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

I have written to chase about this and they have asked me to contact credit reporting agencies / bureaus directly. The information reported on my credit report for missed payments in the year 2020 for chase freedom card ending in XXXX was inaccurately reported. I enrolled into chase 's covid-19 protection plan with the understanding that the account will not be reported. However, upon communication with them, it seems like the account was reported for late payments. 

The state of california has issued legislation on consumer credit protection. This information can be found on their official website : https : //covid19.ca.gov/get-financial-help/. I have verified with the state that my credit score would be protected and remain unchanged.

Their website clearly states that credit scores would not be impacted due to the impact of Covid-19. I request you restore my credit score back to XXXX or XX/XX/2020, before the pandemic was declared.
Product: Credit reporting or other personal consumer reports

This was filed on my behalf. The account was removed from XXXX and XXXX. XXXX refuses to remove this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To Who

m It May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law. As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountabl
e. 

Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). 

I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.CaI. XXXX XXXX, XXXX ), you may be liable for your willful noncompliance. 

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : 1. Identity Theft SOC SEC ADMIN OFFICE O Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the Federal Trade Commission. 

Should you continue to operate with complete disregard for the law, I intend to seek redress in civil action for recovery of damages, costs, and attorney fees. For this purpose I am carefully documenting these events, including the lack of response REQUIRED under law from you. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you had 30 days to complete your re-investigation, yet you have failed to respond. Further delays are inexcusable. 

Be advised that the description of the procedure used to determine the accuracy and. completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation. 

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

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
2. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
12. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
15. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

On XX/XX/2018, I moved out of The XXXX XXXX  in XXXX, WA. Apartments are attempting to keep my deposit and charge additional fees. I have photographic documentation the apartment we cleaned, along with a receipt for carpet cleaning-which the claim was dirty. They turned over the account to IQ Data International in XXXX WA. I advised IQ Data in writing and on recorded call that in fact, XXXX owes me approximately $ XXXX-my {$250.00} deposit less last billing of utilities. I advised IQ Data that I have filed a claim in small claims court in XXXX XXXX Washington. I received notice via XXXX XXXX on XX/XX/2018 of a new, derogatory entry on my credit record by IQ Data International. It did affect my score.
Product: Credit card or prepaid card

I applied for a Discover credit card and received a denial notice. I tried calling however no rep was available. The Equal Credit Opportunity Act states that credit is the right granted. Me being denied is viewed as discrimination and defamation of character because this is placed on my credit account as being denied, I received a hard inquiry that has negatively impacted my score as well.
Product: Debt collection

XXXX XXXX, a division of XXXX, has submitted a bill to collections against me. The charges are related to an energy bill for XXXX of XXXX for a former residence of mine. I vacated the home, and closed all accounts with XXXX, in XXXX of XXXX. 15 months later, they assigned these charges to me. Upon investigation from the collections agency, it was revealed that XXXX had sent a meter-reader to the home, 15 months after I vacated the property and closed my account. Based on that reading they assigned charges to me of {$230.00}. These charges took place 15 months after I had lived there. Multiple other XXXX accounts had been opened by the new residents at the home since mine was closed. XXXX has been unable to offer me any explanation as to why these charges were assigned to me, and have stopped returning my calls and emails. I have contacted all XXXX major credit agencies to dispute the collection ( which caused my credit score to drop significantly ). After investigating, all three determined these charges to be unlawful, and deleted it from my credit report. 

I would like for there to be an investigation into how a company like this can simply re-open an account that I closed 15 months prior, and start adding new charges. There was no attempt to contact me regarding this debt, in fact I have had no contact with the company since the day I closed my account upon my relocation in XXXX XXXX. They simply sent this directly to a collection agency.
Product: Credit reporting or other personal consumer reports

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 Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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: Credit reporting or other personal consumer reports

I had XXXX  loans serviced by XXXX. I paid these off in full on or about XX/XX/year>. I waited 5 months for my credit report to get updated to reflect that I paid these loans in full, but it never happened, so I contacted XXXX, and after they didn't respond I contacted TransUnion in order to have my credit report updated to reflect that this debt had been paid in full. After I submitted my dispute to TransUnion my credit report with them was updated. All of the accounts were marked as " Paid, Closed; was Paid as agreed ''. However, a mistake was made and XXXX account also had the remark " SETTLED-LESS THAN FULL BLNC ; CLOSED '' added to it. This is incorrect, I paid this account in the full amount and did not settle it. I disputed this account twice, and called TransUnion and nothing was done to fix this. My credit score dropped by close to XXXX points because of this inaccurate remark. All other credit agencies have this account marked as paid in full except TransUnion, and the XXXX  loan servicer does not dispute that it was paid in full and was not settled. I need this remark removed from this account. I've never settled any account for less than the full amount I owed. 

