23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2019- I called to try and get my account number and pin to access their website to pay my debt. I called back and another woman got on the phone asked if I was paying in full I advise no and she hung up. This is rude and unprofessional and abusive behavior. This company should definitely be investigated. There may be other victims. I've now started having medicals issues because of the conduct of this company. Please pull the phone calls.
Product: Student loan

I have told Chase numerous times that I do not wish to communicate with XXXX, I called to make sure a payment on another loan posted and then they asked me about the Chase loan, I had advised Chase that the due date does not work and not sure why it was changed. I advised them that last year, Chase changed it for me but this time they are claiming they ca n't, this is a problem and I told Chase that I have issues with XXXX because they do not know anything and will use scare tactics. I have also told XXXX numerous that I will not do any auto debit with them because I do not trust them but I keep getting offered it any way. I do not want any contact with XXXX at all, I hate dealing with me because it is a nightmare to get answers from them. They are similar complaints against from other people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening, my name is XXXX XXXX. I have been in distress from the inaccuracy of information i have viewed on my credit profile. I have sent in several certified letters in the past weeks for the inaccurate account that was placed on my credit file. I am not aware of the incorrect information and i am looking to investigate this matter through the attorney generals office in XXXX if this isn't removed immediately and permanently. I have attached a letter for you to look at. I am advising that a human take a look at this and i am not accepting any E Oscar disputes methods. I want a human dispute of an internal dispute. No E Oscar generated code letters or verifications please. Thank You
Product: Student loan

I am requesting a refund for my XX/XX/XXXX and XX/XX/XXXX payments. These are overpayments. Mohela is saying to contact Dept. of the Treasury, which I did. The XXXX  has no record of those two payments and referred me back to Mohela for the refund.

I contacted my bank who said that Mohela is the only one that can give the refund since they have the records. 

Mohela confirmed that I have XXXX overpayments ( XX/XX/XXXX and XX/XX/XXXX ) and said it could take XXXX  days. This was back in XXXX and it is now XXXX. Each time I contact Mohela, they refer me to the XXXX  but the XXXX  does not have record of these XXXX payments since I already met the qualifying payments. 

Please help. I am currently waiting on {$1200.00} and Mohela refuses to return that money.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX Apt XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXXXXXX XXXX XXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXX {$3600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$7900.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was shocked to find inaccurate accounts on my credit report tonight, and I have no clue how they got there. I check my report regularly, but this time, unexpected discrepancies appeared out of nowhere. I even tried refreshing the page, hoping it was a glitch, but nothing changedthe incorrect accounts were still there. Im requesting that the documents Ive provided be reviewed carefully, so I never have to deal with this kind of worry again.
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I have applied fro multiple companies to work and this place keeps reporting that i should not be hired over a incident that was removed from my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello, experian & XXXX is refusing to re investigate an inaccurate item on my credit file.i have asked for the contract from the original creditor, they are unable to provide me this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) : ACCOUNT # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX, Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, XXXX, Equifax are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I XXXX have to take legal action due to the XXXX this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm composing this complaint to CAPITAL ONE. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A.
Product: Credit card

XXXX Please refer to this dispute number, in which the company claims it was resolved the issue. But unlike what they said the issue is with CHASE BANK regarding that they had gave me misleading, wrong and false information. On my discussions regarding the charges on the above claim with Chase bank, XXXX of their employees over the phone stated That ( I ) Should leave the tickets unused, wait for the event to pass and then reach back to chase card service to submit a claim regarding the unused tickets I did follow their recommendation left the ticket unused and once i called back to submit the claim I was told that they weren't unable to process the claim, and that there was nothing they could do. Thanks to this I lost the money and the tickets. Then I reach back to chase to retrieve the recordings regarding my conversation with this individual, but I was unsuccessful I was told that they could not give them to me. Bottom line is that Chase Bank representative gave me wrong, misleading and false information and because of that I left with the bill, lost money and tickets remained un used, if they do not solve this issues, unlike their answers on the prior claim I will be obliged to pursue legal action. Instead of solving it on prior claim, they only reach out to the merchant instead which is not what im complaining about. I already had a conversation with the merchant as per their recommendation ( also ), but there was nothing they can do. Chase wrongly gave mi misleading information. I want this issue solve my money return and the recordings from my conversations with their representative. Between the dates XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S CODE 1861 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT I did not give permission to report on my consumer credit. 

