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

Sagestream is hereby referred to as The Company. XXXX XXXX is hereby referred to as The Consumer. The Company is reporting bankruptcy case number XXXX as belonging to The Consumer. The Company claims to have verified said bankruptcy via a public records database named XXXX, but the address listed on the XXXX database does not belong to The Consumer, nor does it match the address listed on The Consumers, consumer report. The Consumer has already disputed the address on the above mentioned bankruptcy with The Company and is awaiting response.

The Company has also violated a multitude of The Consumers consumer rights based on FDCPA, TILA and the FCRA doctrines.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX / XXXX / 2017 ,  CHASE CARD i nquired into my various credit files without my authorization or knowledge. They subsequently contacted me and advised me that a fraudulent application had been submitted in my name, they caught it in time, and were deleting their various inquiries " promptly. '' It is now  XXXX  and the fraudulent inquiries remain despite numerous calls to them and assurances in turn that this would be done. Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made XX/XX/XXXX. 
I contacted XXXX XXXX XXXXXXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter.

Very Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

American Honda Financial Co reports debt over seven years old on report. 

I have asked them to remove but they have not The account was closed in 2015. It has been seven years and I would like the account removed from my credit report Thank you
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XX/XX/XXXX Equifax XXXX XXXX  XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX, Account : XXXX XXXXXXXX XXXX XXXXXXXX, Account : XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ), Account : XXXX
Product: Debt collection

XXXX  XXXX XXXX purchased {$600.00} medical bill originally from XXXX XXXX XXXX which is 4 years old was paid by insurance. 


this company keeps trying to collect on debt that were paid in full by insurance.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of identity theft resulting from a data breach, and my personal information has been compromised. As a result, several fraudulent accounts and unauthorized inquiries have appeared on my credit report without my consent. 
Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and permanent deletion of the following accounts and inquiries from my credit file. 
XXXX Accounts to Be Deleted : XXXX. Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. Creditor : XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX. Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$310.00} XXXX. Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$620.00} XXXX. Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX. Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$950.00} Unauthorized Inquiries to Be Deleted : XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Product: Credit card

XXXX XXXX Mileage Plus Explorer Card is through Chase Bank. XXXX / Chase offers XXXX bonus miles " after you spend {$1000.00} on purchases in the first three months from account opening. '' That statement is on an advertisement on the wall of every airport that XXXX XXXX serves, it 's on the brochure in every seatback, and it 's on the card 's website. ( The link is too long to post. Just XXXX " XXXX XXXX Plus card. '' The first thing you see is the XXXX bonus mile offer. ) We more than met the requirement. When the points were not added to our account I spoke with a Chase rep ( name of rep and date of call available ) who looked at our card usage, agreed we had met the requirement, and attempted to get the miles credited to our account. In response I received a letter XXXX XXXX from XXXX XXXX, Customer Service Specialist at Chase who denied that we had met the requirement. That precipitated my second call ( name of rep and date of call available ). The rep agreed we were entitled to the bonus miles and said that she was going to use a different " channel '' at Chase to get the points credited. A second letter from XXXX XXXX, Senior Financial Service Specialist XXXX arrived XXXX XXXX. This one said " As previously advised we only consider MATCHING BETTER OFFERS ( emphasis added ) within 90 days from the open date. Since you were outside of that timeframe, I regret that I am unable to take further action regarding the enrollment offer you requested. '' Please note : my complaint has nothing to do with " matching a better offer. '' XXXX XXXX has the wrong account in mind or something. 
I called XXXX XXXX six times at different times of the day from XXXX/XXXX/16 to XXXX/XXXX/16. Each time I had to leave a message. XXXX XXXX never returned my calls. 
I am exceedingly provoked by Chase attempting to stiff me, and by XXXX XXXX refusing to answer my calls. What 's the point of a Service Specialist putting a phone number with the hours he takes calls at the bottom of his letter if he does n't return calls? 
All I want however, is for Chase to honor the offer that they made. 
A check box below asks how much money we lost. We have lost nothing out of pocket, but XXXX miles will fly me or my wife to California and back -- which is worth about $ XXXX. One of the reasons we signed up for the card was the offer, so in that sense they are defrauding us of as much as {$500.00}. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made numerous phone calls and letter to XXXX XXXX  and to the credit bureaus such as Experian and XXXX. XXXX XXXX  has been reporting an non data information to these credit bureaus listed above for the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX. In event of the information being erroneous and out-dated, I have been experiencing a amount of XXXX  and XXXX   due to my current status of a home loan. I was denied credit due to the non- data information on my credit report. On these dates above, supposedly should be representing is ( payments on time or OK status ). My credit is very important to me and has been working very diligently towards this situation. I am requesting that XXXX XXXX, Experian, and XXXX  please work together in correcting this issue.
Product: Money transfer, virtual currency, or money service

