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

In XX/XX/XXXX I noticed several incorrect items on my credit reports which I wanted to have corrected. I received a reply in XX/XX/XXXX with the results and nothing I had requested was addressed. I asked for specific account information with my signature showing that these items were mine and if so, I would gladly handle them. They only replied with the fact that they were mine. I contacted the company that said they were mine and they couldn’t verify yet they said they would not remove it unless I paid. The primary issues were the child support enforcement which is the same account and shows up 3 times with negative information and was killing my score. I spoke with the CSE and they corrected the information as current never late. Credit reporting agency would not correct even after sending them the information from CSE. Another issue was XXXX  which was a medical debt which was not mine either. The dates don't match for anytime I had been in the hospital and I had insurance at the time they said that. Yet they strong-armed me again. Bully tactics. "pay or it will stay". After that complaint I received another dispute result on XX/XX/XXXX showing 7 XXXX accounts. All of which total XXXX. Coincidence? I think not. They wouldn't remove or agree that they were duplicates. I have sent multiple requests and attempts. I eventually just paid the XXXX, XXXX XXXX, XXXX, that said I owed money in order to help my credit score so I could get a mortgage and provide a better home for my family. The XXXX XXXX issue was eventually removed due to them not being able to verify that it was mine and yet it showed back up just the other day in my Equifax report. We have XXXX  young children under the age of XXXX and can afford a mortgage but due to the change in score we were no longer able to qualify for the initial XXXX and went to XXXX and finally ended up receiving a denial letter and are not able to buy the house (attached). I went from an 800+ to below 600 due to the bully tactics of the "creditors" and the improper reporting of the Credit reporting agencies. I was able to get my score back up to a mid-700 in early XX/XX/XXXX but I can’t go any higher because the child support shows up as a collection and seriously impacts my score. As of now my score has dropped to a low 600 and I'm seriously having troubles securing a mortgage and I'm paying a ton of money due to increased interest rate on all of my other items. I have never been late on a payment nor do I owe anyone. Also, some of the items would be deleted and then added right back on within a few months. Then I would have to start this entire process over again. I have spent a ton of time and money trying to handle this and I’m at my limit. Credit reporting agencies need to be held accountable for their actions. I am also filing suit against them. To this day I am still battling them to remove the CSE.
Product: Credit reporting or other personal consumer reports

# 1 viewing my credit reporting and for some reason Trans Union feels the need to report a double closure of a single account and it has severely damaged my credit score. XXXX XXXX account XXXX. This account was closed my the lender due to negative items thats been under dispute and willfully report within having valid evidence of accounts, legitimacy. Those accounts were just removed XXXX & XXXX XXXX XXXX collections because theyve been deemed as invalid accounts. 
With the removal of these XXXX negatively reported collection accounts along with the duplicate reporting of the XXXX account closing, my score dropped XXXX points. This action was intentional to inflict damage to my report and not allow for my score to reflect a better standing of consumer activity. 
There has been numerous negligent violation of my consumer rights, this complaint is to documentation for my discrepancies in small claims court. 

# 2 in inaccurately reporting the balances of my cards and credit usage just to keep my credit score on the lower end. 

I have a {$0.00} balance on my XXXX XXXX  account but Trans Union is reporting {$1300.00}. 

For both of my XXXX cards, I have a {$230.00} balance and a {$240.00}, yet Trans Union is that only credit agency that is reporting {$430.00} & {$570.00} as my balances dropping my score by XXXX points
Product: Credit card or prepaid card

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. 

My TRUIST BANK credit card was stolen from my mailbox and was used to make {$7900.00} in purchases from XX/XX/XXXX to XX/XX/XXXX before the account was closed. 

However, the closed account is still on my credit report, all 3 bureaus, and is hurting credit worthiness and my ability to get funding. 

Also, the closed account is still accruing missed payment fees and interest fees and is now reporting a balance of {$8100.00}. 

I have called a numerous amount of times to resolve this issue with TRUIST BANK and no changes have been made to my credit profile since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I realized my credit file was mismerged with a close relative, who, happens to have a similar name and middle initial. While the relative has a comparable name, their gender, birthdate and SS number are entirely different from my own. Furthermore, my relative 's address differs from my own as well. 

