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

Dear Experian : To ensure that your company is reporting account 100 % accurately, I would like to know the procedures used to investigate this inaccurate collection account. Did you even conduct an investigation because it is still not reporting 100 % correctly? 
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. 15 U.S. Code 1645 Business credit cards limits on liability of employees XXXX 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. 
4. I previously disputed this account. I don't agree with the results of your investigation. Please mail me proof of your investigation or delete the negative information. 
XXXX 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. 
5. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXXXXXX XXXX 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. 
6. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
8. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX XXXXXXXX Account Number : XXXX  Please correct/update this inaccurate information on my credit report. 
9. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 
30 days should be enough time to get back with me. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX  FIN XXXX, XXXX XXXX, XXXX  RM XXXX, XXXX XXXX, XXXX  XXXX INQUIRIES XXXX  DC - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX OF XXXX - XX/XX/XXXX, XXXX CO - XX/XX/XXXX, XXXX  - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

Hello, I am requesting that Chase reopen a dispute. 

The original reason for the dispute was incorrect. It states that I did not receive the goods, which is not true. The dispute should reflect that the item was not as described. 

I have asked Chase to correct this, but I have not received any assistance. This issue is affecting my interest and daily balance. Additionally, I have received multiple responses from Chase, all with different outcomes. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX and something got a XXXX  XXXX card in my name and the credit bureaus will not remove it I have proof that I was incarcerated before, during, and after the account was opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, To whom this may concern ; I mailed a Multiple Inquiry Removal Letter and have made numerous online disputing attempts in regards to 7 hard inquires on my credit report. Each dispute has ended the same with Equifax stating the same response to each inquiry " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' These hard inquiries are not factual. They are being disputed for a reason ... .I DID NOT AUTHORIZE. I have contacted each of these creditors and they all give me a hard time directing me back to the credit bureaus reporting these errors. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its files. That fact I keep receiving completed investigation reports after 2 days of submitting the investigation leads me to believe no proper investigation is being done. For example the most recent dispute I made was on   Tuesday  XXXX   XXXX ,   XXXX   and I received my results today Thursday  XXXX   XXXX . I am submitting this complaint due to the lack of investigation into these unauthorized inquires. Im requesting evidence of the results of all the investigations I have submitted, the name of the agent responsible for performing the investigations and the person or people contacted at the institution reporting this inquiry. It is my legal right to have Equifax substantiate anything they are reporting on my credit bureau. I will not take the same response as before. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Credit card

Costco Visa rewards for travel, restaurants etc. do not mention that each type of business has to bill using a special code or number. If the do not use that, the consumer does not get the points they should. Nowhere does it mention that one should ask each business how they bill and what numbers they use before going out to dinner! This is false advertising. Even on inspection, my bill lists restaurants not some restaurants only! There are rewards for transportation yet ferries do not bill with special numberstherefore they are not included.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is in violation of multiple laws set forth by XXXXongress in regard to two ( 2 ) following account # 1575. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX XXXX XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX XXXX XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, Equifax ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX XXXX XXXX for the cancelled debt of { { {$23000.00} } } in order to file as ordinary income. Where is my 1099-C XXXX XXXX XXXX XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! XXXX XXXX XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX XXXX XXXX terms and conditions they agreed not to share my information with nonaffiliates. XXXX, Equifax, and XXXX not an affiliate of XXXX XXXX XXXX XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth, ( XX/XX/XXXX ) Contents of complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you, the Experian credit reporting agency , block any information reporting on my consumer FICO credit report that is the result of identity theft and fraud within the 4 days of you receiving this complaint. This inaccurate, fraudulent, and false information consists of multiple accounts which are listed below : -The 1st fraudulent account consist of a personal credit card account issued by XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ) -The 2nd fraudulent account consist of personal credit card issued by XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ) -The 3rd fraudulent account consist of an auto loan issued by XXXX XXXX XXXX  XXXX XX/XX/XXXX under the account number ( XXXX ) -The XXXX fraudulent account consist of a bank account issued by XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) -The 5th fraudulent account consist of a personal credit card account issued by XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) -The 6th fraudulent account consist of a credit line issued by XXXX. XXXX, XXXX on XX/XX/XXXX under the account number ( XXXX ). 
These accounts have resulted in numerous fraudulent hard inquiries and fraudulent collections reporting on my consumer FICO credit report. I've also attached a list of the unauthorized hard inquiries in question as well as a copy of my consumer FICO credit report, which is maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries appearing on my consumer report. The aforementioned accounts, collections, and hard inquiries reporting on my consumer FICO report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached 2 copies of FTC Identity Theft Affidavit reports ( Report # XXXX & Report # XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

To whom this may concern, My personal and financial information was compromised without my authorization. 

The family education rights and privacy act ( XXXX ) protects the confidentiality of XXXX  records. This breach is a clear violation of XXXX and your responsibility to safeguard my information. 
Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my XXXX XXXX debt in full.
Product: Debt collection

