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

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to XXXX about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXXXXXX XXXX XXXX : {$9700.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$8800.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : $ XXXX XXXX, XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6800.00} XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX Balance : {$0.00}
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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that arent reporting correctly.

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

Sent a letter by certified mail with return receipt asking for validation letter. To remove negative reports from credit agencies if one cant be provided. Also asked to stop all calls and limit to mailed contacts only. They continue to call by phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed requests to all three Credit Reporting Agencies demanding documentation verifying the accuracy of multiple items reported on my credit files with each agency, pursuant to Section 609 [ 15 U.S.C 1681g ], or the Fair Credit Reporting Act.The allotted time frame has elapsed for the companies to respond to my demand, either handling it as a standard dispute, or failing to respond at all, depending on which agency. These are nothing but stall tactics which I specifically warned each agency would not be tolerated. I have attached documentation showing my initial demand for verification. Any failure by each agency beyond this point will result in me forwarding all related documents to my State Attorney General.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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, credit repair services, or other personal consumer reports

i have truned in a police report and i have contected the companies for both of theses and truned in the police report please remove this off my credit persolve legal group acct number XXXX and XXXX XXXXXXXX
Product: Debt collection

On XX/XX/XXXX I received a notice from Casio partners saying they wanted to collect a debt owed to XXXX XXXX XXXX of {$1500.00} that was incurred XX/XX/XXXX I have never received a bill or call previously about this and have no medical problems or injuries that would have caused this bill I called Casio and asked what generated this and why I have never been contacted by anyone previously since it was from XX/XX/XXXX and have lived at the same address since XXXX. There has also never been anything else related to this on my credit report I was told it was up to me to find out why I supposedly owed this and what for I told them I wouldnt even know where to start looking and I dont owe it so I would retain a lawyer to help me get this off my credit and was told if I got a lawyer they woul not give me any XXXX regarding the debt.??????? 
This also shows up only on my transunion report and also like it started on XX/XX/XXXX when theyre letter says it is from XX/XX/XXXX Please help me with this as I feel I am being pressured to pay a debt thats not mine
Product: Debt collection

I received a letter now several years ago from XXXX XXXX XXXX that indicated their intent to file a law suit over a XXXX credit card debt with citibank. XXXX, XXXX works with " XXXX '' Law group as a predatory collection agency bthat uses law suitsa to harrass and malicioulsy attack consumers who may have experienced hardships. When I contacted them abouty making small payments as I have with other creditors, they demanded I pay the entire amount or payments clearly designed to threayen and intimidate consumers such as myself. 

They showed no respect, courtesy or interest in making a small payment arrangement especially in the time of the covi d pandemic when many including myself are undergoing sigificant hardships. This company uses aggressive and threatening legal tactics, and makes no attempt to work with consumers launching into lawsuits as a way of bullying and mistreatment.
Product: Credit reporting, credit repair services, or other personal consumer reports

After getting my free annual credit reports in XX/XX/XXXX, I noticed a problem with a late payment with XXXX XXXX XXXX. I disputed the claim with all 3 credit reports, but all were declined because I did not provide proof of my claim that I was not late. Yesterday, I got my free credit reports from 2 of the 3 credit bureaus. The problem with XXXX XXXX XXXX still exists because I did not handle it. My fault. So, I disputed the claim with XXXX XXXX XXXX yesterday with XXXX. They accepted my dispute again with no problem, and this time I provided proof by attaching files with my dispute. BUT EXPERIAN FLAT OUT REFUSED TO ACCEPT MY DISPUTE! They stated that they already reviewed the matter. So, my complaint is about whether or not they are allowed to refuse my dispute? There are too many rules, regulations, and laws involved looking into this. If XXXX accepted it with no problem, how is it Experian is able to reject my dispute a year later? And as soon as I can access my XXXX credit report, I will dispute the same thing again. Is it legal that Experian is able to pick and choose, or reject someone's dispute on their credit file? How are people going to dont o be able to fix problems with their credit files if credit reporting agencies like Experian can do what they want when they want? Date generated : XX/XX/XXXX Report # XXXX.
Product: Debt collection

I am writing to request validation of the debt associated with account listed with Plaza services LLC, Under the Fair Debt Collection Practices Act, I have the right to request verification of this debt. 

Please provide me with the following information : 1. Chain of assignment and any validation of debt contracts.

2. Signed contract between said responsible party listed and Collection company Plaza Services LLC.

3. Documentation that confirms I am responsible for this debt with Plaza Services LLC for said account. 

Please cease any collection activities until this debt has been validated. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

Someone reported a number of inquiries on my credit reports. I have no knowledge of them and would like to file a complaint to have the credit bureaus remove them. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I have received a letter from Porsche Financial Services claiming they have a contract with my for a promissory note associated with a XXXX XXXX XXXX XXXX  VIN XXXX XXXX I have possessed this vehicle since XX/XX/XXXX but I believe the company is mistaken about any claims they have regarding a contract. They are even going so far as to file motions against me in a court of law claiming their right to collect payments or repossess my property without my consent. I am seeking proof of this contract so that I might respond appropriately. 
Answering these XXXX questions should be sufficient to helping me determine if an enforceable contract, that is a contract that documents exchange between XXXX parties, was executed between myself and Porsche Financial Services 1. Porsche Financial Services alleges that they provided me with a certain amount of bank credit as the consideration they provided to secure the contract. I require a full description of this bank credit. The amount they list is {$94000.00} Federal Reserve Notes. 

