23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I thought I was buying concert tickets from a private seller and felt comfortable doing so thru Chase bank as they promote XXXX as a quick pay option. On XX/XX/19 I sent {$100.00} to a seller. I never received the tickets. I called Chase 4 times that same evening and got 4 different responses. In the end evn though it still shows pending in my account they are saying there's nothing they can do.
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking of Debt bondage and would like for all listed accounts to be BLOCKED AND DELETED COMPANY XXXX XXXX XXXX, XXXX, AND EQUIFAX. SOCIAL SECURITY NUMBER XXXX, XXXX. XX/XX/1983, NAME : XXXX XXXX XXXX. 

ACCOUNTS : XXXX # XXXXXXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Deletion of Collection Account ( XXXX XXXX XXXX ) Dear Sir/Madam, I am writing to request the removal of a collection account listed by XXXX XXXX XXXXXXXX from my credit reports with XXXX, TransUnion, and XXXX. The account in question has been removed from my XXXX credit report, and I am requesting that you take the necessary steps to ensure it is also removed from your records. 

Here are the details of the account : Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : XXXX Date Opened : XX/XX/XXXX Date Reported to [ XXXX/TransUnion/XXXX ] XXXX XX/XX/XXXX XXXX per the Fair Credit Reporting Act, I am entitled to request that incorrect or outdated information be removed from my credit report. Since this account has been removed from my XXXX report, I believe it is appropriate for it to be removed from your reports as well. 

I kindly ask that you investigate this matter and delete the account from my credit file. Please notify me in writing once this action has been taken. I have attached a copy of my XXXX credit report that reflects the deletion of this account for your reference. 

Thank you for your prompt attention to this matter. If you require any additional information or documentation, please do not hesitate to contact me at the phone number or email address listed above. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On my TransUnion credit report, there is an entry for a XXXX  XXXX bankruptcy filed on XX/XX/XXXX, which shows a {$0.00} balance and discharged status. However, I believe this entry contains inaccuracies or outdated information that need to be investigated. Specifically, the filing details, court records, asset amounts, and discharge date may not be correctly reflected on my report. Under 15 U.S.C. 1681i, I request an immediate investigation of the accuracy of this bankruptcy. If TransUnion can not verify all aspects of this bankruptcy filing, I request that it be removed. Additionally, this entry is significantly harming my ability to recover financially, as it is negatively impacting my creditworthiness despite the steps I have taken since the filing. This inaccurate entry, along with multiple unauthorized inquiries resulting from identity theftsuch as inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to be removed. I have attached the FTC Identity Theft Report and a police report to support my identity theft claim. I request the immediate removal of the bankruptcy and the unauthorized inquiries from my credit report in compliance with the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found several serious inaccuracies that have caused me considerable distress. The items in question are unverifiable, invalidated, and inaccurately reported, which directly contradicts the requirements of the Fair Credit Reporting Act ( FCRA ). 

Under FCRA Sections 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), all information on my credit report must be reported accurately. Unfortunately, your agency has failed to ensure that these accounts meet this standard.

I have attached copies of all correspondence sent to your agency regarding these inaccuracies. I request that you promptly investigate these discrepancies and take necessary actions to correct my credit report in accordance with the FCRA guidelines. 

This situation has caused me significant emotional distress, and I trust that your agency will address this matter with urgency and diligence. 

Thank you for your prompt attention to this issue.
Product: Credit reporting or other personal consumer reports

Inaccurate payment information on several revolving accounts. XXXX, XXXX, & Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$660.00} XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$200.00}
Product: Credit reporting or other personal consumer reports

I had the same problem with both Transunion and Equifax. I spent a lot of time on the phone with each company. It was pretty much the same problem with each. They were unable to help me sign into my accounts. They were however able to confirm that my accounts still had freezes placed on them. Getting to a person who could confirm the information took a lot of time. 
When I initiated the freezes in XXXX  it was simple to log into their sites and view my information. Something very troubling has changed.
Product: Credit card

I had fraudulent charges on my credit card. 
Capital One has had employees tell me different things which included the ability to re open the dispute and that the date coorespondence needed to be received by was not important. 
I provided information to them within 60 days of the charges and disputes but because I opened the disputes up in XXXX, I am not eligible for protection. The policy has changed from Employee to Employee and nothing is clearly a policy but discretionary. In turn, False advertising. 
As of Today, I now have been told differently and denied assistance by Capital One as they are not helping whatsoever with the fraudulent charges. Their employees are all saying different things and the consistency of information, policies or Fraud liability help does not appear to be as advertised. 
Their reasoning is solely based on me not delivering further information within 14 days when again, representatives at previous conversations explicitely stated the dates are irrelevant as long as it is within the 120 day period. 

