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

Good Day, My name is XXXX XXXX, and I am XXXX from XXXX XXXX. I learned today ( XX/XX/XXXX ) that Experian Credit has been billing my XXXX XXXX credit card account each month for the past 34 months for some type of crediting report or updates that I did not request, did not access and did not want. I have contacted the credit card company to put a stop to the charges. I was finally able to contact Experian and learned from the call taker it has been going on since XX/XX/XXXX. Experian said they began charging my credit card after I " agreed to the terms & conditions '' on their online site to receive a report. The call taker said I requested the service after they offered a discounted price of {$4.00}, and that I was supposed to cancel after a time if I did not want it. They said the following month it went to {$19.00} a month and was increased to {$24.00} later. I have no history with their company or their website, other than requesting a onetime credit score for a job application around XX/XX/XXXX. I  recall I was charged a small fee, but did not request any other services. I believe Experian used unscrupulous, misleading or fraudulent tactics to obtain money from me for services I did not request. 

I am in contact with my XXXX XXXX to get a complete statement of activity to show the charges, but my estimates are that it is about {$730.00}. XXXX XXXX is sending these via US Mail which will take at least 5 days. 

An Experian " supervisor '' named XXXX advised me to go to their site : XXXX XXXX XXXX and provide the reference number XXXX. He gave no hope they would refund anything, other than the past month billing. Although it sounds futile, I will attempt this. 

Thank you for any help you can give me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I noticed to fraudulent accounts on my credit reports. XX/XX/20 I filed an FTC Identity Theft Report with the credit bureaus. As of this writing Experian, XXXX & XXXX  are still reporting the fraudulent accounts.
Product: Debt collection

After becoming aware that XXXX accounts had been placed on my credit report by this agency, I contacted the agency requesting verification of this debt. The information provided by the agency did not include any information positively associating me with this debt, nor had I visited the associated facility or received any of the medical services associated with this debt. Between XXXX - XXXX, I made multiple attempts to dispute this claim, both with the agency directly as well as XXXX & XXXX. The agency deleted XXXX account but validated XXXX remaining accounts while failing to provide me with any documentation substantiating this debt. On XXXX/XXXX/XXXX, I contacted the agency again disputing the remaining XXXX accounts and asking that the debts either be validated or deleted from my account.On XXXX/XXXX/XXXX, I contacted the agency again after notating that the collections were still reporting to the credit bureaus. After being told by the initial representative that the dispute was placed with the Dispute Department on XXXX/XXXX/XXXX, this was later given denied by the dispute representative and he asked for me to give the agency more time to validate the dispute. I refused this request in accordance with my legal rights and asked that the issue be resolved by close of business today. The representative informed me that he would need at least 3 business days.This false reporting has negatively impacted my credit score adversely affecting my ability to qualify for a home and car loan during this 180+ days..
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Santander Consumer USA. 
This financial institution repoed my vehicle window they were not supposed to. two different phone calls from their managers approved me for an extension during this time. During this time was Hurricane Harvey and they took my vehicle anyway. My struggle within is they had left the amount of {$15.00}, XXXX installment loan on my credit report to pay back. I have spoken with them numerous times made many phone calls and debates About the amount. They had agreed for me to only pay {$2.00}, XXXX to be released from this installment dispute that I have with them. But the amount of XXXX, XXXX Still Remains on my credit report and it damages me to receive any other type of loan or financial help whatsoever. As I had mentioned to this company that they had taking my vehicle after approving me two different times life extension they released me of my vehicle without justification other than stating I was legible for a repo. This was at a very unfortunate time of my life and family life with this being the only vehicle that this household had. just suffering from this financially and XXXX has drawn a lot of extra problems to this family and household. I'm still in debate with him on the final about a 2000. I do not believe that I owe them a penny for illegally repoing my vehicle after approving me two different times for an extension. Their words were I was not approved for a disaster opportunity. 
As I try to get myself back into another vehicle because of the damage of my credit they seem to be the only potential financial institution that could Finance me. But even on the simplest they don't like knowledge what they have caused and what they have done and they will not approve me even for the simplest auto loan. This is a very hypocritical company and I need this to finally be taken care of by the consumer federal government thank you!
Product: Checking or savings account

On XX/XX/2019, I sent the attached letter to Capitol One asking that they close this account. 

They called me about a week later, and transferred me to 4 people, none of which was willing to close this savings account. It seemed like a programmatic way to avoid closing an account, and it took an hour of my time. 

Now, on XX/XX/2019, the account is still open. Almost six months later. There is a XXXX  balance. 