I field a dispute with cash app because {$420.00} was tooking out my account with out my knowledge or authorization they denied my dispute but clearly saw my account was changed to were I couldn't get in I followed ever last step but still did not get any Justice my money was stolen from me
Product: Credit reporting, credit repair services, or other personal consumer reports

CCS is reporting two debts in my name ; and on my credit report. One for The General Insurnace and the other for XXXX XXXX XXXX XXXX. Both of these are fraudulent. I did not sign up for these services. CCS, the XXXX and XXXX XXXX have all failed to provide documentation to verify this is my debt. I asked for a signed agreement, invoice, payment history, etc. I have not received any verification, other than CCS telling the Credit Bureau that they are " verified. '' Please have CCS remove this from my credit report as IT IS FRAUDULENT. My original dispute was filed on XX/XX/2023. I plan to file a lawsuit XX/XX/2023, if this is not corrected.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I look at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow the reasonable procedure to assure maximum possible accuracy of the information concerning that individual about home report relates according to 15 USC 1681 ( e ) ( b ).
Product: Credit reporting or other personal consumer reports

Re : Dispute of Inaccurate Information Pursuant to 15 U.S.C. 1681i ( a ) I am writing to dispute the accuracy information that appears on my credit report. Pursuant to my rights under the Fait Credit Reporting Act ( FCRA ), Specifically 15 U.S.C. 1681i ( a ), I am requesting to reinvestigation of the following item : Service Finance Company Description of Inaccuracy : Charge off reporting every month I believe that the information listed above is inaccurate and does not reflect my true credit history. In accordance with 15 U.S.C. 1681i ( a ) I kindly request that you conduct a reinvestigation of this matter to determine the accuracy of the disputed information.

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law.

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Checking or savings account

Hi I recently filed a dispute with chime for {$8300.00} from unauthorized transactions. I provided all necessary documents including a police report. They kept closing my claim every time it was time to get my temporary credit just so I can refile the claim and the dates of the investigation would be pushed back to later dates. I showed them where there was no way I couldve made the transactions because I didnt have an account with the merchant. They closed the dispute on XXXX XXXX because it was the claim was re categorized to cancelled tranactions. So I filed a rebuttal claim on unauthorized transactions on XXXXXXXX XXXXand it was ongoing til XXXX then denied becaues of the claim filed on XXXX XXXX that stated it was cancelled transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. this is not a regular dispute I have filed a complaint with the federal trade commission and XXXX XXXX XXXX  because to my knowledge I do not recall any of these accounts. I need this problem fixed asap i will not wait another 50 days to receive no response because dearly yawl ignoring me. i demand these accounts be deleted immediately or ; will file for litigation due to the stress you caused me. Section 611 ( a ), it is plainly slated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 50 days so they should be deleted promptly. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Student loan

Approximately 9 years ago, I started working a XXXX at the XXXX. As a result, I could my student loan provider ( XXXX ) and asked them if I qualified for the public service loan forgiveness program, and I was told that I did not because it was only for XXXX. I also asked if I should consolidate my loans, and they told me that I should n't because my interest rate would go up. I called several more times asking about the public service program, and was told each time that my job did not qualify. I recently discovered that multiple people in my office are in this public service program and was directed to apply for it directly with the department of education, which I did. I then got a letter from the department of education stating that my job qualified but my loan type did not, and had I consolidated my loans they would have qualified. I have since called XXXX and found that they have records of all my call history that support what I have explained, but they have denied me and my lawyer access to these records we have requested. I estimate that the miss-information provided me by XXXX ( which is a contractor acting on behalf of the department of education ) has cost me about {$25000.00}. I am currently trying to get ahold of my call history because Senator XXXX XXXX has promised to try to help me get this issue resolved with the department of education since I was miss-informed by one of their contractors. I would like this to be resolved and either the XXXX or the department of education be held responsible for this misinformation. XXXX has argued that it was not their responsibility to inform me of what loan programs I qualify for and that I am responsible. I disagree with this argument for two reasons : 1 ) XXXX was acting as a contractor for the department of education servicing student loans, and as a result should be expected to understand student loan programs offered by the department of education ; and 2 ) if XXXX was not informed about the public service program or was not responsible for providing information about this program, they should have told me so to begin with rather than giving me incorrect information that I then made important decisions with. Now because they know they are responsible, they are denying me access to my own account information. Please help make this right for me.
Product: Debt collection

