to my ability to obtain credit. 

Under the FCRA, as these accounts have failed to be substantiated, they now must be removed. 

I demand the following accounts be removed 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block the items that were 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. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$10000.00}, XXXX XXXX XXXXBalance : {$3200.00}, XXXX XXXX Balance : {$1500.00}, XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$830.00}, XXXX XXXX XXXX Balance : {$2100.00}
Product: Credit card or prepaid card

THIS LAST YR THIS COMPANY XXXX CHARGING ME {$39.00}, I CALLED THEM AND THEY SAID I SUBSCRIBED SOMETHING THAT CAN INCREASE MY CREDIT SCORE, BUT I DONT EVEN REMEMBER, I TOLD THEM TO CANCELLED BUT STILL CHARGING MY DISCOVER CREDIT CARD, AND I ALWAYS DISPITED IT.I DIDNT NOT AUTHORIZE THEM BUT STILL CAN STEAL MY ACCOUNT.THEY HAVE A LOT OF WEB SITE NAME LIKE : XXXX XXXX, XXXX, XXXX. XXXX XXXX, AND MORE WITH THE SAME AMOUNT {$39.00}
Product: Credit reporting, credit repair services, 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 XXXXXXXX : # XXXX, XXXX XXXX XXXX  : # 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 a account without my written instructions 15 U.S.C 1681c. ( 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer lo any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

There is a phone bill for XXXX XXXX on my credit report that was never opened. Its been there for years and has hurt my credit and ability to get credit. I have disputed it 4 times, called the collection agency 2 or 3 times. Called XXXX who verified the account was never executed.
Product: Credit reporting or other personal consumer reports

I discovered again that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account with, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2 : it also state a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I have been receiving countless certified letters and phone calls from Pressler and Pressler stating I owe them for old debt. This debt was charged off by the original creditor and sold to them for pennies on the dollar. I have attempted to speak to them about the matter multiple times without success. I asked for them to provide me with the original signed contract, a copy of a statement, and the exact charge off amount, and have yet to hear anything in reply!
Product: Student loan

Hello, I graduated from XXXX University several years ago. I received a private loan from Chase. In XXXX of 2015 I lost my job due to election. I requested assistance. I received 2 months of deferred payment. When I requested additional help I was told inaccurate information. I made several phone calls requesting assistance and was informed I should call back in a month to see if I qualify for other programs. When I called, I was informed I defaulted. When I explained that I was following the instructions of their representatives they explained that I should write a letter to the lender requesting assistance, send the letter to them, and they would forward it the lender. Again, I did as instructed. The response from the lender was a an accelerated bill stating I owed the full amount of the loan.
Product: Credit card or prepaid card

Chase telephone customer service outage today - tried 10 customer service numbers for various cards - all lines were busy or out of service. Chase clearly has not implemented an effective backup plan. 
What happens to customers who are stranded somewhere and have a card problem? What happens to customers who want to report a stolen card? 
What happens to customers who need service? 
Chase is a large bank that should have backup systems and a business continuity plan in place in anticipation that an outage may occur.
Product: Credit reporting or other personal consumer reports

Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had Two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of ( XX/XX/2023 ) and XX/XX/2023 Please investigate and provide proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late.
Product: Debt collection

Upon inspecting my most recent credit report, I identified several accounts that I did not open. I demand these be removed immediately as they are incorrect and unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection on my credit report identified as XXXX XXXX. This account was transferred to a company called XXXX  and later to a company referred to as XXXX. In the process of buying my home we attempted to pay this debt and contacted all three companies and were told my file did not exsist. We did dispute the account with all XXXX  credit bureaus with all three saying the debt was valid. We disputed three times asking for proof of debt for information on how the debt was validated and got no response from on bureau other than the debt was valid. To close on the mortgage our lender said the debt must be paid so under direction of XXXX  they said the debt would be deleted from my credit report once a check was sent to a company called XXXX. XXXX did provide us with a file number after multiple phone calls. After waiting for a significant amount of time we called XXXX  to see when this trade line would be removed from my account their response was we cant find that fine so we dont know what happened to the check and we dont know how to have it removed. Therefore we have paid a debt with an agreement to have it removed from our credit report asked yo have the debt validated along with XXXX others on our report and not a single one to this day has been validated by a single person we have requested this from. So we are requesting this trade line that has been paid be removed immediately and the XXXX others that they can not validate be removed as well.
Product: Credit reporting or other personal consumer reports

Starting on XX/XX/year>, I have written multiple letters asking why is a company called XXXX XXXX showing an account on my credit reports. I have asked them directly to verify this alleged account and they have refused. This is not my account. 

XXXXXXXX XXXX XXXXXXXX Account # XXXX...
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was notified through Equifax that I may be affect by a security breach at that company. The security breach occured on XX/XX/XXXX and I was not notified until XX/XX/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 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 a account without my written instructions 15 U.S.C 1681c. ( 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. 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: Credit reporting, credit repair services, 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 XXXXXXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX # XXXX has violated my rights. 


15 USC 1681 Section 602 A states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without written consent.
Product: Checking or savings account

Check ( XXXX ) was deposited in ATM and was instantly put on hold for 10 days. I called chase and they informed me the check needed verification and would be available as soon as that happened. They said if the check was good it would clear the 10th day regardless. The hold on the check completely froze my account and I had no access to funds for food, phone, rent, children, gas. It was a terrible situation that hasn't been resolved and they are still holding my check of XXXX  and refuse to help. And also terminated my account.
Product: Debt collection

XXXX, a debt collection agency, is trying to get me to pay the {$160.00} I paid to Affirm through a different XXXX  party collector called XXXX. I called the debt collection agency advising I had already paid the {$160.00} and even sent the copy of my resolution with Affirm from my complaint with the CFPB. However XXXX has ignored this and my receipt from XXXX advising that I do not owe Affirm for the account XXXX.