23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On or about XX/XX/XXXX I bought {$16000.00} worth of money orders and mailed them to my divorce for her legal services. I bought the money orders from Western Union from the local grocery store. 
On XX/XX/, I mailed the money orders ( via XXXX ) to my attorney ( for legal services ) who lived in Illinois and I lived in Georgia. The package never arrived. I inquired XXXX about stolen/lost money orders. 
XXXX store information is as follows : The XXXX Store # XXXX XXXX, GA XXXXXXXX XXXX approved my claim for lost/stolen money orders then stopped talking to me and would not respond to my repeated phone calls. 

I then went to Western Union and requested copies of all money orders I had purchased from them. I paid Western Union for the " Research Request '' but soon thereafter Western Union responded that I had not followed their instructions on how to request a money order research request and soon stopped corresponding with me as well! Please help me get my money back! thank you XXXX XXXX
Product: Checking or savings account

I opened a checking/savings account with XXXXXXXX XXXX XXXX XX/XX/XXXX. At time they stated that if I made direct deposits totaling {$5000.00} by XX/XX/XXXX I would receive a {$300.00} bonus. There were direct deposits from my employer on XX/XX/XXXX and XX/XX/XXXX totaling {$5000.00}. After contacting them they told me that the rules had changed. I had received a bonus in XXXX of XXXX. But on XX/XX/XXXX there was no mention that you cant receive a new bonus if you received a prior bonus. The new rules after XX/XX/XXXX was no second bonus. I called three times and got the same message. I asked a manager to contact me and they never did after promising to do so.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Transunion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX  XXXX Account # XXXX
Product: Debt collection

I am being charged for a " last billing cycle '' from XXXX XXXX that was a result of " not cancelling '' my account. Before I switched from XXXX XXXX XXXX XXXX I called XXXX XXXX and informed them of the cancellation, asked to be billed for my final services and gave them a service termination date. I was given a final balance which I accepted and paid. 
I have called XXXX XXXX on four different occasions and spent well over 3 hours on the phone to no resolve. All they can tell me is that the debt is in collections and to contact the collector. I contacted SWC Group by phone and they are not able to assist, they mentioned I need to talk with XXXX XXXX which is also of no help. I receive continuous calls from this debt collector weekly, my credit score is being affected by this debt. I sent the following email on XX/XX/year> and received no response. 

Hello, I was told by XXXX that I need to speak with yall. When I closed my account with XXXX XXXX, I gave them a date for services to be terminated and I was billed accordingly. I made the call to cancel the account and did my part. The only thing they were able to tell me is that this collections is for an extra billing cycle due to not closing out my account. This is false. They are unable to help because the account has been forwarded to you how can I get this resolved as this is affecting my credit, opportunity and XXXX XXXX
Product: Debt collection

I had two visits to two separate hospitals in XXXX 2017. Both owned by XXXX XXXX XXXX. Both use the same debt, and collections agency, XXXX. I was approved for a financial assistance program for my first hospital visit ( XXXX XXXX XXXX ), making that visit cost nothing. This assistance program also covered the ER visit to the XXXX XXXX ( XXXX XXXX XXXX XXXX ), however not the Dr 's bill, which I was given a letter totalling XXXX. Approximately 1 month later, I was given another letter stating that I now owed XXXX, due to the company stating that the " Dr. From the first hospital decided not to go through the financial assistance program '' and I was now required to pay an extra {$600.00} From the first visit, which was already taken care of months prior. After asking to speak to a supervisor, the rep on the phone kept asking why, and would not put me through to one. I then told them I would have to look into this myself. I have not contacted them since. I am an employee in the XXXX XXXX at the first hospital I was seen at, and have spoken with the provider I had on that visit. He himself has stated that he has never said any such thing about reneging on this bill.
Product: Debt collection

The company called me XXXX times a day sometimes back to back even after being asked not to call during work hours. They have called daily for over a year now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to XXXX/Equifax, and XXXX  inquiring about information/accounts listed on my credit report that is inaccurate. I have asked for the account/information to be verified several times via the letters I sent. I also asked that they please send me copies of the documents that you have in their files as of my last letter that they used to verify the accuracy of the accounts on my credit report. 