I spoke to Visa and Visa says the policy is Capital One 's individually but Capital One does not have any sort of policy in writing and has not trained their employees to communicate accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX Balance Owed : {$210.00} ; XXXX  XXXX Balance Owed : {$440.00} ; XXXX XXXX XXXX Balance Owed : {$7100.00} ; XXXX Balance Owed : {$0.00}.
Product: Debt collection

I tried to report a hard ship with capitol one and also XXXX XXXX XXXX and neither responded
Product: Credit reporting, credit repair services, or other personal consumer reports

This account with XXXX XXXX XXXX is reporting inaccurately on my credit report I have sent disputes to the credit bureau that have been flat out ignored in the months of XXXX & XX/XX/XXXX. The account states that it has not been disputed which is absolutely untrue because it has been removed from XXXX and I have sent disputes in three times Ioan understand the mail not getting there once but not three times. The account is showing an inaccurate date of last payment it reflects XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( Equifax ) but according to the rep I spoke to XXXX the account was last paid on XX/XX/XXXX. The account also reflects a payment status of 90 days late but the account was paid off and made current. On XX/XX/XXXX I requested that XXXX XXXX send me information about this account directly but they have yet to respond to my request and my growing frustration has encouraged me to start filing complaints.
Product: Credit reporting or other personal consumer reports

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date of last activity is inaccurate, and the date last reported is not accurate. Among other inaccurate factors. This is grounds for removal. They also violated my rights under 15 USC 1681 section 602A states I have the right to privacy. 15 USC 1681 section A sec 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) section states that no consumer reporting agency may make any consumer report containing any of the following items of information. 15 USC 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. Equifax, XXXX and XXXX are governed by USC 1681. They have violated my rights numerous times. I demand the accounts/Inquiries below be removed immediately per my instructions enclosed :
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the fair credit reporting act XXXX Account xxxxxxxxxxxx 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.
Product: Debt collection

The calls from Ally Financial first began in the earliest year of XXXX asking for XXXX XXXX whom I don't know. I informed them that they got the wrong numbers. The calls had stopped for a short period of time and backed up again and left me with numerous voicemails. The calls came in 4 or 5 times per day nearly every other day. Even three calls within 1 minutes. Most of the calls were either prerecorded messages or robocalls. It has been nearly 4 years with all of my efforts to stop the call harassment. 

In addition, I called Ally twice and sent a certified mail to Ally financial in XX/XX/XXXX explaining the wrong numbers and cease the call harassment. I am still to be left with voicemails and calls despite my letter as well as being on the National Do Not Call registry and Nomorobo system. 

The debt collection calls were meant for someone else that is unknown to me. The most recent phone numbers from which I received the wrong numbers debt collection calls are ( XXXX ) XXXX and ( XXXX ) XXXX.
Product: Mortgage

In XX/XX/XXXX, I took out a mortgage with XXXX XXXX XXXX XXXX. for the amount {$410000.00}. I defaulted on my mortgage because I could not keep up with the increasing mortgage payments. On XX/XX/XXXX, there was a assignment of mortgage filed with XXXX County Clerks office. The assignment of mortgage assigned the mortgage from XXXX XXXX XXXX XXXX XXXX as XXXX for XXXX XXXX XXXX  XXXX. A New York XXXX XXXX XXXX XXXX XXXX XXXX . On XX/XX/XXXX XXXX XXXX XXXX XXXX stated a foreclosure action against me for the amount of {$450000.00} which is about {$41000.00} more from the original mortgage two years earlier. How is it possible that I am owing more than the original loan amount. I was making payments 1 year prior to defaulting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am ( 30 60 ) days late on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be removed from my account. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Product: Payday loan, title loan, or personal loan

