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

In XXXX of 2023 I used a credit software to request a full investigation into items on my credit report because they were inaccurate. I sent my letters to all 3 credit bureaus and did not receive a response for over 2 months from XXXX and I did not receive a response from Experian or XXXX at all. When I did receive a response from XXXX, they stated they wanted to be sure it was me that was requesting the investigation basically a stall letter. I sent another letter requesting a full investigation into the discrepancies on my report and did not receive a response from XXXX or XXXX but one from Experian another 2 months later stating the same thing XXXX stated they wanted to be sure it was me. I responded with a third letter stating I have a right to use credit repair software and I am NOT a credit company. I, to this date have not received a response to any of my letters requesting an investigation nor have they removed the inaccurate information from my credit report. I am trying to move my family into a better living situation and this is impacting my apartment search because of the erroneous items on my credit report. I would like to have the items deleted from my credit reports from all three bureaus please. In addition, I contacted the XXXX XXXX XXXX office to request how they report the bankruptcy to the credit bureaus and they never responded. I am aware they do not report these circumstances to credit bureaus. This bankruptcy being reported on my credit report is also erroneous.
Product: Debt collection

There is a duplicate collection account for Valley Credit Services on my XXXX report and both XXXX and the creditor refuse to correct the error.
Product: Vehicle loan or lease

Im getting outrageously charged for a XXXXXXXX XXXX  Im paying as much as possible and Im still getting harassed everyday with calls even after I pay my balance is not moving with the payment arrangement and they are not willing to help so basically putting me deeper in debt with high and unfair interest r rates. Im ready to file bankruptcy! Its sad that these people prey on the less fortunate through trying times.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX This account is being illegally reported on my credit report. I requested method of verification on this account. I have recently been informed that there is TWO negative claims reported by XXXXXXXX XXXX  Account # : XXXX XXXXXXXX XXXX XXXX Account # : XXXX for the SAME account on my consumer report and under my Social Security number. Upon reviewing a copy of my consumer report, I see an entry listing I have a {$260.00} Charge-Off on with major inaccurate information and it is affecting my report. 

How is this accurate if the term duration is inaccurate, no reported monthly payment amount, date opened is inaccurate, the account type is inaccurate, credit limit amount is inaccurate, past due amount is inaccurate, last reported date is inaccurate, last active & last payment date is inaccurate. 

Therefore, I am now formally requesting method of verification according to the Metro 2 Compliance standards. Any automated response, or E-Oscar verification is unacceptable. 

This listed item is entirely inaccurate and incomplete and must be deleted. 

Furthermore, if at any time during your investigation the above account is verified by XXXX. I requested method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 ( A ) ( 4 ) 15 U.S.C. 1681 Section 604 A Section 02 : It also states a consumer reporting agency can not furnish an account without written instructions. 15 USC 1681b ( A ) ( 2 ) 15 U.S.C. 1681c. ( A ) ( 5 ) Section : It states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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.

15 U.S.C. 1681i ( 5 ) ( A ) ( I ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX
Product: Credit reporting or other personal consumer reports

Credit report date : XX/XX/2024. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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.
Product: Debt collection

A new item appeared on my credit report, so I called the debt collector on XXXX XXXXXXXX XXXX at approximately XXXX : XXXX eastern standard time listed number on the credit report. They had no information to give me concerning the debt, they could not verify the date of service or that I in fact actually received any services or products that would oblige me to any debt.
Product: Credit reporting or other personal consumer reports

Personal Statement my wallet including my id, social security card, bank cards and my medical cards was stolen. i have been been disputing this unauthorized account with XXXX XXXX since the day i noticed it had been reporting to my credit report. I have never experienced anything of this nature. my identity was stolen and used to obatin a XXXX XXXX credit card with a balance of {$3600.00} that i have no knowledge of. I have and will continue to disoute this fraudulent information until it is removed from my credit report. no signatures, authorization or any consent of mine was given to XXXX XXXX, they had no right to open a fraudulent account using my information. in this case they allowed a fruadester to use my personal information to obatin fraudulent funds. this matter needs to be invistaged and removed immediately. 
My rights have been disregarded and I demand this matter be settled immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and XXXX are reporting incorrectly ( 30 ) days past due on the XXXX XXXX partial account number XXXX. This account has been paid. There is no outstanding balance and therefore there is no past due balance to be late on. Transunion is reporting ( 30 ) days late on this account showing a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account where there is a {$0.00} balance {$0.00} past due. The Fair Credit Reporting Act guidelines say that an item must be removed if it has not been updated within ( 6 ) months. This incorrect reporting is harming my credit score and these line items need to be deleted from my credit report.
Product: Credit card or prepaid card

On XX/XX/2023, I ordered a spoiler and XXXX spacers from oldparts.com I have sent multiple emails and call multiple times I was trying to see when my order was being shipped but I keep receiving no response. I requested my money back from the company and still have not received a response. The total price was {$470.00}. I would like to be refunded my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Aidvantage, Department of Education collection company looked in my credit from the year of XXXX and reported that I am four late payments behind. I have four different loans. As of the XX/XX/XXXX it was credited asif it recently happened. I called the company I told them about it and they can go back 7 years on your credit and report. I told them you didnt have power of attorney of my account and company didnt exist. I filed a dispute with experian they did nothing but say we sorry. My credit score went down XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Student Loans Report differently on all XXXX bureaus XXXX XXXX XXXX. 