I filed a online dispute with Equifax. On the same day I dispatched a dispute email to the credit reporting agency. Shortly after I initiated the dispute, I received notice the reinvestigation was " complete. '' The notification from Equifax stated my ( new ) report was available for " review. '' After I reviewed the ( newly issued ) credit file I was surprised to learn the CRA failed to delete the inaccurate information. Simply, my family members personal identifying information continues to linger in my ( mixed ) credit file. 

I notifed Equifax on several occasions my file was " mixed, '' however the CRA ignores my claims and fails to delete the inaccurate data. Equifax reported, shared and continues to spread unreliable data for a fee. Instead of verifying the information and creating a new file, Equifax muddled our data together. 

I have evidence of the merged data, the correspondence of both parties, as well as the confirmation numbers pertaining to the disputes.
Product: Money transfer, virtual currency, or money service

I used Afterpay to buy a item from XXXX, my order was cancelled. I then reached out to customer service to ask if I shouldve filed a dispute, I also asked how long would the money take to show back in my account and if I should do any other steps. Ive gotten no reply on the app nor have I gotten a reply through my email. My order was cancelled 5 minutes after it was placed. My purchase was {$540.00} which was placed on XXXX XXXX  I paid {$130.00} upfront and the company has yet to reply or even remotely review my dispute claim.
Product: Credit card or prepaid card

Saw television program on XXXX XXXX XXXX offering a XXXXXXXX XXXX XXXXXXXX ( premium brand name ) purse on XXXX/XXXX/2022 and we then went online and purchased a purse for XXXX which we must have pulled a phony webpage that looked exactly like the real page. they sent a very cheap ( plastic purse ) value about two dollars without even the XXXX XXXX XXXXXXXX label. When we called the shopping network to complain they stated they had received numerous calls and were reporting to the local attorney general. I contacted capitalone one to dispute. Apparently they did not send any letters that i needed more information and re-posted the charge. I sent them a photo of the phone item and on package there was a phony address that read something to the effect of address mailed from is not address of merchant. Unfortunately could not contact merchant, capital one was of limited help ( apparently reps in foreign country with little understanding ) .They wanted me to spend more time and effort rather than reversing a charge.Also why would i ask them to cancel that card and request another if i did not feel i had been scammed and someone had my number.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is not correcting my name nor incorrect addresses on my credit report. They have my twin brother 's name on my report and I never had the name XXXX. My name is XXXX XXXX XXXX. Trans Union has mixed up my credit with my brother 's and admitted it but they won't fix it. I have had a dispute with them for over a year now and I'm losing patience and may consider hiring an attorney for this matter!
Product: Credit reporting, credit repair services, or other personal consumer reports

New York State Division of Child SupportXXXX XXXX, XXXX, XXXX XXXX, and Experian has repeatedly ignored my request to remove the inaccurate account from my personal private consumer report. By not doing all aforementioned parties are in direct violation of the following laws : 42 U.S.C. SECTION 666 ( 7 ) ( i ) Reporting Arrearages to Credit Bureaus- ( i ) only after such parent has been afforded all due process required under State law, including notice and reasonable opportunity to contest the accuracy of such information. And 15 U.S.C. 1681 ( A ) ( j ) ( 1 ) ( 2 ) ( j ) Definitions Relating to Child Support Obligations ( 1 ) Overdue support.

The term overdue support has the meaning given to such term in section 666 ( e ) of title 42. 
( 2 ) State or local child support enforcement agency. 
The term State or local child support enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing child support obligations. And 28 U.S.C. 3002 Definitions : ( 4 ) Debtor means a person who is liable for a debt or against whom there is a claim for a debt. And Supreme Court of the United States Court - Child support agreements are equivalent to interstate contracts and rejecting the idea that child support payment obligations are somehow " different '' ( citing XXXX XXXX XXXX, XXXX XXXX at XXXX ) United States Court of Appeals , Second Circuit . New York. And United States District Court District of Minnesota ( Division 4 - Minneapolis ) decision of XXXX XXXX Experian, XXXX and XXXX
Product: Credit card or prepaid card