2. Where did these credits/notes come from? Provide evidence. 

3. What in reality do these credits/notes represent? credits/notes of what? A measurement of gold? An amount of silver? Provide evidence. 

4. Did Porsche Financial Services possess the assets represented by these credits/noted prior to the alleged exchange? Provide evidence. 

5. Were the assets represented by these credits acquired by lawful means? Provide evidence. 

6. If Porsche Financial Services can not provide sufficient lawful answers to these questions pertaining to these bank credits, how is there any proof of consideration made by them? Provide reasoning that is faithful to all mens rights of equal protection under the law without any special privileges. 

7. If there is no proof of consideration, how is there any proof of an exchange between myself and Porsche Financial Services? 

8. If there is no proof of exchange, how is there a contract between myself and the company? 

9. If there is no proof of a contract, doesnt it follow that any claims or entitlements granted by this non-existent and illegitimate contract should be dismissed by law? 

In order for a contract to be valid, there has to be proof that something real was exchanged between XXXX parties. Please provide evidence that demonstrates the nature of bank credit and that this asset existed prior to the contract being signed. Provide evidence that bank credit is not more than fabricated journal entries and represents real assets that can be used as consideration in a contract. If such evidence can not be provided, by law, I request that this company drop all claims of breach of contract against me or prepare to face either the full penalty of the law or the consequences of violating an individuals right to property ( ie his unquestionable right to self-defense )
Product: Mortgage

On XX/XX/XXXX at XXXX I received a call from Chase offering me interest rate info. I don't bank with Chase and I don't want them calling me offering me anything. It was a robo call so I hung up. The number they called from is XXXX XXXX XXXX
Product: Credit reporting

XXXX XXXX XXXX Account showing up as a collection account is not mine. Possible fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing Erroneous Information on my credit report since XX/XX/2022 and I have been waiting for the Credit Bureaus to respond but up until now, I haven't gotten anything from them. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, TransUnion, and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. I am requesting this information to be reviewed for completeness and accuracy and appropriateness. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Good afternoon. In XX/XX/XXXX we began a refinance process with our current mortgage company, Freedom Mortgage. Of course, as requested, we submitted all paperwork and documentation as it was requested and in a very timely manner. We were told that we would close on several different dates, all of which never happened. Yesterday we were told that our rate had expired and that we would be responsible for the penalty even though we had followed all of the directions and requests. The penalty would increase our mortgage payment by over {$100.00} a month ... .not making any sense to refinance if that 's the case. We were told even though we had done what we were responsible for, we would pay the penalty and there was nothing they could do. Unacceptable
Product: Credit reporting or other personal consumer reports

They sold these accounts to XXXX and even though theyre paid they are still reporting them as delinquent
Product: Credit card or prepaid card

On XX/XX/2022, I submitted a credit card dispute to Chase Bank via fax for two charges that I incurred from two merchants, XXXX XXXX and XXXX XXXX XXXX. The background and my rationale for disputing these charges are detailed in my letter to Chase ( attached to this complaint ). 

Not hearing anything, I contacted Chase via phone three days later. The customer service rep was able to see the fax that I sent, but the dispute wasn't processed ( for reasons not explained to me ). With me on the phone, the rep then walked through the process of starting a dispute. 

A few days later, I noticed an account credit for the XXXX charge on my electronic statement, but nothing for the XXXX XXXX charge. When my statement closed this past week, I see that the XXXX charge was reinstated. 

Chase has never contacted me to either notify or explain their reasons for rejecting the disputes. I am still out {$1700.00} and have nothing to show for it.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I noticed some instances of late payments on an account for which Ive always made timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information, and its imperative that this information be reported with utmost accuracy. Ive never missed a payment on the following account : XXXX, Account Number : XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If youre unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as Ive consistently upheld my payment obligations without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX to have an inquiry delete from my consumer report that happen on XX/XX/XXXX and XX/XX/XXXX. The sent me a letter backing requesting the credit bureaus to delete the inquiry on my consumer report. I've sent a copy of the request to the credit bureaus and they didn't comply even though I provided proof to have the inquiry deleted .I 've spoke to an supervisor and the company told me that didn't have any I sent " i attached everything down below I sent and proof to have the inquiry deleted.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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, credit repair services, or other personal consumer reports

I submitted a letter to Experian dated XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. Please have these accounts repaired : XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$27000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, XXXX # XXXX, DO : XX/XX/XXXX, Amount {$13000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX Card, AC # XXXX, DO : XX/XX/XXXX, Amount {$11000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX Bank, XXXX # XXXX, DO : XX/XX/XXXX, Amount {$10000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.
Product: Checking or savings account

My sister and I abruptly had both checking and savings accounts closed by Wells Fargo, I was notified 4 days later. We had the accounts for over 10 years with no issues. Always had a large balance in both accounts. 
The bank claims they had no physical address on record for my sister, but she has proof they did. She can only receive mail at a po box due to living in an area where mail is not delivered. I have my address in their records. I went to my local branch, and she went to hers ( in different cities ) and asked for our money. We were both told it had to be mailed! And could take a month to receive! And no, they can not reinstate our accounts!