They have continued to send me a response stating that the accounts/information was updated and verified but have not sent any supporting documentation. 

I did not ask for anything to be updated. I asked that the inaccurate accounts/information be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were charged off and since then the accounts have been repeatedly updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should not include an active payment history. I would like to add this falsely manipulates the statue of limitations. I'm demanding an immediate deletion of the following accounts : XXXX XXXX, XXXX, and TD Bank/ Target. This is a violation of the FCRA and I'm entitled to monetary compensation. I'm asking for the removal of all inquiries as they are not permissible and I haven't given these companies permission to have obtained my credit report : 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 Inquiries that aren't permissible must be deleted off credit reports and don't require an ftc or police report per FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Credit card or prepaid card

On  XXXX   XXXX  of    2017  I was double charged {$660.00} for an enterprise purchase in  XXXX . I alerted discover card and they investigated the issue only to investigate it as fraud instead of a double charge. I have now been charged the money twice for over 2 months with no resolution from discover besides " pay my bill ''
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft. There is several accounts, inquiries, and addresses that does not belong to me nor did I authorize. I have notified XXXX, Equifax, and XXXX of this matter and have yet to get a proper response. All 3 bureuas are in violation of several FCRA laws such as FCRA 605B ( 15 U.S.C & 1681 c-2 ) which states that the following accounts must be remove within 4 days of receipt. I have file a complaint with The FTC and was provide with a Identity Theft Report and I also filed a police report with my local Police Department which both are attached.
Product: Credit reporting or other personal consumer reports

I don't recognized or have giving any authorization for this company to run my credit. 
Experian hard Inquires : XXXX XXXX XXXX XX/XX/XXXX XXXX Hard Inquires : XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below..XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX OF TN ) XXXX, ( Original Creditor : ) XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Chex Systems is reporting incorrect inaccurate information to my consumer reportIt is permitting me from opening a bank accounts at XXXX XXXX XXXX XXXX XXXX.I need Chex systems to investigate and remove all inaccuracies and incorrect info from my credit reportRemove all addresses from my report.I should only have XXXX name XXXX XXXX or XXXX XXXX XXXX on this consumer report. 
I should have one address on file.This is the address on my ID. 
This is an clear gross violation of my constitutional rights and my consumer rightsI am asking Chex systems to investigate and remove the inaccuracies and incorrect information/data from my consumer report.I need them to fix my consumer report A federal lawsuit will filled against If they continue report inaccuracies and incorrect information/data to my consumer report
Product: Debt collection

Asked for items that was purchased to send me a copy plus they said payments were made requested copy of how payments were made because Ive been with the bank for over 30 years no replies
Product: Credit reporting, credit repair services, or other personal consumer reports

a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft transunion must remove the inquiries immediately. 

XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint to Remove Late Payment from Credit Report I am writing in response to your recent communication dated XX/XX/year> regarding my previous dispute. Despite your assertion that everything is accurate, I must insist that the information in question remains incorrect, and there is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). FCRA Section 611 ( 15 U.S. Code 1681i ) As per Section 611 of the FCRA ( 15 U.S. Code 1681i ), I am exercising my right to dispute the accuracy of this information. I request that you investigate this matter and remove the incorrect late payment entry from my credit report. FCRA Section 623 ( 15 U.S. Code 1681s-2 ) Additionally, according to Section 623 of the FCRA ( 15 U.S. Code 1681s-2 ), information furnishers are required to provide accurate information.

The creditor, XXXX XXXX XXXX XXXX , has failed to meet this obligation by reporting a late payment that did not occur. Therefore, I request that you promptly contact XXXX XXXX XXXX XXXX to verify this information and correct my credit report accordingly. It is your legal duty to verify this information with the original creditors and delete or correct any unverifiable information within the XXXX timeframe. However, since it has been over 30 days since my initial request and no corrections have been made, I am giving you a final deadline of 15 days to resolve this matter. 