Would you please ensure that Capitol One adhere 's to my request and close this account?
Product: Credit reporting

On XXXX XXXX, 2016, I check my credit report and all my inquirers were deleted. I logged in today and there all back on my credit report and my score went down.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NEVADA XXXX XXXX XX/XX/XXXX Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to dispute inaccurate information and According to I.R.S Publication XXXX ( XXXX ) Generally, you must include the canceled debt in your income. Therefore income is being inaccurately reported on my credit report concerning the following accounts : XXXX. XXXX XXXX XXXX  XXXX XXXX Account Number : # XXXX Charge Off Amount : {$4100.00} Charge Off Date : XX/XX/XXXX XXXX. **Chase Card** Account Number : # XXXX Charge Off Amount : {$2400.00} Charge Off Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX Account Number : # XXXX Undesignated Owner XXXX. XXXX XXXX Account Number : # XXXX Charge Off Amount : {$2100.00} Charge Off Date : XX/XX/XXXX XXXX. *XXXX XXXX  XXXX Account Number : # XXXX Charge Off Amount : {$980.00} Charge Off Date : XX/XX/XXXX Additionally, the following collection accounts are disputed : XXXX. XXXX XXXX XXXX XXXX Account Number : # XXXX Collections Amount : {$980.00} Collections Opened : XX/XX/XXXX XXXX. XXXX Funding LLC** Account Number : # XXXX Collections Amount : {$1600.00} Collections Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Account Number : # XXXX Collections Amount : {$1800.00} Collections Opened : XX/XX/XXXX These accounts are in violation of multiple laws set forth by Congress. According to 15 U.S. Code 1681a ( 2 ) ( a ) ( i ), a consumer report should not include information solely related to transactions or experiences between the consumer and the reporting entity. Additionally, 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) stipulates that a person shall not furnish information to any consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. Furthermore, under IRS guidelines, a charge-off is considered gross or ordinary income and should be reported on a 1099-C form if the debt is greater than {$600.00}. Since I did not receive a 1099-C for these amounts, the reporting of these accounts as debts is inaccurate.

I have also revoked any authorization previously given under the Privacy Act of 1974 and the FCRA, and I am opting out of any further reporting as outlined under 5 U.S. Code 552a and 15 U.S.C. 6802.

I request that you investigate these accounts and correct or remove the inaccurate information from my credit report. Please provide a written response within 30 days regarding the results of your investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX - Protected Consumer. 

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

XXXX  ; Experian and XXXX  should not be reporting that I am ( 60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account been paid. No payment has ever been missed and therefore no lates should be reporting. I was not aware there were any lates reporting until I obtained a most recent copy of my credit report. I contacted XXXX XXXX   and spoke with the billing department and they stated to me that they did not show any late payments and/or missed payment in their accounting system. I have attached a copy of my payment history as proof that this account has in fact been paid. The lates being reported are in error and need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Student loan

Good Afternoon, My name is XXXX XXXX. I have reached out to Discover Student Loans multiple times for details on my account because I believe my balance is incorrect. I have made additional payments as well as those that have been due, when I noticed my balance had not decreased in XX/XX/XXXX or XX/XX/XXXX I began to do my own investigation, as well as reaching out through email, phone, and secured messaging on their website.

I was told that there was a merge between accounts and that balances may be incorrect. That message was also posted on their website very briefly. I received multiple calls and emails hounding me for payments that had already been made. One rep actually had to apologize as she was confused as well.

I was advised to submit additional receipts that were not accounted for online, but they have not been acknowledged.

It is concerning that I am being told any payment that has been intercepted reflects on my online account payment history, but I have in fact given proof that they have not been accounted for.

I believe that this is discover student loans fault, and their consumers should not have to suffer due to their unorganized merge.

I have also requested a thorough payment history breakdown from the beginning of the loan history, disbursements, and payments made. I was told one would be given to me, and I have still not received it. It has been well over a month now.

I would also like to note that I spoke to someone named XXXX  ( I still have the letter he sent me ), and once I proved that the payments I made were in fact not reflected on my account, he said he would transfer me to someone else and instead disconnected. When I called him back, he did not answer. When I left a message, he did not return the call nor did he advise a rep to follow through with a solution.

I will be sending subsequent emails to any and every party associated with discover until this has been addressed and taken care of. Or I will ask that Discover be investigated for embezzlement. Please advise.