On XX/XX/23 I applied and was approved for a capital one quicksilver secured credit card. Also on XX/XX/23 an amount of {$500.00} was taken from out of my checking account as a deposit towards my secured credit card. I Received a email on XX/XX/23 saying my new secured credit card was shipped. On Friday XX/XX/XXXX I received 2 envelopes one with my new quick silver secured credit card and another envelope from capital one stating " Dear XXXX XXXX XXXX we are closing this account because we have observed activity on your account that is not consistent with our expectation of usage for personal, family or household purposes. Please stop using this account immediately and destroy any cards and checks associated with it. '' A year or two ago I previously had an account with capital one with a balanced that was paid in full but it was closed with not explanation. So I was a little taken back after the fact that not only I put in my personal information but I received a approval email and I gave capital one {$500.00} just for them to send me a card in the mail and then closed my account. I spoke with a capital one fraud prevention representative named XXXX on XX/XX/23 and asked him is this a recorded line and he replied yes and I asked him how is my deposit is going to be sent back to me and how long it takes. XXXX responded and said capital will send me a check after 2 billing cycle which means 2 months and XXXX also explain to me he can't give me any further information why my account was so suddenly closed so he transfer me to his supervisor which her name is XXXX and I explained to XXXX my situation but there was nothing she could do as well. Not only that I am being inconvenienced because capital one didn't do their due diligence and deny me once they received my social security but now I have to push bills that I was planning on using the card with back but I also have to wait almost 3 to 4 months for me to even get my money back into my account without any receipt saying if my refund is on the way and no explanation on why my account was closed and I can't no longer use my new card.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  says that I owned them XXXX dollars they send the bill to collection on my credit account it says I opened it on XX/XX/XXXX of XXXX  Ive never been to hospital quite some time now this is not my bill Ive tried to dispute it with XXXX, on XX/XX/XXXX  my results were not changed even with equifax as well Ive yet not received the result Ive been looking for, i honestly feel like they violated 15 u.s.c 1692d
Product: Checking or savings account

Dear CFPB, I am writing to file a formal complaint against Chime regarding an unresolved issue with an unauthorized transaction on my account. Below are the details of the situation : Claim ID : XXXX Account Number Ending : XXXX Dispute Type : Debit - Unauthorized Transaction Claim Amount : {$280.00} Date Error Reported : XXXX Chime has denied my claim, stating that their investigation found no error and, as a result, no funds will be credited to my account. However, I believe this decision is incorrect, as I did not authorize the transaction. I have not been provided sufficient evidence or details as to how they reached this conclusion, despite requesting documentation to support their findings. 

I kindly request the CFPBs assistance in this matter to review Chimes investigation process and help recover my disputed funds. This unauthorized transaction has caused me financial hardship, and I believe I am entitled to a refund under Regulation E. 

Thank you for your attention to this matter. I look forward to your assistance. 

Sincerely, XXXX XXXX XXXX : XXXX Phone : ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXXXXXX XXXX Balance : {$680.00} XXXX XXXX Balance : {$750.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$5500.00} XXXX XX/XX/2023.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1666B the account XXXX XXXX XXXX XXXX is a billing error. I am requesting that this account is changed to paid as agreed never late. Please see the attached consumer report which shows the inaccuracy in the payment history. How is XXXX reporting 30 days late in XX/XX/2023 while Experian and XXXX are reporting that the account was 30 days late in XX/XX/2023. At this time, I am not asking for a goodwill adjustment, I am requesting that this information is updated due to misinformation and negligence. Please update the account to paid as agreed never late. Please see the incorrect information on the credit report attached. I contacted the creditor to inquire about the payment history, and they informed me that the credit reporting agencies are not correctly furnishing the information that the company is providing
Product: Debt collection

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I have previously tried to resolve these issues directly with them. They are violating my rights, and I am entitled to {$1000.00} for each violation. They must either pay or delete these accounts immediately.
Product: Debt collection