Experian {$35000.00} Exquifax {$30000.00} XXXX {$35000.00} FCRA 15 usc 1681b ( a ) ( 2 ) - No Permisible purpose I never gave EXPERIAN, XXXX, or XXXX written consent to furnish anything on my report. 

15 usc 1681a -Rules of construction
Product: Mortgage

I closed on a VA home loan with XXXX 's XXXX on XX/XX/XXXX. 

I remitted payment in the amount of {$5000.00} over the telephone to XXXX 's XXXX on XX/XX/XXXX. I received receipt of this payment on XX/XX/XXXX. 

On or around XX/XX/XXXX, XXXX XXXX sold servicing of this loan to XXXX, XXXX. 

I was notified of this change from XXXX XXXX in a letter dated/postmarked XX/XX/XXXX and in a separate letter from XXXX dated/postmarked XX/XX/XXXX. I received these letters on XX/XX/XXXX. 

In the letter sent from XXXX XXXX XXXX, it indicates : " XXXX XXXX XXXX XXXX is currently collecting your payments. XXXX XXXX XXXX XXXX will stop accepting payments received from you after XX/XX/XXXX. '' In a phone call with XXXX XXXX from XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX, XXXX XXXX indicated to me that they notified XXXX of payment on XX/XX/XXXX and that the principal balance should be {$5000.00} less. Additionally, XXXX XXXX indicated to me that XXXX would issue me tax form XXXX. 

XXXX has done neither of these things despite repeated and multiple requests to do so. In an email correspondence dated XX/XX/XXXX, XXXX indicated " no payments were received '' and refused to look into the matter. I have communicated with XXXX and XXXX from XXXX who have been unhelpful. XXXX XXXX has indicated that they have sent this XXXX. Where it stands, both companies are saying for me to " talk to the other guy. '' I have done both of these things and I have nothing to do with the matter. It's the two companies not talking to each other in a transaction that I have nothing do with.
Product: Credit card or prepaid card

We took our car to what turned out to be an incompetent mechanic. They had the car for two months and everything that they touched they broke. A car that we had previously been able to drive to XXXX XXXX XXXX in XXXX, Ohio now has to be towed out of their shop. They refused to give us our car keys unless we paid after a lot of arguing. They forced us into it. They car required thousands of dollars of repairs after this shop. I have been trying since XX/XX/2018 to get our {$3900.00} back from Capital One. It has been a horrible experience and I have spent 50 hours on the phone with them trying to get money back that we clearly swindled out of. I have submitted a second opinion and 14 pages of documentation. Capital One has passed me around, given me incorrect information about there being two disputes open and one employee that had our case for three months and did nothing. Please HELP us. Capital One has made this process appalling. We just want our {$3900.00} back that we were cheated out of. Please reverse the charge! Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 16TH endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$2000.00} XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX  XXXX Balance : {$2000.00} XXXX XX/XX/XXXX
Product: Debt collection

Assignment clause Notarized letter of debt purchase Signed contract from original creditor I want to dispute this account but I still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally
Product: Debt collection

According to FCRA section 605b, it is illegal to report information on my credit report without my permission. Thank you. Please remove this from my credit report.
Product: Credit reporting

This is a continuation of my original complaint CFPB # XXXX from XXXX. I received a letter from the creditor agreeing with everything as I requested which I am unable to locate at this time. They corrected my report with XXXX but now it is showing up on Experian. Despite my efforts, I have not been able to correct Experian. I have attached copies of my original correspondence. Please help if you can.
Product: Credit reporting or other personal consumer reports

I reviewed my credit file and discovered incorrect and inconsistent reporting for the XXXX XXXX account XXXX. The reported late payments for several months do not align across the XXXX bureaus ( XXXX, Experian, and XXXX ). For example : In XX/XX/XXXX, XXXX shows 30 days late, but Experian and XXXX both report the account as XXXX. In XX/XX/XXXX, XXXX and XXXX show 90 days late, but Experian reports 120 days late. This inconsistent reporting suggests data errors and does not reflect the account 's actual payment status. The current status reflects 120 days past due as of XX/XX/XXXX. However, my account payments were not accurately recorded, and the account should not be reported as severely delinquent. These discrepancies are harmful to my creditworthiness and must be addressed. I have attached a copy of my credit report, along with the specific payment history discrepancies highlighted for your review. Please investigate this matter and provide me with a corrected report or written confirmation of your findings.
Product: Checking or savings account

What happened : {$1500.00} was withdrawn from my checking account through ATM in person without my permission. Chase initially accepted my claim but they denied it about 2 weeks later. My current account balance is currently negative.