The e-mail associated with the account is : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit acceptance : XX/XX/XXXX, {$14000.00} Bank XXXX XXXX : XX/XX/XXXX, {$500.00} XXXX XXXX : XX/XX/XXXX, {$1400.00} XXXX : XX/XX/XXXX, {$400.00} XXXX XXXX XXXX : XX/XX/XXXX, {$2100.00} In accordance with the fair credit reporting act XXXX these account has violated my rights 15 U.S.C 1681 section 602 A States I have the rights to privacy. 15 U, S.C 1681 Soction 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 us 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of any debt. 15 us 1692b ( 2 ) not state that such consumer owes any debt.
Product: Vehicle loan or lease

I purchased a new XXXX with financing through XXXX XXXX XXXX ( JPMorgan Chase Bank, N.A. ). Unfortunately, Im unable to interact with Chase as they have incorrect information on file and are unable to verify my identity. They do not recognize any of the information I provided on the loan application, nor the information on the bill THEY sent me. Ive made multiple phone calls and have asked to speak with a manager multiple times ; however, after spending 1-2 hours on hold never reached anyone willing to assist me. All Im looking for is the ability to pay my bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the account listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  # XXXX
Product: Money transfer, virtual currency, or money service

On or around XXXX XXXX, Saturday, XX/XX/2023 I purchased service with a streaming service. After not receiving access to the streaming service I contacted the seller on their website concerning the issue of not receiving the service. They acted like they could not find where I submitted the payment seller is not returning my emails, so I disputed the transaction with Cash App. Cash App informed me the dispute would take up to 10 days as it was stated when I signed up for their service. All of the sudden today, Saturday, XX/XX/2023, the representative tells me it is going to take 45 day, therefore, I closed my Cash App account and ceased business with them. On or about XXXX XXXX, XXXX  the XXXX XXXX XXXX XXXX submitted a statement to CFPB indicating they would return my funds. On Friday, XX/XX/2023, around or about XXXX XXXX I contacted Cash App to obtain my funds and they indicated they could not get into the previous account to return my funds. On Friday, XX/XX/2023, around or about XXXX XXXX  I contacted Cash App to obtain my funds and they indicated they could not get into the previous account to return my funds and refused to credit the funds back to my account. Cash App 's business practices meet the criteria for XXXX XXXX  General Statue 75-1.1 : Unfair & deceptive trade practices. I contend that Cash App violated the aforementioned North Carolina statue by refusing to return my money.
Product: Credit card or prepaid card

I've had chime for XXXX now and I signed up for their credit builder card thinking it would boost my credit. It wasn't til I looked at my credit account that I saw that chime is now saying I OWE THEM almost 900 $ WHEN IVE NEVER BORROWED ANYTHING FROM THEM! Yet on my credit report it says I'm in the whole by XXXX XXXX I've called and canceled the credit builder account, but I told them I'm not paying something back that I NEVER borrowed. I'm always putting money INTO THE ACCOUNT. So how am I negative?
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  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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This account has several errors. The payment history and date last activity are inaccurate as the references to late payment. I was never late in paying. Under the Fair Credit Reporting Act, Im going to have to request proof of last payment and payment history. You are reporting false information and I believe the company is violating Sections 616 & 617 of the FCRA, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please update or correct the late payment from this account.

CITI  XXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that Equifax provide me copies of documents bearing my signature to verify the status of the disputed account. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon possible : XXXX XXXX XXXX
Product: Debt collection

In XXXX of 2024 I received a letter from Jefferson Capital System regarding a debt I have no idea about. The letter stated that I have until XX/XX/year> to dispute the debt. In XXXX of 2024 I mailed Jefferson Capital System a letter requesting more information about the debt. I never received a response and this account showed up on my credit report XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a collection Accounts that continues to appear on my credit report despite previous disputes and investigations. The Accounts in question is inaccurate and does not belong to me. I have attempted to resolve this matter multiple times, but the Accounts remains on my report. 
XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

TV is everything in accordance with The Fair Credit Report act Convergent account, XXXX XXXX XXXX XXXX . XXXX XXXX, MN XXXX ( XXXX ), XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX, has violated my rights. 15 USC 1681 602 Section A States I have a right to privacy. 15 USC 1681 section 604a section 2 : and also states that a consumer reporting agency can not furnish an account with out my written instructions.
Product: Debt collection

Credence Resource Management has been relentlessly calling me on my mobile phone for a debt I do not owe. I have told them they are calling the wrong number but continue to call me and bother me. They have been calling me from several different phone numbers. I have reported them to the FTC and tried to block them, but they won't stop.
Product: Credit card

I am disputing the collection account with XXXXOPPLNS, account number XXXX, dated XX/XX/scrub>XXXX XXXX, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXXOPPLNS provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.