XXXX XXXX XXXX XXXX  XXXX Date of Incorrect Late Payment : XX/XX/year>
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I sent what I thought to be a reputable cat breeder {$1200.00} over XXXX through my Chase app. However, it has come to my attention that the XXXX account that I sent funds to was associated with a scammer and I would never be receiving my kitten. I immediately called Chase bank and filed a claim and intended to get the information I needed to pursue this person with legal action as their name and email address was available to me. However, they sent me to XXXX to get this information. XXXX then once again told me that they are not able to, however Chase bank will be able to help me. I called once again and was told that there is nothing they can do.

Chase knows what bank account ( and person ) is connected to this scammer 's XXXX account and refuses to help. The only way I can get any recourse whatsoever is with Chases help is by getting information but instead they pick the side of the scammer. I am not sure what else I can do here. Consumers deserve better protection from scammers that take advantage of Chase 's backwards and unfair policies.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Bank of America due to their failure to correct multiple inaccuracies on my credit report regarding the account referenced as XXXX  XXXX : XXXX. ** Despite my formal dispute and request for correction, the inaccuracies remain unresolved and continue to damage my credit score and financial standing. 

Specific Inaccuracies Include : XXXX is reporting a charge-off on this account from XX/XX/XXXX to XX/XX/XXXX, which is incorrect as an account can only be charged off once. 
XXXX is reporting this account as " current '' during the same time period ( XX/XX/XXXX to XX/XX/XXXX ), contradicting Experians reporting. 
XXXX is also reporting an incomplete or inaccurate account number, further adding to the discrepancies. 
These discrepancies violate the Fair Credit Reporting Act ( FCRA ), 15 USC 1681e ( b ), which requires accurate and fair reporting of consumer information. I have also already disputed this information with both XXXX and XXXX, yet no corrective action has been taken.
Product: Mortgage

On XX/XX/XXXX of XXXX I closed on a streamlined mortgage refinance with Lakeview with a representative, XXXX XXXX. After my closing, I received a call saying that the payoff for my original loan was shorted. XXXX did whatever needed to be done to get this resolved. When I signed the refinance documents, the note said that my first payment due was XX/XX/XXXX. After the payoff was shorted and that was resolved. I was told over the phone that my new payment was on XX/XX/XXXX. I emailed XXXX immediately and she confirmed and sent me a screenshot showing the new payment date. In the mail, I received my welcome letter from the loan servicing company XXXX XXXX, with my account number, servicing information and the first payment due on that letter also said XX/XX/XXXX. Even if I was supposed to make the payment on XXXX I would have never been able to because I had no access to do so until XXXX. In XXXX, I made my payment and noticed that the new due date did not change. I looked at the history of my payments and they reversed my payments to reflect a first payment was due on XX/XX/XXXX without even notifying me. I have called and emailed them for the last 4 months trying to get this resolved. Every representative Ispoke to said they will take care of it and nothing has been resolved. I called XXXX, XXXX had her boss reach out to someone and it was still not fixed. This is destroying my credit, I have accrued late feed and I've had enough. Please help me get this resolved and report them in whatever way you can.
Product: Checking or savings account

In XX/XX/2022 I received a notification from the CHASE bank that my account XXXX with {$38000.00} was closed. I called the bank at that time and they told me I was going to receive by mail a check with the funds and that I had to wait a maximum of 90 days. So I waited, but nothing arrived. Calling the bank again in XXXX they told me that I had to go to the branch to give more information about two transactions I received in the account. 

On XX/XX/XXXX I went to the XXXX, Texas branch and sent by email the requested transaction receipts to the banker XXXX XXXX. He said he received the email ok and that he will send this information to the bank and that I had to call the bank again in 2 or 3 days. I called the bank on XX/XX/XXXX and they said they have not received any update until now. 

I urgently need my money back. 

Thank you. 
Kind regards,
Product: Student loan

Hello, I have been a Federal Government employee for the last 7 years and after paying towards my student loans during this entire time, I recently found out I was not eligible for the  Public Service Loan Forgiveness Program b ecause not all of my loans were Direct loans ( many are  Federal Family Education Loan Program l oans ). I was told years ago that as long as I was paying towards my loans, they would be forgiven after 10 years. I submitted the certification paperwork this year but have not received a response from the Department of Education despite submitting this information months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX