23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

It shows on My XXXX report XXXX XXXX XXXX is reporting loans account # XXXX a 90 days late as XX/XX/XXXX. I have dispute the information with XXXX  and they sent a letter stating the information were correct with no proof. I also reach out to XXXX XXXX XXXX XXXX several of times, they also stated the information were correct. I spoke with a Rep XX/XX/XXXX. She stated she will open another dispute and will reach back out when dispute is finalized. I have not received an email or notification regarding this matter. My account never been late I always had my account in Deferment or forbearance status. There is no way I could have fell in a 90 day late status
Product: Payday loan, title loan, or personal loan

I XXXX XXXX XXXX XXXX, have tried to contact Pioneer Services but they have closed for business as per their website ( https : //www.pioneermilitaryloans.com/ ) and the have sold my loan to XXXX XXXX  XXXX XXXX XXXX XXXX . I have tried to contact the new company and inform them about the XXXX and that I'm XXXX XXXX military. The company is NOT reporting to the credit bureaus and I'm left with pay the loan at the APR and with out it show on my credit report which is negatively effecting me.
Product: Credit reporting or other personal consumer reports

Method of verifications XXXX Collection with account # XXXX opened on XX/XX/XXXX and a balance of {$1100.00}. 
I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Equifax failed to perform an investigation and delete the disputed information. 
XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$9000.00}. 
I am requesting a description of the investigation procedure according to 15 USC 1681i ( 7 ), which states that if requested by the consumer, this must be provided within 15 days to comply with FCRA guidelines. With this investigation, please provide the method of verification 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), full disclosure of the investigation, and all of the documentation received during the investigation. Please remove the account if this can not be provided in the next 15 days. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1800.00}. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$16000.00}. 
I am requesting a description of the investigation procedure according to 15 USC 1681i ( 7 ), which states that if requested by the consumer, this must be provided within 15 days to comply with FCRA guidelines. With this investigation, please provide the method of verification 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), full disclosure of the investigation, and all of the documentation received during the investigation. Please remove the account if this can not be provided in the next 15 days. 
Collection account from XXXX with account # XXXX and a balance of {$2800.00}. The original creditor is XXXX XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.
Product: Consumer Loan

I leased my car with XXXX XXXX.  I gave them a 
check for $XXXX for down payment of a new car.  I was called in their
office and they changed the terms on me.  In addition, I found out from
KIA FINANACE that I was over billed for $XXXX.  I put a stop payment
on the check immediately. I went back and forth
with the dealership to try to resolve this matter.  I got the run around.  It 
took several months after calling their corporate office and complaining 
to KIA headquarters.  I have paid this debt and they have reported to the 
credit report agencies.  It was their lack of integrity and unwillingness to
resolve this issue in a timely manner after also jacking up my 
monthly payment by having me re-sign new papers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully drafted a letter after reading about fixing my credit on my own. 
I have wrong names and addresses and previous employers that are wrong and mutiple accounts that are labled as charge off with balances still owed and that is illegal to report that along with the fact I never recieved a 1099 for these items and some other accounts I was not late on and don't belong to me.
Product: Debt collection

am writing to request the method of verification used in connection with the investigation of the dispute I submitted regarding the accuracy of information on my credit report, as allowed under 15 U.S.C. 1681s-2 ( e ).

Disputed Information : Creditor Name : [ Nelnet ] Account Number : N/A Description of Inaccuracy : [ not my debt ] I appreciate the effort you have undertaken in investigating my dispute. However, I am now seeking specific details regarding the method of verification employed during this process, as required by the aforementioned section of the Fair Credit Reporting Act. 
Pursuant to 15 U.S.C. 1681s-2 ( e ) ( 7 ), I request that you provide me with a description of the procedures used to verify the accuracy of the disputed information, including the names and addresses of any third parties involved in this verification process. 
I expect your response to this request within 15 days of receiving this letter, as stipulated in 15 U.S.C. 1681s-2 ( e ) ( 8 ). Your timely and detailed response will help me better understand the steps taken to verify the disputed information. 
Please send all correspondence related to this matter to the address listed above. I appreciate your cooperation in ensuring compliance with the Fair Credit Reporting Act. I am exercising my rights under the FDCPA to request the following information : 1. Verification or proof of the alleged debt, including the original creditor 's name and address. 
2. Documentation evidencing that the collection agency has legal authority to collect this debt.

3. A complete accounting of the alleged debt, including all charges, fees, and interest applied. 
I also request that you provide me with a copy of the agreement that authorizes the creditor to assign or sell the debt to the collection agency. 
Furthermore, please provide verification that the statute of limitations on this debt has not expired. 
I understand that, under 15 U.S.C. 1692g, you are required to provide me with the requested information within 30 days of receiving this dispute. 
Failure to do so will result in the assumption that the debt is not valid, and you must promptly remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and I am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes I sent out. Now please help me this because I will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who I am.
Product: Credit card or prepaid card

Dear Representative, Please see the details of my fraud report below. 

Last Name : XXXX First Name : XXXX XXXX Middle Name : XXXX Credit Card Number : XXXX XXXX XXXX XXXX Expired : XX/XX/XXXX Credit Card Company : Capital One My credit card expired XX/XX/XXXX, and I have never received any new credit card for renewal. 
I have one automated payment every month on the credit card noted above- XXXX credit reporting membership. 
I have cancelled my membership with XXXX in XX/XX/XXXX- Membership ID # XXXX. 
I am being charged since XX/XX/XXXX every month for membership ( after cancellation ). 
XXXX customer service confirmed my cancellation. 

Could you please help me. I have been paying to a credit card that do not exist automated payments + interest charges + Annual fees, and being charged for a XXXX membership that was cancelled 17 months ago. 

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

had a van, XXXX XXXX was the lender, purchased the van after a bankruptcy Tidewater listed the account on my credit report and my wife 's all three as filed bankruptcy. we reached out to XXXX XXXX XXXX after trying to trade the van in, the car dealership told us that they could not take the van because we filed bankruptcy and was told to give it back. they sold us a new car and Tidewater took the van back and now are trying to sue me and my wife.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX filed first complaint and dispute of misinformation on my report. My report hasn't been updated from two closed accounts that were settled. Also, misinformation is displayed on my account regarding a collector for a collection that was included in my XXXX Bankruptcy filing. 

The responses received only stated that the issues were still being investigated after 60 days has gone by.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX U S DEPT OF EDXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX U S DEPT OF EDXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : XXXX US DEPT OF EDXXXX XXXX Balance : {$0.00} USDOE/XXXX XXXX Balance : XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the CRAs numerous times regarding the inaccuracies on my report. I have filed a complaint with you in the past regarding these accounts not only being inaccurate but not providing documentary evidence. Some of the accounts have been deleted and then returned which means they went against your ruling and re-reported them. Most of the collectors are violating my consumer rights stated in 15 US Code 1692g and 15 US code 1692f. I have copied and pasted the accounts. I have reached out to both creditors and CRAs regarding these accounts for verifiable proof and given only generated responses and no documentary evidence. 

XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : ) XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

They have 2 entries on my Credit report for same debt, one from XXXX, and the other the collections agency NCB management they sold too, I disputed but somehow they are saying its accurate its not only 1 entry should say I owe the money either XXXX, or NCB not both. 

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

I was part of the Equifax credit information hack. It is unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. I am writing to demand that credit freezes and unfreezes be made free for individuals on which these credit companies store information. These companies already collect and sell our data, in an industry where their services are required. I ( nor any other consumer ) should be required to pay these companies to protect my information when, through their own errors, they lose the information they have been collecting without my consent anyway.
Product: Credit reporting or other personal consumer reports

Back in XXXX of 2023, I sent in a validation of debt letter to IQ Data International. They responded without answering any of my questions pertaining to the debt. Sense then, I've sent in numerous dispute letters to the XXXX XXXX credit bureau 's, pinpointing violations to the fair credit reporting act. XXXX removed this account due to the inaccuracy, but XXXX and XXXX continues to report it. The information was never validated and there are several violations in the way it is reporting currently.
Product: Mortgage

I receive HAF payments in the amount of XXXX. However these payments are posted to the account on different dates each month and in order to avoid late reporting to credit and late fee I made a payment on XX/XX/2023 in the amount of of XXXX the reason i made the payment in this amount is because my mortgage insurance increased and my escrow monthly is XXXX. So the amount that HAF pays is not enough to pay the full mortgage and I am responsible for the difference. I wanted to pay down my escrow so that my mortgage payment does not increase. I called US bank and spoke to a rep who told me to pay XXXX directly towards the escrow and that she would put in a request to have a escrow analysis done so that the monthly payments would decrease. I made the payment and the rep put in the request and advised that it will take up to ten business days. 

As of today XX/XX/2023 I reviewed my account online and it shows that the payment of XXXX is in a suspense account and that I have a past due balance that was due on XX/XX/2023. I called Us bank and spoke to someone in mortgage assistance that's states that because I paid XXXX and not the difference they can not apply the funds to my past due mortgage and basically stated that HAF paid the balance because of unemployment. I told the rep that I was never unemployed and that HAF assisted because of the reduction in my income.