I previously disputed this account stating I never had a contract with this debt collector for any debt. I asked them to please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect or delete this account. I also asked them to mail proof of the investigation of the debt .I still have not had any response.
Product: Credit reporting or other personal consumer reports

PLEASE DELETE THE FOLLOWING INQUIRIES XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I used PayPal to make a transaction with someone I did not know. I sold them an XXXX for {$750.00} and used PayPal because everyone told me it would be secure and safe and PROTECTED. The other party told me to request the money from him and gave me his PayPal so I did that and the other party met me to pick up the XXXX. All was good. However later PayPal told me the party told his bank it was an unauthorized transaction and PayPal and the other party 's bank are siding with the the other party ( clearly a scammer ). This person is clearly doing this to multiple people and trying to scam us ( in my conversation he was asking if any of my friends were selling XXXX too, I didn't think anything of it at the time ) so now the other parties bank AND PayPal are protecting this scammer and leaving me responsible. PayPal has made my account negative XXXX by adding an additional inconvenience charge and stealing {$84.00} that a family member had transferred to my PayPal account. PayPal should not be leaving me held responsible for this scammer and they should not have taken back the {$84.00} sent to me from a family member. I have attached the PayPal screen shot and conversation notes with the scammer/ other party. Clearly PayPal is not a safe and secure site to make transactions and does not clearly state you need to take additional steps to protect yourself.
Product: Credit reporting or other personal consumer reports

XXXX XXXX BANK XXXX {$500.00} XXXX JPMCB CARD SERVICES {$1000.00} XXXX GMFINANCIAL {$5100.00} XXXX XXXX XXXX XXXX CAPITAL XXXX XXXX ALLY FINANCI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint of Unauthorized Access to Credit Report and Identity Theft Dear Sir/Madam, I am writing to formally lodge a complaint against TransUnion regarding unauthorized access to my credit report, which I believe constitutes a clear case of identity theft. 

Recently, I discovered that TransUnion accessed my credit report without my written consent for employment purposes. This unauthorized action is not only a violation of my rights but also a severe breach of trust, as I never granted permission for my information to be accessed or used in this manner.

Furthermore, I have noticed that positive accounts, which are in good standing and show no late payments, have suddenly been deleted from my credit report. I have attached copies of TransUnion 's credit reports obtained from XXXX XXXX and XXXX, which clearly show these accounts before their deletion. This abrupt removal of positive credit history is alarming and unjustifiable.

I urge the CFPB and FTC to investigate this matter thoroughly. I demand that TransUnion provide a complete explanation for their actions, restore my deleted accounts, and ensure that my credit information is accurately reflected.

Please find attached the necessary documentation supporting my claims. I appreciate your prompt attention to this serious matter, and I look forward to your response.

Sincerely,
Product: Student loan

XXXX is refusing to refund my money after duping me into beleiving I signed up for XXXX but in reality it was a student loan. The company Ascent Funding has refused to discharge the loan as well saying it was something else whe it was clear XXXX said it was an XXXX
Product: Debt collection

Stay away from XXXX hospital in XXXX, NY, which is giving all of the bills to NPAS! NPAS Inc sending bills asking to process the payment, I process the payment according to the instruction on the bill, obtain the confirmation number, and then in about a month they send a bill as a final opportunity for you to process the payment and threatening to send to collection because they are unable to locate the payment, although the payment was processed and the amount was cleared from the bank. I call NPAS and they give bad communication and hang up on you when you ask them to resolve the issue over the phone by providing the detailed information about the cleared payment in the bank.