XXXX & Equifax is in violation of the law. Under 15 U.S code 1681- Permissible purposes of consumer reports. a ) general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other 2 ) in accordance with written instructions of the consumer to whom it may relates. I did not give any written instructions to furnish my account my consumer report Now further more the FCRA 15 U.S. Code 1681a - Definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT. report containing information solely as to transactions or experiences between the consumer and the person making the report. So therefore this company is sharing my private information. also the late payments and payment that's been made are transaction from me ( Consumer and the person that's making the report I called and ask for them to remove the late payments from my account and the rejected my request i did caught up on my payments so now I am current and the late payments are effecting me to get approved for any credit since it is new. I need the month of ( XX/XX/XXXX, & XX/XX/XXXX, for my payment history update to on time payment paid as agreed ) 15 U.S. Code 1602 p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 
15 USC 1692b Not state that such consumer owes any debt ; Analysis A debt collector seeking location information must identify themselves by name, but must not identify his employer unless asked. When asked, however, the collector must give the true and full name of the employer to comply with this provision and avoid violating other sections of the FDCPA. An individual debt collector may use an alias if it is used consistently and if it does not interfere with another partys ability to identify him ( e.g., the true identity can be ascertained by the employer ), and the collection laws of his or her state allow the same. 
Telling a third party that you owe a debt is illegal! First, it may not be true thus unjustly damaging your reputation and second, it is simply nobody elses business. 
15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date of inquiry XX/XX/2023, Company who processed fraudulent inquirie XXXX XXXX XXXXXXXX, Address XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, IN XXXX Request Originator is fraudulent I have already contacted all 3 credit bureaus and reported this fraudulent activity that was not authorized by me or attached to any open account. 

I am contacting you guys to have this fraudulent inquiry removed.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX XXXX AND XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT
CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Request for Fraud Block and Removal of Fraudulent Accounts Dear TransUnion, I am writing to request the immediate placement of a fraud block on my credit report and the removal of several fraudulent accounts that were opened in my name without my authorization. My previous request was not accepted due to the following reasons provided by your office : 1. Missing essential personal identifying information.

2. Lack of account-specific information, such as creditor names, account numbers, or other details.

3. The description of the identity theft was too vague and did not include specific dates related to the fraud. 

I have provided the necessary information below to rectify these issues : Personal Identifying Information : - Full Name : XXXX XXXX - Date of Birth : XX/XX/XXXX - Social Security Number : XXXX - Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arizona XXXX XXXXXXXX XXXX XXXX XXXX  Fraudulent Accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX - Open Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - Account XXXX : XXXX - Open Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX - Open Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX - Open Date : XX/XX/XXXX Description of Identity Theft : These accounts were opened without my knowledge or consent, and I first became aware of this fraudulent activity on XX/XX/XXXX. The dates of the fraudulent account openings are listed above, and I request that these accounts be blocked and removed from my credit report immediately. 

Please consider this a formal request under the Fair Credit Reporting Act ( FCRA ) and applicable identity theft laws. I have attached copies of my identification and any additional documentation needed to process this request. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that these fraudulent accounts have been removed from my credit report. 

Sincerely, XXXX XXXX
Product: Credit card

i have a credit card with Fidelity. I had a purchase that I disputed back in XXXX 2016 to XXXX XXXX XXXX - XXXX XXXX. Fidelity moved the credit cards to Fidelity Rewards VISA. Since the disupute started with XXXX XXXX I faxed all requested documentation to XXXX XXXX XXXX. FIDELITY REWARD VISA stated they never received my dispute from XXXX XXXX XXXX. So, I faxed all documentation to them in XX/XX/XXXX. I called in XX/XX/XXXX and they said they still had not received my fax. So, I faxed it to FIDELITY REWARDS VISA AGAIN!!! So, at this point i have faxed all requested documentation to this company. Today I noticed they reversed my disputed amount of {$1100.00}. I called and asked to speak with a supervisor in the disuputes department. I spoke with XXXX employee id XXXX. She refused to give me her last name. I have faxed this information 3 times. Please assist me in this disupute.
Product: Mortgage

Ive been reaching out to Chase to remove my PMI, last summer Chase said my note had to be under XXXX to remove the PMI for an assessment fee of XXXX XXXX I had a house fire XX/XX/year>. They mailed the letter XX/XX/year>. Ive reached out multiple times. Chase also has virtual walk thru photos and videos of the upgrades and property. Somehow they can not access them. 