Dear Sir and Madam, I just got call from XXXX, the caller said personal, business matter and she said already have all my information. So the caller want to verify my date of birth and Social Security Number. I said I cant give to you my personal information and ask her what is the reason verify my information. The caller keep saying personal and business matter and no explanation. 
The caller constantly ask what is my birthday and SSN. I feel she threatened me because she keep saying already my information she have. 
I realize no one ask personal information via phone or email even governor staff. 
Please investigate it why they ask the personal information through the phone even personal, business matter with customers. 
Sincerely yours,
Product: Debt collection

XXXX XXXX XXXX is saying I owe XXXX XXXX {$1600.00} when I never in my life have had a XXXX account. I have been under my moms account since 2001 under her att account and still have the same number till this day.
Product: Debt collection

I recieved an email in the form of an invoice from Paypal stating that I purchased bitcon in the amount of {$590.00} which is not true. I never purchased XXXX. Paypal issued an invoice to me via email for a debt I do not owe. I have reported this as fraud on the ftc website report # XXXX.
Product: Debt collection

Re : Validation and Proof of Claim As I have no account with you, nor am I your customer, nor have I entered in a contract with you, I request the following information to which I am entitled under Title 15 USC 1692 et. seq., the Fair Debt Collection Practices Act ( FDCPA ) : PORTFOLIO RECOVERY ASSOCIATE 1 ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2 ) What is your authorization of law for your collection of information?

3 ) What is your authorization of law for your collection of this alleged debt?

4 ) Please evidence your authorization to do business in my state.

5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

6 ) Please show proof to establish balances, payments, interest rate disclosures, etc. as alleged in your demand letter.

7 ) Please sent proof of Assignment Contract.

Pursuant to 15 USC 1692g, you have 30 days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all claims in this matter, and will entitle me to presume that you sent your letter in error, and that the matter is permanently closed.

This Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. In addition, this Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. Moreover, this is a request for information only, and is not a statement, election, or waiver of status.

I look forward to your prompt reply. I am insistent that you also send a copy of this dispute to the original creditor, so that they do not report this on my Credit Report.

I further insist that if you have reported me to a Credit Reporting Company, you tell them that I am disputing this depth. 



Sincerely, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX there was a hard inquiry from Cap One XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX There was a hard inquiry on XX/XX/XXXX from Capital One XXXX, VA XXXX ( XXXX ) XXXX Also on XX/XX/XXXX one from XXXX   XXXX, PA XXXX ( XXXX ) XXXX None of these did I apply for. I have not applied for any credit card in over 20 yrs there's are now affecting my credit score!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I reached filed a dispute with the Credit Bureaus due to inaccuracy on my Credit Report these accounts below In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights and failed to do or provide a thorough investigation within a timely matter or legal which is not only disappointing but unfair to me as it impacts me on the daily. 
15 U.S.C 1681 SECTION 602 A states i have the rights to privacy 15 U.S.C 1681 SECTION 604 A Section 2 : States a Consumer reporting agency can not furnish a account without my written instruction Dear : To Whom Receives this letter This Letter is to dispute billing errors I found for the amount of {$5800.00} and {$710.00}. I do not recognize these charges and want these off of my credit report. It's an improper charge which I do not recognize and isnt valid. Please update and remove this inaccurate debt off my report. Due to debt error of this unknow fraudulent bill on my Report in collections. Its put a hold which I didnt realize until I looked into my Report Summary and notice a bill of {$5800.00} and {$710.00}. I need this to be resolved removed and updated. Due to the fact of this debt does not belong to me, I dont recognize or authorized it and want it removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please send me a Copy of my credit report with any updates done or inaccuracies corrected updated removed or validated to the address i have listed. thank you and hopefully we can resolve these inaccuracies in a timely manner due to the impact it has caused me and i hope this will be addressed and corrected.
Product: Mortgage

I XXXX and XXXX XXXX bought a home from XXXX in XXXX in 2008 our first loan was though star XXXX which sold our loan to chase well ever thing was good at first until i lost my job we did a loan modifcation application well ever since we did the loan modification ever time the say we default its when you get to the third payment the one that will lock you in well this is my home has been and i have been thought XXXX but i will keep fighting for my home until there is no more breathe in me can someone please tell me what to do how do you get chase to understand