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

I submitted a complaint about Experian, which is pending : XXXX regarding Experian intentionally falsely stating that an account from Credit One is open and {$470.00} is owed when that account was paid and closed at my request. They did so intentionally because the last status from Credit One occurred on XX/XX/2021, yet I disputed 3 times since then, providing even my credit card statement showing no balance owed and no available credit at all because the account is closed, on XX/XX/2021. I reported to you that Experian took that Statement and XX/XX/2021 dispute, FROM ME, and used it to fraudulently update my report as open and still owing {$470.00} as of XX/XX/2021, while attributing that report to XXXX XXXX XXXX response to my dispute when in fact it could only have been attributed to my uploading of my statement on that same date. 

So I submitted a complaint to you, which remains pending. In the interim, yesterday, Experian notified me that they updated OTHER CREDIT CARD statuses on my report and today you notify me that they continue here to claim they need additional time to " investigate '' my complaint. So I went to review my Experian report and Experian has SECRETLY, without INFORMING ME OF ANY REVISION OF MY XXXX XXXXXXXX REPORTING, changed the report again to state that the account is open and still owing {$470.00} as of XX/XX/2021 instead of XX/XX/2021. 

This means they unraveled the second fraud of intentionally misreporting the debt based on the Creditor 's verification of the amount owed while it was really based on my upload of a credit card statement showing NO AMOUNT DUE. But it also proves that XXXX XXXXXXXX has AT NO TIME responded to affirm that there is ANY AMOUNT DUE in response to any investigation by Experian of the three disputes I have submitted for this credit reporting line since early XXXX. 

Therefore it can only mean that Experian has been lying to me this entire time in reporting TO ME numerous times that XXXX XXXXXXXX has repeatedly responded to Experian with proof affirming three times since early XXXX that I owe this debt. I do not in fact owe this debt and XXXX XXXX has never said any such thing. They simply have not reported the account closed and paid yet. Experian simply is lying about doing ANY INVESTIGATION WHATSOEVER. I do hope you will hold them accountable under the law for this FRAUD. 
Look at my report, XXXX XXXX has not reported this account in any status since XX/XX/XXXX, yet Experian has " resolved this dispute '' to affirm the debt three times since XX/XX/XXXX! Outrageous.
Product: Vehicle loan or lease

As a young lady I was never educated about my credit or even checking my credit. Now that I am older and want to purchase a home I Started educating myself more about my credit and Started to look at my credit more. I realized that my identity was used, which I do not understand how people or a person was able to open accounts in my name
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX Balance {$13000.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00}XX/XX/XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$5000.00} XX/XX/XXXXXXXX XXXX Balance {$3800.00} XX/XX/XXXXXXXX Balance {$7900.00} XXXX  XXXX  ( Original Creditor : XXXX XXXXXX/XX/XXXX) XXXX Balance {$1600.00}
Product: Payday loan, title loan, or personal loan

I wish to Early Pay Off the merchandise purchased/leased 90 days According to my contract they are trying to charge a pay off amount that exceeds the contract amount agreed.

I am paying within the early pay off option.

The cash price is XXXX with a payment of 30 initial payment deducted a 10 buyout fee added and a deduction for 2 payments of XXXX ( totaling XXXX ) this leaves a balance of of {$1200.00} Acima is requesting a sum in excess of this.

Clearly the contract makes no provision for this.

they are refusing to open a dispute process they are saying additional tax is due but that is not reflected in the contract.
Product: Credit card or prepaid card

XX/XX/2021 : notified CapitalOne XXXX  charged me {$110.00}. I paid but XXXX overcharged me {$61.00}. I sent Capitalone receipt, credit card charge and XXXX  paperwork proving I was overcharged. Capitalone refused to send paperwork toXXXX  that would prove that I was charged {$61.00} too much. I do not care what capitalone thinks, feels, believes about my paperwork. All I am requesting is that they send paperwork to XXXX for a response. Instead capitalone takes the word of XXXX that the charge is correct. And Capitalone refuses to send paperwork XXXX  proving that I was charged incorrectly and charged too much.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two disputes about Derogatory information were submitted to Experian with filed supporting documents, after two weeks Experian stated that both account were updated without providing any valid explanation what soever regarding their action, on the other hand those same accounts with the same supported documents were disputed with XXXX and, they deleted those two accounts. I don't know why Experian is acting that way.
Product: Money transfer, virtual currency, or money service

