23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

After reviewing my consumer report, Ive found that payment history is being reported on this account. Transaction history between the consumer is to be excluded from the report and it has adversely impacted my ability to obtain credit.

According to 15 USC 1681 2a ( I ), under the exclusions section, the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; As it relates to my consumer report, the data was furnished from the same data furnisher, yet inaccuracies can still be found on multiple accounts. I request that these accounts be removed from my consumer report to ensure maximum accuracy and fairness, guaranteeing the right to obtain credit. And according to the IRS, a charge off is a certificate of indebtedness, that was reported as income on my income tax returns. Income is not included in the consumer report. 
15 U.S. Code 1681a - Definitions ; rules of construction ( D ) consumer report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

15 U.S. Code 1681e - Compliance procedures, states that ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Debt collection

We have a medical co-pay being billed to us that was paid via debit card at the time of service. The date of service was XX/XX/2016 for XXXX. It was a charge for my daughter. The hospital kept trying to collect this from me multiple times. Each time I would get a letter I would call the hospital and they said " they would work on it ''. Well almost a year later I get a letter from Evergreen Financial Services saying to pay the {$30.00} dollar co-pay or get a judgement. I was mad to say the least! I sent in a copy of my bank statement showing the amount debited from my account on the day of service from their client. I called back to see if they received the proof of payment and now they have to talk to the client to make sure this is ok? I paid this money. I have proof! That should be the end of it!!! This is so unprofessional I do not know what to do. So this is the action I am taking. I will keep fighting this! I know it is only {$30.00} dollars, but it is about principle now.
Product: Student loan

I called Aidvantage on Monday, XX/XX/year>, on or around XXXX XXXX PST. I spoke to a female customer service representative named XXXX XXXX. She was nice and professional. However, I asked to speak with a supervisor regarding previous agents engaging in call-avoidance and violating hold procedure. I respectfully declined to provide my personally identifiable information ( " PIl '' ) to XXXX XXXX. 
While attempting to get a supervisor pursuant to my request, XXXX XXXX brought it to my attention that supervisor XXXX XXXX refused to take my call unless I provided my PIl to authenticate my account. Supervisor XXXX XXXX engaged in call-avoidance and violated policies and procedures. Student loan borrowers are not required to authenticate or verify their account in order to speak with a supervisor. Customer service agents are required to ask and attempt to authenticate the account, however, again, the borrower is not required to provide account details in order to be transferred to a supervisor. I had a valid complaint to bring to the attention of a supervisor regarding agents engaging in, among other things, call avoidance. Because XXXX XXXX refused to do his/her job, I was forced to disconnect and call back in order to get to a supervisor ; causing an undue delay and wasting company time. I called back and spoke to a supervisor who took my call without account verification without issue. I seek to hold XXXX XXXX accountable. Please reprimand or terminate XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I would like to follow up to bring to your attention my deep dissatisfaction with the repeated unsuccessful attempts to correct the late open accounts from my credit report. The persistent presence of these inaccuracies on my report is not only XXXX but also XXXX to my financial standing. I feel compelled to escalate this matter formally. I submitted a request to your institution to address the inaccuracies in my credit report. Despite multiple attempts and assurances from your customer service representatives that the necessary corrections would be made promptly, these inaccuracies persist on my credit report. I insist on an immediate and thorough investigation into the reasons for the persistent inaccuracies and the multiple failed attempts to rectify the situation. I request a detailed explanation of the steps being taken to expedite the correction of these accounts and prevent similar errors in the future without delayed. Please help me correct these accounts in my credit file : 1. XXXX XXXX XXXX : {$6400.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

2. XXXX XXXX XXXX : {$1100.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX. XXXX XXXX XXXX : {$6200.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX. XXXX XXXX XXXX : {$2500.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. 