Reason : Chase denied my claim as a fraud because it looks like those transactions were made by me.

Story : 1. Friday, XX/XX/XXXX at XXXX XXXX. I got an email from Chase, Email Address Change Confirmation. However, I didnt change my email address on Chase. [ XXXX ] 2. I called Chase right away and explained this situation. They removed that fake email not owned by me.

3. Saturday, XX/XX/XXXX at XXXX XXXX. I got an alert from Chase App on my XXXX and from an email from Chase. My balance of {$20.00} was below the {$50.00} limit you set. I checked my checking account. I was shocked. 3 times ATM withdrawal of {$500.00}, a total of {$1500.00}, happened and it was described as XX/XX/XXXX XXXX XXXX XXXX NY XXXX XXXX. It was the Chase branch near my home and my card number. [ XXXX & XXXX ] 4. I called Chase during business hours in the morning. I explained my issue and those ATM withdrawals were not made by me. I didnt withdraw money, didnt go there, didnt use ATM, didnt give my card or anything related to Chase to anyone, and I was home at that time.

5. During the investigation, we found somebody used XXXXXXXX XXXX XXXX ( Chase XXXX XXXX ) and XXXX XXXX  like Contactless to withdraw my money. I found its phone was active in the Device History on the Chase website. Somebody accessed my Chase data using its phone on XX/XX/XXXX at XXXX XXXX. its only 2 minutes gap between updating my email and accessing my Chase data using its phone. I have never owned and used XXXX XXXX XXXX. So, I deactivated its phone as soon as I found this unrecognized access. [ XXXX & XXXX ] XXXX. I got money back from Chase at this time. [ XXXX ] XXXX. Friday, XX/XX/XXXX at XXXX XXXX. I got an alert again from XXXX. My balance was $ XXXX. I checked my account. I found 3 times transactions of {$500.00}, a total of {$1500.00}, for REVERSAL : ATM WITHDRAWAL. I was shocked again. [ XXXX & XXXX ] 8. I called Chase during business hours in the morning. I wanted to know why the reversal of my claim happened. They said it was not fraud according to their investigation. The reason is that those transactions were used by my own information so it looked like I, myself, made those transactions. They asked me again if I gave my debit card, my phone, or anything relevant to somebody. I talked to Chase again that I have never given my card, phone, personal information, and any important data to anyone. They asked me again and I explained again. It was endless.

9. I called Chase to get help to solve the issue that unrealized transactions happened without my permission. However, I couldn't figure it out with Chase.
Product: Checking or savings account

On XX/XX/2022, I noticed charges from XXXX. I called the Bank to report I didnt make these and they were processing. They told me that there were charges from XXXX now and some on XX/XX/2022. I told them I didnt make these charges. They totaled {$2600.00}. Theyre not refunding my account. They said that I have a relationship with this Como but I explained that I only authorize XXXX to charge {$.00} cents monthly to back up my phone data. I am asking to get my money back as I did not make these charges. Please help me.
Product: Credit card or prepaid card

A company that has an online game with " in-game purchases '' has been charging me for purchases I did not authorize on my Visa bank card through Bank of America. 

The company is XXXX located in XXXX. 

The game IS NOT a game that requires purchases to play because it is a " free to play '' game, there are NO SUBSCRIPTION costs. 

When I discovered that I was being charged ever since XX/XX/XXXX I contacted Bank of America, who initially removed {$790.00} in charges on XX/XX/XXXX. 

I filed a fraud dispute at that time. 

Bank of America responded to me by refusing to honor my request to have fraudulent charges removed. The refusal letter stated that XXXX charged " recurring subscription charges ''. This is a false statement, there are no recurring monthly charges associated with this game. 

Since then, Bank of America has added an additional {$5300.00} in charges associated with this company as well as reinstated {$790.00} on XX/XX/XXXX. 

XXXX has retracted more than {$1000.00} in-game credits, credits I neither authorized nor requested, even though Bank of America has reinstated the charges from XXXX. 

There is clearly a fraud being perpetrated here and Bank of America seems to be standing behind the billing company. 

I resubmitted my fraud dispute and again, Bank of America refused to remove the fraudulent charges from my account. 

My only crime was not checking more thoroughly my individual monthly transactions before paying my bill. I made monthly only payments as part of a scheduled budget.
Product: Credit reporting or other personal consumer reports

I have discovered name and address that belong to a different person on my credit report. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX. The following names are inaccurate and should be removed : XXXX XXXX, XXXX XXXX. The following address are inaccurate and should be removed : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX  NY XXXX ; XXXX XXXX XXXX, XXXX XXXX, XXXX MA XXXX ; This is my second attempt to requesting assistance in removing inaccurate personal information from my credit report. I am hoping for a thorough investigation into this matter to ensure that my consumer right are not in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  refuse to send me any document bearing my signature