Hello, I have been a victim of an online scam. I need you help to bring them to justice. This person XXXX XXXX XXXX ) new name is ( XXXX XXXX XXXX contacted me through social media had me use XXXX ( XXXX ) to chat. She told me that I could make money through an investment platform called XXXX. Which was probably a fake website. She slowly built my confidence up using the platform to show me it worked and then she put a lot of pressure on me to take out several loans and use my personal savings of ( {$100000.00} ), I also took money out of my 401K ( {$110000.00} ). I put the money into the XXXX system. They made believe that I had made a bunch of money on the platform ( {$800000.00} ). When I tried to withdraw the money they would not let me. They said I had to pay taxes on the money I made. Please help me recover my money. She used these Apps to take my money and put it in XXXX. XXXX XXXX App ( XXXX ). and XXXX XXXX ( XXXX ). The bank they used was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX. Account Name Payward Ventures , Inc. Account number XXXX, routing XXXX with a reference number of XXXX. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following accounts, and inquiries are not affiliated with me nor are they authorized by XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX XXXX Balance Owed : {$380.00} XXXX XXXX XXXX XXXX Balance Owed : {$890.00} XXXX XXXX Balance Owed : {$450.00} XXXX XXXX XXXX  Balance Owed : {$150.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$3200.00} XXXX XXXXXXXX Balance Owed XXXX {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$380.00} XXXX  XXXX XXXX Balance Owed : {$450.00} XXXX XXXX XXXXXXXX Balance Owed : {$150.00} XXXX XXXX XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX XXXX Balance Owed : {$890.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Debt collection

I disputed the debt in collection with XXXX XXXX in the amount of {$970.00}. According to the debt collector XXXX XXXX the debt was charged off in XX/XX/XXXX.  According to XXXX XXXX the account was closed on XX/XX/XXXX- to which I had a XXXX past due balance. Im currently disputing the debt and have been in contact with the debt collector due to inaccurate dates and amount owed and they refuse to accept my dispute/claim. I believe this debt collector is reporting inaccurate and outdated information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to and was approved for a credit card with FIFTH THIRD BANK Credit Card Department in XX/XX/2020. I have made all payments on time. This account has not being reported to any of the THREE MAJOR credit bureaus, such as XXXX, XXXX  or XXXX  as an account and one in good standing. 

Please have them ( FIFTH THIRD BANK Credit Card Department ) report this credit card account to XXXX, XXXX and XXXX  Credit Bureaus as it is positive credit history with a balance of {$00.00} with on time and no late payments, that will inevitably be favorable on my credit report and will help to increase the score.
Product: Debt collection

I keep getting debt from collection and account that are not mine and fraudulent.
Product: Debt collection

I asked to be contacted through email instead of the phone due to my work hours. I have saved the emails and communications with this company, and they continue to call my family and friends even after talking to me through email. When I asked them why they said because they can.
Product: Debt collection

My Name : XXXX XXXX Debt : XXXX in the amount of {$6.00} Company having issues with : Credit Collections USA Address and phone of company : XXXX XXXX XXXX XXXX, XXXX, WV XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX Date of service : X/XX/17 Date spoke with credit collections : X/XX/17 I am having an issue with a credit collections company and wanted to ask you about my rights or what I can do to get this corrected. I lived in XXXX and moved to XXXX in XX/XX/XXXX of this year. In XX/XX/XXXX I had to go to the ER. I have insurance. They paid their part of the bill and I owed {$6.00}. With moving, I never received a bill and was unaware I owed this amount. 


My husband and I were starting the process to purchase a home and found out it had been sent to a credit collector. Credit Collections USA based in XXXX, WV to be specific. I called them right away to get this paid and taken off my credit report. The employees there stated that I can pay my bill but they will NOT remove it from my report. I explained to 3 different representatives that I did not receive a bill or a phone call about this bill. They assured me they sent a bill in the mail. I did not receive ANYTHING from them. They had the wrong phone number listed for me so if they did try to call, they could n't reach me. I explained that I just wanted to get this taken care of for them and they REFUSE to help me in any way. I then contacted the XXXX department and explained the situation to them. They called the collection agency and were told the same thing. They do not agree with this method either. 


What are my rights? What can I do? I feel like my credit is being held hostage because of {$6.00} I was unaware I owed. This is the only derogatory record on my credit report. Had I known I owed a VERY small amount of {$6.00} I would have paid it immediately. All of the other bills from the ER were paid and taken care of. I was unaware of this never received anything from the XXXX dept or the Credit Collector. How can they do this to someone. I have done nothing wrong here. I have worked very hard for years now to make sure my credit is in good standing. How can a company do this to us? I feel this is an unfair practice for them. Please help me or offer some guidance as to how I can get this corrected. 


Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF FINANCIAL IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW 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 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 : states a consumer reporting agency can not furnish an account without my written instruction. 