hello my XXXX and i had got a car tile loan with tile max and they have lied about everything they got my car on the 21 and they said they sent me a note out as well well everyone know when they pick up your car it take may be a week before you get paper work about what you want you want to well i got mine the next day did'nt seen right for you to pick up my car at the wrong loc.they said they got it from my mom house at XXXX pate and thats not true at all some one stole the are and they wantpick up yourcar from no {$430.00} know XXXX yes what i know i work at a plces with tile loan at the 24hour check cashing plance on miller. my address isXXXX XXXX XXXX XXXX XXXX texas XXXX my name isrose XXXX XXXX and XXXX ask her acopy of it she said they dont do that she lied
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid the full balance but company said I owed them {$0.00} which doesn't make sense when I paid my full balance. They did not contact me until I got a ping from my XXXX app saying score dropped and I looked and then called XXXX since its a Target Card. They claimed I did not when I asked why they did not contact me before saying remaining balance is due. Which caused them to say we sent you to collection so speak to that department. I was going around calling different people spent XXXX hours trying to figure out why I got into collection.
Product: Credit reporting or other personal consumer reports

XXXX is reporting XXXX lines of student loans, XXXX with the total balance owed on my consolidation loan, and XXXX with a single loan out of the consolidation loan. I filed a dispute with them and they corrected it, however, on XX/XX/XXXX they posted the incorrect amount again. I have provided them documentation from XXXX verifying the account balance and they refuse to remove the incorrect line, stating that its correct. The balance that I owe is {$45000.00}. They show that but they also show a line of {$34000.00}, for a total of {$79000.00}. After my last dispute, the XXXX lines that I saw was XXXX for the {$34000.00} and XXXX for $ {$11000.00}, which was correct. On XX/XX/XXXX, they updated it to the {$34000.00} and {$45000.00} again. When I disputed it initially, they said that it was correct and then I provided them the documentation so they corrected it. I dont understand what is so difficult for them to understand that I know what my student loan balances are and with the proper documentation they need to permanently correct this issue. If they do not correct the issue permanently, I will be bringing legal action against them for incorrect reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are big differences with XXXX Scores in each bureau.
Product: Money transfer, virtual currency, or money service

I was contacted by an impersonator for a job interview that reached out by email. They were impersonating the company XXXX strategies. They used XXXX that I had all the qualifications they were looking for and asked me to sign a job offer which looked completely legit. I did so and shortly after they asked me to deposit an e-check into my checking account with southstate banking in XXXX XXXX Their reasoning was that they needed me to contact a vender to get technology sent to me for my remote role. The tech needed to be outfitted with certain security features. I thought that was reasonable since the main focus of XXXX strategies is cybersecurity. They sent me a front and back image of a legitimate looking check for {$4900.00}. I deposited the check and once it posted to my bank account they instructed me to send it to $ rhainnon on cashapp which I did. After they accepted it XXXX told me to do the same thing with a larger amount. I did not because my banks fraud prevention team caught it and contacted me. I canceled the pending check and informed the bank, cashapp, the government, and XXXX strategies. XXXX said there wasnt anything they could do, the company XXXX strategies thanked me for reporting it, the gov put a security check on my credit reports and the bank XXXX in XXXX GA charged me for the nearly {$5000.00} dollars. The bank cleaned out my checking and savings account saying it was to cover the bad check. I was told by a friend that I should contact you because the bank isnt allowed to do that since it was a scam. All of this took place during the dates of XX/XX/2024 to XX/XX/2024.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, SHOWS ACCOUNT IN COLLECTIONS AS OF XX/XX/XXXX FOR {$140.00} AND ANOTHER FOR {$32.00} DATING BACK TO XX/XX/XXXX. BOTH ACCOUNTS WERE PAID AND I RECEIVED A LETTER FROM THIS OFFICE STATING SOMEONE HAD HACKED INTO THIS DOCTOR 'S PATIENT MEDICAL RECORDS. I REQUESTED THE XXXX REPORT FOR FREE DUE TO THIS WARNING, AND IT SHOWS, BOTH THOSE AMOUNTS ARE STILL OUTSTANDING. PLEASE HAVE XXXX OFFICE REMOVE THESE XXXX CHARGES!
Product: Debt collection

It wont let me dispute on their site. I tried disputing the amount on their site. But all options they have is making a payment.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumers report, I realized that a few accounts listed did not belong to me. I have never applied for anything with these companies, and I am not sure how they got my personal information. 