I also asked as to why I am charged late payments when HAF sends batch payments to the bank on the first of every month and its not fair that I am charged a late fee because US BANK doesn't post on time. This unacceptable and the XXXX should be applied to my mortgage payment especially since it is showing past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - partial account number XXXX and XXXX XXXX XXXX partial account number XXXX****XXXX are reporting duplicate line items to XXXX ; XXXX and Transunion a collection in the amount of {$3100.00}. ( Please see page 2 of the attached credit report. ) This duplicate reporting of a collection is a violation of the Fair Credit Reporting Act and this line item needs to be removed from my credit report. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to fix this issue, however I have not been successful.
Product: Checking or savings account

I sent {$2000.00} to my friend on XX/XX/19. My account was locked on XX/XX/19, stating suspicious activity in the account. I contacted Chase Customer Service on XX/XX/19 and I was told that they could do nothing over the phone and that I could walk into any branch and show 2 forms of identification to unlock the account. 

I went to the Chase XXXX XXXX branch on XX/XX/19, where they verified my 2 forms of identification and the name of my friend to whom I sent the money. I was told that my account was locked to ensure the money was sent to the correct person. The Chase branch banker called up Customer Care to notify that I showed them the 2 forms of ID and to unlock the account, but Customer Care said my friend 's name was not the name in the receiving bank account and that they think my account is compromised and my account can not be unlocked. My funds are now frozen and they refuse to close my account. 

I was told by the branch manager that I would not be able to open a new account with Chase and that I should come back in 2 days, for them to call Customer Care again to see if my funds could possibly be released and my account can be closed. 

The people at the branch were very understanding and apologetic about the situation.
Product: Credit card

My Wells Fargo Cc card was closed due to inactivity, I didn't get the notification letter till recently.ans I didn't know they would close the reward account too. Nor they mentioned in the letter. 

I had {$420.00} in my rewards account XXXX They refused to get back me the money in my rewards account even tho I reopen my CC. 

I have called customers service and they refused to refund the reward
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 I am reporting a fraudulent inquiries found in my credit report
Product: Prepaid card

I purchased a gift card from XXXX 's grocery store in Arizona for {$200.00} about 4 months ago. The gift card company is XXXX. By the time I first went to use the gift card, the full {$200.00} had been withdrawn in a fraudulent transaction in California. I processed a fraud claim with the company and they sent me a replacement card for the full {$200.00}. By the time that card arrived to my house, the full {$200.00} had again been taken in a fraudulent transaction in California. I processed another fraud claim with the company and they again sent a new card with the full {$200.00}. That card arrived to my house and I checked the available balance and the full {$200.00} was available. Within 3 days, the full {$200.00} was taken again in a fraudulent transaction in California. I processed another fraud claim with the company and a replacement card with my name on it was sent to my house. Before I was able to use that card, someone contacted the company, registered the card ( with my name on it ) into their name and address - and asked for a replacement card to be sent to their house. I called the company to report a ( XXXX ) fraud claim and was now told that because they let the person register the card ( with my name on it ) in their name, I could not even submit a fraud claim. The replacement card with my {$200.00} balance is going to their house and I can't stop it nor can I get my money back nor can I enter a fraud claim. 

I want my {$200.00} back from the company and I will never purchase from them again.
Product: Credit reporting

Have disputed this account with XXXX Transunion numerous times. Account has not fully been investigated properly. Have not been provided with information and different information being reported to each bureau. Have requested full verification as each report is showing different information and have yet to receive adequate proof of ownership. Have received statements but nothing proving I own the account and inconsistent information being reported across all XXXX bureaus.
Product: Credit reporting

While perusing my credit report, I noticed several items I did n't recognized. A address I did n't recognize and a collections bill from XXXX and XXXX I did n't incur. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a immigrant and I would never not pay my bills. This is fraud on my report I nee assistance. Is it because Im a immigrant Im being taken advantage of?. Is it normal practice to be forced to pay something not yours. I can be sent back home if I have disrepect to this country. The people here are dishonest? I need these items and inquireies off my credit to get my citizenship XXXX XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$530.00}, Payment : {$0.00}, Issue : Identity Theft XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$200.00}, Payment : XXXX XXXX, Issue : Collection/Chargeoff XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$130.00}, Payment : XXXXXXXX XXXX XXXX , Issue : Collection/Chargeoff XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$280.00}, Date : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Issue : Collection/Chargeoff XXXX XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX XXXX  - XX/XX/XXXX XXXX Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX - XX/XX/XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized XXXX - XX/XX/XXXX, Date : XX/XX/XXXX, Issue : The inquiry was not authorized