I recently obtained a copy of my credit report on XX/XX/2018 and I seen that I have a {$1200.00} bill from a collection agency named Sources Receivables Manag that was sold to them by XXXX. I then attempted to reach out to the company to send me a debt validation letter to make them look into the account further because I didnt have any cancellation fees with XXXX when I disconnected my devices because I wasnt under contract so I knew I definitely didnt owe them {$1200.00}. The company stated that they had previously sent me a letter and wasnt going to send me another one. I then asked for the address that they sent it to because I didnt receive one. They gave me an incorrect address, I advised them that it was wrong and asked would they send it to my correct address and he told me no he wasnt going to, I asked why and he stated because he sent it to the address on file and I then let him know again that it was incorrect. He said that his associates talked to me on numerous occasions & that they notated the account each time with statements that I had given them telling them why I couldnt pay off the debt. I let the representative know that I havent talked to anyone about this account, I didnt even know it existed until this month. He then proceeded to keep reading the falsified statements that were made by his associates and I again told him that I havent spoken with anyone at anytime about this debt. He ended the call stating that he would not send a debt validation letter to my correct address and I could settle the debt for {$600.00} if I wanted to.
Product: Credit reporting, credit repair services, or other personal consumer reports

this started in XX/XX/2019 over a financing of flooring at XXXX XXXX XXXX XXXX Texas XXXX financing was originally done in XX/XX/2019 first payment was XX/XX/XXXX for 24 months which I requested 36 months and they would not accept 36 months they would only do 24 months. The date I went to them to do a renewal was XX/XX/XXXX spoke with XXXX XXXX and she did the renewal for the 36 months that I requested for at first. First payment was XX/XX/XXXX which I had paid monthly since the renewal but for some reason Conn 's Office has been calling and harassing me over {$350.00} for this loan that as already been renewed back on XX/XX/XXXX for 5 months every week 3 to 4 times a day I have received threating phone calls and message 's from Conn 's Office. They put this on my credit as delinquent and late fees and refused to take this off knowing that this loan was already renewed back on XX/XX/XXXX. As of XX/XX/XXXX I have received another threating message and phone calls. I have tried on several occasion to resolves this with different other organizations of Conn 's to get this matter resolved with out any resolutions in the matter. I also tried to contact the Corporate Offices in Arkansas but once again no resolution what so ever for the matter. These are the Account numbers in which are the issue 's consist of Account # XXXX closed out and this is the current Account # XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint cash app ( Block , inc . ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I purchased an airline ticket from XXXX for flight to XXXX via XXXX XXXX on XX/XX/2022 using Sears Mastercard Citi bank. However due to a negative XXXX test I had to cancel and reschedule on a different date. I was assured by the travel agency that I would be reimbursed. I flew to XXXX and came back on XX/XX/2022 and found that I was charged 3 tickets {$1200.00}, {$1100.00} and {$1100.00}. I called the travel agent and have complained about the charges, called the credit card company regarding the extra charge and they reversed the charges. However a month later, I get 2 charges back on my credit chard {$1100.00} and {$1200.00}. The travel agent claimed that this was for taxes even though they were supposed to reimbursed instead. I submitted proof of XXXX test and still to no avail and even the credit card company would not reverse the charges. It's been 6 months without resolution and I'm having a hard time paying the credit card for these erroneous charges I filed a complaint via XXXX  and citi bank credit card charges me 28 % interest on those charges and still no resolution to this day. I'm hoping that this can be resolved through your agencies assistance. I filed complaint charges with Citi bank and until today XX/XX/2022 this issue has yet to be resolved.
Product: Credit reporting or other personal consumer reports

This account no longer belongs to this creditor and has been paid in full through a 3rd party collection. This company webbank/fhut no longer owns this debt and is reporting it illegally on my report without my consent and against my assumed and copyrighted names. The dates last active are wrong too and should be removed from my consumer report immediately for accuracy being less than 100 %. The use of my name without my express written consent because of the assumed name certificate and the copyright is considered Identity Theft. Documents provided for MY NAME! 


XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX Account # : XXXX XXXX Account Type : Revolving Revolving Account Type - Detail : Charge account Charge account Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$2800.00} {$0.00} Credit Limit : {$0.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Dispute resolved; customer disagrees Subscriber reports dispute resolved - consumer disagrees. 
The unpaid balance was reported as a loss by credit grantor. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

The credit bureau is reporting a collections account on my credit report that is unverified. There is no validation of debt that was sent to me. I looked on the New York Secretary of state website and I saw the company was registered however it has been inactive since XX/XX/year> so how is it still on my credit report there is no way its validated. : ENTITY NAME : HARVARD COLLECTION SERVICES , INC . 
XXXX XXXX FOREIGN LEGAL NAME : FICTITIOUS NAME : ENTITY TYPE : FOREIGN BUSINESS CORPORATION DURATION DATE/LATEST DATE OF DISSOLUTION : SECTIONOF XXXXXXXX XXXX XXXX BUSINESS CORPORATION LAW ENTITY STATUS : INACTIVE DATE OF INITIAL DOS XXXX REASON FOR STATUS : TERMINATED EFFECTIVE DATE INITIAL XXXX INACTIVE XXXX FOREIGN FORMATION XXXX STATEMENT STATUS : NOT REQUIRED COUNTY : NEW YORK NEXT STATEMENT DUE XXXX JURISDICTION : ILLINOIS, UNITED STATES XXXX CATEGORY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, my credit score dropped by XXXX points with Equifax because I used a credit card. I charged {$3800.00} on the card, which gave me a temporary utilization rate of 85 %. Before the credit card company reported my balance to Equifax again, I paid the card down to {$87.00} ( and now it is at XXXX dollars owed ). I now have a credit utilization on that card of less than 10 %. Instead of raising my credit score, Equifax took another XXXX points away from my score. 

I used a card and lost XXXX points on my credit score I paid off the card in less than one month and lost another XXXX points. 

This is unfair and makes no sense. At the same time that this is happening to my credit score, the authorized users on this same account gained roughly XXXX points each. 

I have spoken to 2 people at Equifax. One was a regular representative by the name of " XXXX '' and the other was a supervisor by the name of " XXXX ''. Both representatives said they had " no idea on why my score would be hit so hard when I have done everything right ''. I have no late payments, and no judgements or other things that would cause such a steep decline to my score. 

I believe the way that Equifax has handled my dispute with them is unfair because everything we do and everything we pay for is affected by this score. It can increase car insurance payments, raise deposits on utilities, and even effect employment. Of the " big 3 '' credit bureaus, only Equifax is handling my score in this way.