XXXX XXXX- Acct # : XXXX Balance- {$0.00} Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance- {$0.00} XXXX XXXX XXXX  System- XXXX Balance- {$0.00} Opened : XX/XX/XXXXXXXX XXXX XXXX Balance- {$260.00} Opened : XXXX
Product: Debt collection

I received notice from MIDLAND CREDIT MANAGEMENT. about an alleged debt reporting on my consumer report that I was requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210 ; therefor I demand VALIDATION and VERIFICATION of this alleged debt. I certified mailed this letter to MIDLAND CREDIT MANAGEMENT on XX/XX/2022 which I have proof that I sent it and they received it. But never sent me the Documentation I requested. 

again on XXXX XXXX I sent MIDLAND CREDIT MANAGEMENT another letter requesting all of the documentation for VALIDATION and VERIFICATION of this alleged debt they said I own them and once again they never sent it to me. now please keep in mind they I have gave them a substantial amount of time to get me all the documentation but they still haven't gave me what I asked for Now this is my third attempt reaching out to MIDLAND CREDIT MANAGEMENT. on XX/XX/2022 for the documentation that i requested months ago asking for VALIDATION and VERIFICATION and once again they haven't sent me the proper documentation that I have been asking for. 

Account Name : MIDLAND CRED Account Number : XXXX IN ACCORDANCE WITH THE FDCPA 15 USC 1692- I THE CONSUMER HAVE THE RIGTH TO PRIVACY ALSO IN ACCORDANCE WITH THE FCRA 15 USC SECTION 604A SECTION2 - IT STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I inquired about an apartment on XXXX  on XX/XX/XXXX, that same day i received a text message from a woman named XXXX XXXX through the phone number XXXX, she said she would meet me at XXXX XXXX the next day, i included the text message in the attachments. she asked me to check my credit score through 2 different websites which i did, XXXX, it also has an app attached to it named XXXX, i checked my credit score and took a screen shot of the score, my name, birthdate and current address. She also asked me to use the website transunion.com to check my score, i did and i screen shotted my credit score. I went to the residence the next morning XX/XX/XXXX, she did not show up, i called the number on the rental building, a man answered and said that apartment had already been rented and that i had been scammed. i called the police and they told me to reach out to this website. i contacted transunion.com, they told me to lock my credit account, i could not reach XXXX, they are unavailable on sundays. i attached text messages, and the XXXX ad.
Product: Credit reporting or other personal consumer reports

I discovered 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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Original my student loans were all with XXXX, but they transferred over to XXXX when the XXXX contract cancelled. XX/XX/XXXX, I transferred all my student loans over to XXXX. I've been trying since at least XX/XX/XXXX to get my Experian credit report to update the status of the XXXX accounts as Closed-transferred/never late. Experian is the only credit bureau that shows that I have student loans with both XXXX and XXXX for the same student loan accounts. XXXX and XXXX indicate correct student loan information with XXXX only. I tried to both call and email XXXX directly with no response to correct the reporting error to my Experian credit report. Experian keeps telling me that XXXX will not update the records when I file a dispute so I'm unable to resolve with Experian as well. The duplication of student loans between XXXX and XXXX is unacceptable and increases my utilization % on Experian.
Product: Credit reporting or other personal consumer reports

Equifax has violated my consumer rights reporting inaccuracies I recently had them correct the payment status for the XXXX account .. it was showing late XX/XX/2024. They corrected it to current but have now reported XXXX as late when the XXXX payment was not late and previously showed current.. 
See attachments This is causing me an inconvenience as Im trying to become a homeowner and this error is hurting my efforts and has delayed my attempt to move
Product: Credit reporting, credit repair services, or other personal consumer reports

Respectfully, request dispute. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reprting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.