XXXX. XXXX XXXX XXXX : {$2600.00} - My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 

XXXX. XXXX XXXX XXXX : {$6200.00} The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

XXXX. XXXX XXXX XXXX : {$2200.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Potentially Negative Status Account charged off. {$910.00} written off. 
Account Type Unsecured Balance {$910.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXX XXXX XXXXXXXX Potentially Negative Status Account charged off. {$14000.00} written off. 
Account Type Auto Loan Balance {$3400.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXX XXXX XXXX Potentially Negative Status Collection account. {$450.00} past due as of XX/XX/XXXX. 
Account Type Debt Buyer Balance {$450.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor XXXX XXXX Dispute XXXX XXXX XXXX XXXX Potentially Negative Status Collection account. {$800.00} past due as of XX/XX/XXXX. 
Account Type Collection Balance {$800.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor XXXX  XXXX XXXX XXXX XXXX Dispute - Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses Select as many as apply XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY
Product: Checking or savings account

I had a XXXX of a spouse. With all the transactions regarding the XXXX XXXX, I notices unauthorized withdrawls with my card still on me, using my PIN and RFID. TD Bank refuses to help even with police report and report from work showing I was at work during these transactions.
Product: Checking or savings account

My paypal account has been locked for more than XXXX I need to remove my fund in my paypal account Email in my account is XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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 an account without my written instructions
Product: Money transfer, virtual currency, or money service

XX/XX/20 - A fraudulent XXXX account was set up from mine and my sons account and there was a transfer to XXXX XXXX for {$980.00}. PNC told me that this was initially denied and someone called in to find out why and they were verified and it was approved. 
XX/XX/20 - There were several other fraudulent transactions at stores that were all refunded back after submitting a fraud dispute at my local branch. 
XX/XX/20 - Submitted an escalation request at my local branch because the {$980.00} was not refunded. XXXX said that the transaction was verified. 
XX/XX/20 - Spoke to XXXX XXXX with PNC and she was going to get more details on the transaction. 
XX/XX/20 - Spoke to XXXX with PNC as I hadn't heard from XXXX. He did tell me that the account for XXXX XXXX was flagged as fraudulent and he said I should submit a dispute with XXXX and he transferred me to XXXX. 
XX/XX/20 - XXXX said that I can not submit a dispute with them, only through PNC. 
XX/XX/20 - Left message for XXXX. 
XX/XX/20 - XXXX called back and asked that my son call for her to do a voice comparison with the recording of the verification. My son called her 3 times and left messages and she never returned his call. 
XX/XX/20 - Spoke to XXXX with PNC and he put in for another escalation. 
XX/XX/20 - Spoke to XXXX with PNC and he verified that it was my son 's phone number that must have been spoofed to gain the approval for the transaction. 

I have asked several times to get a copy of the phone call that was received to verify the transaction and was told that I will need to subpoena them for the records. I emailed XXXX back in XXXX to ask where to send the subpoena and hadn't heard anything back from him.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX did not report the late payments correctly to each credit union. In XXXX of XXXX how was I 90 days late with XXXX but not with Equifax or XXXX? Also on my Equifax credit report it shows that there was XX/XX/XXXX days late in the consecutive months of XXXX through XXXX of XXXX but that is not reflected on either XXXX or XXXX credit report. All three credit bureaus are reporting different information and according to 15 U.S. Code 1681e - Compliance procedures, " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' This is a direct violation and furthermore proves that there was no investigation to provide proper verification. Its the law to report accurate information and I want these late payments either deleted or adjusted to PAANL ( paid as agreed, never late ).
Product: Debt collection

XXXX XXXX XXXX has sent XXXX different collections accounts to my credit report for the same amount of {$1300.00}. This has happened XXXX different times already and I have disputed the debt with the credit bureaus. I tried calling XXXX XXXX XXXX  and they were unable to provide additional information since I am not the account owner. This happened XXXX different times already. My current phone number is ( XXXX ) XXXX. Please update your records accordingly.
Product: Mortgage

Issue : I have switched my Mortgage Provider from Fifth Third Bank to different Lender. My Property Taxes were paid both by New Mortgage Company and Fifth Third Bank. I specifically called 53 Bank and asked them not to pay taxes. Since it was already paid by other Bank. This happened on XX/XX/XXXX. Still I did not receive the check from Fifth Third Bank yet. They were not able to find the check issued by county. I have been reaching them every week for the past 2 months but get different update every time. Finally They have assigned a supervisor for my case and even she is not responding to me. Her work number goes to Voice mail every time i call her. She haven't returned my call yet. 