Fast forward a year and now Chase is telling me it has to be under XXXX for a fee of XXXX XXXX They have all the video walk thru and photos. 

How can they tell me once it gets under XXXX it will be removed. Now its XXXX
Product: Credit card or prepaid card

I asked for a payoff, I was informed because of a late payment in XXXX of XXXX, 4 years ago, that my interest rate is now 29.99 %. I just reopened this account 6 months ago and have not been late. The original offer was XXXX percent until XX/XX/XXXX. They informed me that was only on t Balance transfer but my purchase interest rate was XXXX until XX/XX/XXXX when they issued a penalty interest and now it is 29.99 %. This was 2 phone calls and I am told since it was just increased they can not lower the rate for 6-12 months. I have applied for a bank loan to pay Citibank off
Product: Credit reporting

XX/XX/XXXX we sent a letter to the credit bureau asking them for assistance on numerous problems we saw on our credit reports. It is almost 90 days later and no response. I just read an article that said they are supposed to answer in 30 days. So this is breaking the law.
Product: Debt collection

i got a email from XXXX about a debt i know nothing about threatening lawsuit and other action they listed old info but did have my ssn so that worries me. not sure what action can be taken to stop this, i'm sure they trick some people into it and just want others to be aware
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XX/XX/ Omni Financial of Nevada XXXX Inc told me I was approved for a loan. The costumer service rep even told me the amount I was approved for. On the same said day at XXXX I received a text message informing me I was approved. I was told by the operator before the funds could be released to me I had to send a full copy of confidential documents. Please note these documents have my security clearance information and military history. I called back for an update after I submitted the paperwork to have the funds released to me. I was told Omni Financial of Nevada , Inc could not realse the funds to me and I asked why and how when I was already told that I was approved I couldn't be given an explanation of why. I believe Omni Financial of Nevada , Inc discriminated against and misused my official military records.
Product: Credit reporting or other personal consumer reports

I have called the reporting agencies and let them know there was so many things wrong with my report like First off the accounts included below are not supposed to be visible on my consumer report. 
I have recently been denied employment and also denied financial assistance due to these companies reporting accounts without my written consent. This has caused me great hardship and I believe this is against my Federal rights.

This is Aggravated Identity Theft 18 U.S Code 1028A and I demand this be deleted from my report in 5 days.

Under 15 US code 1681e ( b ) and 15 US code 1681i ( 5 ) this account is in violation of not reporting 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reportings with TransUnion, XXXX, and XXXX several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I never paid the following accounts late, XXXX XXXX : TransUnion is reporting a payment status of current but then reporting late payments of 30 days late for XX/XX/XXXX, XXXX and XX/XX/XXXX, 60 days late in XX/XX/XXXX, XXXX is reporting a payment status of current but then reporting late payments of 30 days late for XX/XX/XXXX, XXXX and XX/XX/XXXX, 60 days late in XX/XX/XXXX and XXXX is reporting a payment status of current but then reporting late payments of 60 days late for XX/XX/XXXX, and 30 days late for XXXX and XX/XX/XXXX, XXXX : TransUnion is reporting a payment status of Late 30 Days but does not provide the dates the account was 30 days late, XXXX is reporting a payment status of Unknown and not reporting any late payments, XXXX is not reporting this account. The following accounts do not belong to me and should be removed from my credit file, XXXX : Account Number : XXXX TransUnion is not reporting this account, XXXX is not reporting this account XXXX is reporting an opened date of XX/XX/XXXX with a past due balance of {$600.00}, XXXX XXXX : Account Number XXXX TransUnion is not reporting this account, XXXX is not reporting this account and XXXX is reporting an opened date of XX/XX/XXXX with a past due balance of {$890.00}, XXXX : Account Number XXXX TransUnion is reporting an opened date of XX/XX/XXXX with an unknown past due balance, XXXX is reporting an opened date of XX/XX/XXXX with an unknown past due balance, XXXX is not reporting this account, XXXX XXXX Account Number XXXX TransUnion is not reporting this account, XXXX is reporting an opened date of XX/XX/XXXX with an unknown past due balance and XXXX is not reporting this account, Chapter XXXX Bankruptcy Reference # : XXXX TransUnion is reporting a filed date of XX/XX/XXXX and a closing date of XX/XX/XXXX, XXXX and XXXX are not reporting this bankruptcy. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX and XXXX considered to be furnishers? These accounts either do not belong to me or were not paid late and TransUnion, XXXX and XXXX have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.