I've submitted multiple disputes through TransUnion, and via phone through XXXX, and this has not been resolved. THIS HAS BEEN A PROBLEM FOR MONTHS. I am very close to taking legal action against XXXX over this issue. This is my last attempt before proceeding with that legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to all three credit bureaus : XXXX, Experian, and XXXX an regards to hard inquiries and late payments that reported to my credit report UNAUTHORIZED, NO WRITTEN CONSENT an other words NO CONSENT IS IDENTIFY THEFT. I have sent Federal Trade Commission ( FTC ) Identify Theft report via certified mail an order to track its deliverance to each credit bureau because its vital to me to have these items removed from my credit report. I did follow up calls and was given false information from XXXX that they didnt receive the letter but I have proof from tracking the letter. Experian only removed selected items and XXXX refusing to remove items.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

XXXX 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 Last 4 of account number, can not located actual account number ) XXXX XXXX  : # XXXXXXXX XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXXl : # 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 an 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: Money transfer, virtual currency, or money service

The company is having financial issues, before they announce they will freeze the withdrawals, I submitted my withdrawal request on XX/XX/2022, the funds suppose to be cleared on XX/XX/XXXX however it is still pending as of XX/XX/2022. Total current market price was of the funds were $ XXXX in different crypto. XXXX XXXX, XXXX eth and 34 USDC
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries listed on my XXXX, Experian and XXXX XXXX credit report are fraudulent and unauthorized : XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX  XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, and XXXX XXXX XXXX, XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed said item. ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance XXXX : {$0.00} XXXX XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX  XXXX Balance Owed XXXX {$150.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$410.00} XXXX  XXXX Balance Owed : {$0.00} Medical XXXX Balance Owed : {$90.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the numerous inaccuracies and unauthorized activities reported on my credit file, as well as the ongoing issues with your handling of my case. My ordeal began in 2015, and despite multiple attempts to resolve these issues, I have faced persistent neglect and unresponsiveness. Unresponsive Customer Service : Each time I call your office, I am directed to representatives who lack proficiency in American English, making effective communication nearly impossible. Furthermore, I have repeatedly received letters from your agency stating that you refuse to investigate my disputes, claiming that a credit repair lab is involveda claim which is completely untrue. I have submitted a valid police report clearing my name, yet your agency continues to disregard it. Inaccurate Personal Information : Even my basic personal information, including my name and address, is incorrect on your records. Please note that my correct address is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX It is unacceptable that this misinformation persists despite my repeated attempts to correct it. Unauthorized and Bogus Inquiries : I have identified several unauthorized inquiries and accounts on my credit report that I believe your agency has mishandled. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never provided permissible purpose for these accounts, nor have I authorized the establishment of these accounts. The persistent presence of such items leads me to believe that your agency has failed to take adequate measures to protect my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX, Mi XXXX XXXX XX/XX/XXXX Subject : Fair Credit Reporting Act, Section 609 Dear Credit Reporting Agency ( XXXX, XXXX, or XXXX ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX, account number XXXX. 

As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

My identifying information is as follows : Date of Birth : XX/XX/XXXX SSN : XXXX As proof of my identity, I have included copies of my VA entitlement, Social Security card, drivers license, rental agreement, and a cellphone bill. I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted. 

I only ever had one credit card with XXXX XXXX and there was only ever one missed payment. XXXX XXXX is reporting it as two trade lines, and one with 3 total missed payments. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

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

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

They contacted me by email and telephone. I made payment arrangements to make a payment on XXXX/XXXX/2015. They are still sending threatening emails and called my employer and a family member. My family member just called me wondering if I was ok. They did this on XXXX/XXXX/2015
Product: Credit card or prepaid card

Bank of America charged me an interest fee charge of {$47.00} on XX/XX/2019 for credit card balance of {$3900.00} due on XX/XX/2019 according to the statement dated XX/XX/2019. On XX/XX/2019, I made a payment of {$4800.00} before the due date of XX/XX/2019. The balance left was {$260.00} as of XX/XX/2019 because this was a pending charge therefore I could not included it in my payment. 

On XX/XX/2019 Bank of America statement shows a second interest fee charge of {$50.00} for a balance of {$260.00} which was due on XX/XX/2019. 

I called them on XX/XX/2019 and talked with XXXX. 

He stated they charged me the second interest fee for the balance carried from XX/XX/2019 to XX/XX/2019 but I emphasize that the due date for that balance ( i.e. {$5100.00} XXXX was XX/XX/2019. As I mentioned above, I paid {$4800.00} on XX/XX/2019. Therefore I should not be charged interest for it.
Product: Mortgage

My mortgage company has been asked since XXXX to refund escrow overpayments and assess my escrow. Currently they are HOLDING {$13000.00} in escrow. My yearly taxes at {$8000.00}, and my insurance is {$2500.00}. At the VERY least, I should have a {$2000.00} plus refund, and they refuse to complete an eval of my account and process my refund. We have contacted them 7 times, we have waited four months, they acknowledge there is an issue but continue to refuse to rectify the issues.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I dispute fraudulent inaccurate information on my consumer report. The company failed to provide me with the method and procedure used to verify the information. Per 15 USC 1681d ( a ) ( 1 ) the reporting agency must notify me, and have failed to provide the contact made and to whom it was made to15 USC 1681d ( 4 ).