Resolution Steps Taken : Follow up every week Conclusion : I'm very disappointed on waiting on check ( XXXX XXXX ) for past 2 months despite of constantly following up.
Product: Debt collection

I have repeatedly asked DRS to stop contacting me about my brother 's debt -- and have even filed multiple CFPB complaints against them -- but they continue to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I submitted complaint Consumer Financial Protection Bureau # XXXX for XXXX XXXX Account # XXXX in the amount of {$540.00}. On XX/XX/2019 I received a notice from Equifax in the Consumer Financial Protection Bureau that stated that they would investigate the claim. Today I received a letter in the mail from Equifax Confirmation # XXXX dated XX/XX/19 saying they investigated and verified this account as accurate and they MODIFIED THE ACCOUNT. 
I can not explain how this account dispute was disputed and verified on the same date XX/XX/2019. How can Equifax receive, investigate and conclude the details of an account in one day? I am requesting the method of verification allowed by FCRA Section 611 ( 7 ) and would like  the results to be mailed to me in 15 business days as required by law
Product: Debt collection

Equifax has allowed a fraudulent credit collection agency to add an account to my credit repot without validation and my knowledge I do not owe XXXX any funds. I asked that this be removed from my credit report. please investigate this collection company. This company has no right to put this unlawful act in my credit report.Please assist me. The company name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX All consumers be aware of these people.
Product: Credit reporting, credit repair services, or other personal consumer reports

O n XX/XX/2021 after noticing fluctuation on my credit score and submitting a complaining against XXXXXXXX XXXX XXXX with Court resolution to Transunion, the latter responded in jargons and unusual language. Calling the Company XXXX id # XXXX from the XXXX call center answered. Investigating about the issue, XXXX conveyed that XXXX XXXX was causing the mess despite Transunion, the bank have read the Court resolution and inviting the Transunion representative to read it, he refused to read the document stating that he had problem reading manpenship while the document is visibly clear. I believe either that the representative is unable to read English language and therefore, his employment is questionable or is most evident a possible cover up. At this point, i question the validity and accuracy of Transunion reporting agency. Asking for a supervisor or manager, nobody was able to respond. Please investigate
Product: Credit reporting or other personal consumer reports

Ally Financial has reported, without my written consent, transaction history to my personal consumer report.
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 Report. 

The XXXX Credit Bureau is reporting inaccurate information on COMENITYBANK/XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

I am writing to request that the following inquiries are removed from my credit report, as I did no authorize them, and they are harming my ability to obtain new credit. 

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

THE ACCOUNTS LISTED DO NOT BELONG TO ME BECAUSE THEY WAS OPEN FRAUDULENTLY SOMEONE USED MY IDENTITY TO OPEN THESE ACCOUNTS WITHOUT MY KNOWLWDGE STOLE MY SOCIAL AND ID I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the information was erroneous. TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$0.00}
Product: Student loan

I submitted an extra payment to Navient with explicit written instructions. The payment was supposed to be applied to only XXXX of my XXXX loans. It also was supposed to be strictly used for principal only. Navient ignored my specific instructions and split the payment between my XXXX loans. It also applied a portion of the payment to interest fees when the loan was up to date in payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon obtaining my annual credit report, I requested a debt verification from all 3 credit bureau in regards to a charged off account from XXXX XXXX XXXX that was listed on my report. I sent an e-mail to XXXX XXXX XXXX  on XX/XX/XXXX for verification as this was an unfamiliar account that I had not seen before on my credit report. I received no response back the same week however on XX/XX/XXXX, I received a letter from XXXX XXXX XXXX. I had hoped that the letter would provide any documents to validate this account however, the letter simply stated what was on my actual credit report and only listed when the account was opened along with when the account was charged off. 