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, 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 or has reasonable cause to believe the information is inaccurate.
Product: Checking or savings account

I tried to open a new High Yield Savings account with Bread Financial. I was denied and was not given any reason as to why I was denied.
Product: Credit card or prepaid card

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that 3 Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CAPITAL ONE. Also, I tried contacting XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX XXXX  Account Number : XXXX XXXX XXXX Experian / XXXX
Product: Credit reporting or other personal consumer reports

This letter is in response to your recent claim that the credit bureaus has verified that the accounts they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account ( s ). I am formally requesting a copy of any binding contractual obligations to pay them the exact amount claimed. Any automated response E-Oscar verification is unacceptable. I am requesting a re-investigation and your Method of Verification. According to 15 USC 1692c ( c ) if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consume, the debt collector shall not communicate further with the consumer with respect to such debt. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission. According to 15 USC 1681 I have the right to privacy. According to 15 USC 1681 s-2 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. ( B ) Reporting information after notice & confirmation of errors. A person shall not furnish information is inaccurate; and ( ii ) the information is, in fact, inaccurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While looking at my credit reports I have noticed the following account has discrepancy in the " payment history '' section of the listing : Credit Acceptance XXXX The charged off account is reporting payment history each month when it should since the account has been charged off. This is falsely manipulating the statute of limitations which is FCRA violation. 

Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately : CREDIT ACCEPTANCE XXXX When the requested above deletions are made, please mail me an updated copy of my credit report.
Product: Debt collection

I received a call from AdAstra Debt collection company regarding a payday loan I owe. I was threatened numerous times by a representative named XXXX. I asked XXXX to speak to another associate and he declined. XXXX stated he is the only XXXX I am able to speak to because he is handling the account. XXXX hung up, I called the company back hoping to speak to another associate. A representative name XXXX answered the phone and stated she was unable to assist that she would be transferring me to XXXX. I explained to XXXX that I was not comfortable speaking with XXXX and she still refused to assist me with simply taking a payment. XXXX advised me that unless I want the collection to be reported to the credit bureau then I better speak with XXXX. At this time I released the line.
Product: Checking or savings account

JPMorgan Chase dba Chase Bank. ... A debit card was used to authorize or hold {$150.00} on XX/XX/XXXX. ( Hotel incidental hold ) .The hold was released by the merchant on XX/XX/XXXX. 
Consumer expected funds back in the account. 
Instead ; Chase recalculated the date to appear the hold was placed on XX/XX/XXXX instead of XX/XX/XXXX. 
Consumer contacts Chase reference the transaction ; where was the merchant authorization on XX/XX/XXXX or XX/XX/XXXX? 
Chase XXXX customer service representative stated that Chase changes the date of authorization each day without explanation as to why. Therefore, it makes it impossible for consumer to regain the funds back to the account within 3-5 business days of release from merchant. It makes the funds disappear from consumer account based on debit card usage vs. credit card. 
Debit card authorization uncollected by merchant, should be returned to consumer account upon release by the merchant. Chase provided no explanation or a resolution of this practice.
Product: Credit card

I'm getting tired of this. My credit card company got paid originally twice by me on XXXX. They returned the OVERPAYMENT with a check and AFTER that they AGAIN charged me. They are lying by saying they paid me XXXX times by paper check. In the end NOTHING was resolved. They got paid {$78.00} twice which is {$150.00}. l asked them to refund the second payment. They sent me a check. So the remaining {$78.00} was my payment l made on XXXX. Once they sent me the check that should have resolved everything but instead they AGAIN charged me {$78.00}. They took back the refund they gave me!! How is this resolving anything?? I ended up paying {$150.00} when all l owed was {$78.00}!!! They are getting away with this!!! They are lying!! They got paid TWICE they refunded me ONCE with XXXX paycheck. Then charged me {$78.00} again. So on XXXX I AGAIN paid them {$78.00} because they refused to fix this even though I kept explaining to them that I ALREADY paid them on XXXX.
Product: Credit card

Commerce Bank failed to update my address despite multiple requests. They then charged a late fee because I did not receive the bills they continued to send to my prior address, and refused to refund the late fee that they caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have to contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am thankful for the progress made but exasperated by the fact that my identity theft situation remains unresolved. However, my relief is marred by the fact that the following fraudulent accounts persist on my credit report : XXXX XXXXXXXX XXXX I am a victim of a grave injustice. These fraudulent accounts are not only causing severe damage to my creditworthiness, but they are also affecting my financial stability, limiting my ability to secure loans, and increasing my stress levels exponentially.
Product: Student loan

Approximately XXXX XXXX XXXXs my first ex husband XXXX from XXXX and the other half is mine which should have been paid by my great grandparents XXXX XXXXXXXX I have documents to submit to prove this debt should be noted paid off and transferred to the other loan holder