Per XXXX XXXX XXXX letter, the account was opened on XX/XX/XXXX and was charged off on XX/XX/XXXX. The letter also stated if any inaccurate information was listed, that I should contact the 3 credit bureaus directly to dispute and resolve. 
With that information, On XX/XX/XXXX, I sent a notarized letter requesting validation on this account listed under XXXX XXXX XXXX to XXXX, Equifax & XXXX. After sending the letters, I received no response back in 10 days. I decided to write a follow-up letter to all 3 CRA on XX/XX/XXXX requesting validation of account once again. As the days went by, I received no letters back from any of the CRA so on XX/XX/XXXX, I sent another follow-up letter requesting validation. Keep in mind, this was my 3rd attempt in contacting the credit bureaus in hopes that I would get any sort of answer back to assist in this issue. 

On XX/XX/XXXX, I received a letter each from both Equifax and XXXX. Below is what was listed on the letters that were sent to me Equifax = Stated that they are currently processing my previously submitted dispute and will not be conducting further investigation into this particular account at this item. 

XXXX  Did not provide any documentation but rather just listed terms and explanation on how the verification process works. I had already sent them 3 detailed letters requesting validation however this was the only letter I received from them. 

XXXX As of XX/XX/XXXX, I have not heard back or received any answers via mail, e-mail or telephone.
Product: Credit card

I rented a vehicle from XXXX XXXX XXXX for XXXX days ( XXXX ), agreeing to {$280.00} as per the signed agreement at checkout ( attached below ). After returning the car, I was emailed a receipt showing the amount for the rental car as {$5400.00} with the only cited reason for the charge increase being Vehicle Upgrades. I never authorized or requested a vehicle upgrade. My signature was only provided for the {$280.00} charge and I would not have accepted a different value. Neither company will take responsibility for this fraudulent and completely erroneous charge, and both are making it extremely difficult and slow to resolve this issue. 

First, I contacted XXXX on Monday XX/XX/XXXX and spoke with customer service ; during this conversation they said this charge was erroneous and that they would send an updated bill to Chase. This was never acted upon ( but I can provide records showing the call did occur ). 

I have filed a dispute with Chase when the charge was posted in XX/XX/XXXX to my credit card, and Chase took over XXXX months to investigate the disputed charge ultimately claiming that the charge was valid and I have to pay the full {$5400.00} amount. Chase required that I call and provide information about the charge when the dispute was first filed, ultimately starting the dispute investigation on XX/XX/XXXX. They called on XX/XX/XXXX asking for nearly identical information about the rental car service and what I was disputing. Finally the responded with the claim decision on XX/XX/XXXX. 

I have now reached out again to XXXX through a direct email to the CEO of XXXX and other executives requesting this charge be fixed. Additionally, I've filed a complaint with customer relations in XXXX for fixing this charge. 

I am currently in the process of reaching back out to Chase to understand why they think such an extreme, unauthorized, fraudulent charge is valid. Additionally, I will be recontacting XXXXXXXX XXXX customer service agents by phone to see if they can resolve their errors. 

I've attached below the following : 1 ) the initial statement from the third party service ( XXXX ) I used to book the rental car showing an expected price of {$280.00}. 
2 ) the receipt printed by the rental car company after I signed and picked up the vehicle on XX/XX/XXXX. This was the only authorized and signed for charge for this rental car service and its price is {$280.00}. 
3 ) the receipt that was emailed to me by XXXX car rentals hours later after returning the rental car showing the incorrect and fraudulent line items for the increased charge 4 ) Chase 's notice letters ( 3 total ) corresponding with the interactions we had over phone and the final notice indicating no reason as to why they found this charge non-fraudulent and no evidence that they did any investigation.