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

I have never had an account with the XXXX XXXX XXXX. There have been numerous phone calls contacting them and they have confirmed that no such account ( s ) have ever existed with them. They sent me a letter indicated that it would be removed from my credit report yet ; it/they are still being reported. I would like the accounts they or someone created, removed from my credit report. Also, there was an account with XXXX XXXX that was paid in full and is now reflecting a zero balance but is being reported as a charge off and not as paid in full. I was told by XXXX XXXX, XXXX, and provided written verification that the account was paid but they are indicating that it is being reported as a charge off by the original creditor which is comenity bank even though it was paid. It's is just a lot of run around and I keep being told by the companies ' representatives to keep disputing these items with the credit bureau and the credit bureaus just don't remove them ( even with written proof ) or they remove them and put them right back on my credit report.
Product: Debt collection

I have never ever had services with XXXX never. I seen a XXXX collection through this company and it is NOT mine. I have disputed this with nothing received in return. I need your help
Product: Credit reporting

After disputing the information with the credit report agency left me with no response.
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 Account Number : 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 card or prepaid card

I was purchasing a XXXX XXXX XXXX through popular science. During checkout, I got an error message saying it could not be completed. I was double charged on my credit card. I disputed the charges and the credit card company investigated and said the charges are valid and made me pay them. The charges were not valid as I never received confirmation that the order went through. Also, I was double charged so how could the charges be valid since there is a duplicated charge?
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent hard inquieres. I have a credit alert for identity theft on my credit report XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX  Business Type : Banks and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Miscellaneous and public record XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Banks and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Miscellaneous and public record XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Miscellaneous and public record XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance other than personal XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Miscellaneous and public record XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : Automotive XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance other than personal po box XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance other than personal po box XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Banks and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Banks and XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : Banks and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : Banks and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Showing I owe on accounts and some where included in a XXXX  and still showing incorrectly. 
The public records still show that our XXXX is in our report and its been over XXXX  years! 

Also the inquiries needs deleted because 90 % of them were NOT authorized.
Product: Credit reporting or other personal consumer reports

This marks my initial attempt to communicate that I've fallen prey to identity theft. I raise concerns and seek clarification regarding certain entries in my documentation stemming from this criminal act. The entries in question bear no relation to any legitimate transactions or approvals made by me, involving goods, services, or financial transactions. Should there be indifference to my plight, I request the removal of any data in my credit record associated with suspected fraudulent or extortionate activitiesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the information fom my first complaint that was closed with no resolution : I submitted a fax requesting a freeze be put on my consumer file with SageStream , LLC on XXXX at XXXX PST along with all supporting documents to allow this to happen. I followed up on XXXX, XXXX, XXXX, XXXX with phone calls. Each time I got their answering machine and was told my call would be returned within 1 business day. I have yet to receive a call back from them. I am just trying to confirm a FREEZE was placed on my file and when I could expect to receive my security PIN #. 

Since then I have called on a daily basis and have left more messages than I can remember. I resubmitted my information by fax on XXXX and still no response from SageStream LLC.
Product: Checking or savings account

I have received your response to my request for billing statements, however ; it is insufficient. My original complaint cited fraudulent activity as the cause of the overdraft. The statement and letter you submitted does not prove or disprove the cause of the overdraft. I never received the attached notices ( most likely due to relocating ) and stopped using the account long before XX/XX/2013 as the letter specified. It is my desire to resolve this one way or another but I need to be sure the overdraft was not caused by fraudulent activity.
Product: Credit reporting

I 've attached a PDF that explains what I 've attempted to have removed from the XXXX credit bureaus. My XXXX frustration and complaint is the inconsistency of reporting between the XXXX bureaus.My XXXX frustration and complaint is the inability to remove someone else 's public record ( Judgement ) that is on XXXX of XXXX of my reports. My final frustration and complaint is the fact that there are multiple levels of credit reporting and scoring ( consumer and industry ) that are only available to industries such as Mortgage, Credit Cards, and Auto. These industry level credit reports vary greatly from the consumer reporting and scoring. And they are fraught with errors greater than the consumer reports. In my case the mortgage credit report has scores 25 % lower than my consumer report and the XXXX public records on my consumer report are duplicated to show XXXX public records on the mortgage report. XXXX has someone else 's address and refuses to correct it to my address and they have XXXX public records that have {$0.00} as the amount ... yet they refuse to remove. These public records are explained in the PDF I 've uploaded to you and they need to be removed ASAP. XXXX has removed the judgement XXXX XXXX of XXXX public records ). Experian also refuses to remove the XXXX public records. The only good news is that on my consumer reports a XXXX lien of {$120.00} was removed by all three consumer reports BUT is present on my Mortgage report ( All XXXX Bureaus ). In other words, the XXXX bureaus remove the {$120.00} lien that was in error, but kept them on the mortgage reporting and scoring!! So, in conclusion I see no purpose or value to the consumer reporting and scoring since the lenders, be it auto, mortgage or credit card, have significantly different scores and reports from the same XXXX bureaus ... and removing from the consumer products does n't guarantee removal from the industry product. This is so unfair on every level. And the consumer has no access or ability to contest or correct the industry level credit reports or scores!! Government needs to simplify and create an oversight department that governs them and keeps them honest. Please read my PDF and help me. After 37 years as a XXXX I 'm prohibited from getting a mortgage due to errors on my consumer reports and inequalities with errors on my industry reports with with only foreigners and non-US citizen to deal with over the phone and via mail/fax. That 's the strangest twist of this entire story. People outside of the USA are making decisions for US Citizen 's credit woes!!!!
Product: Checking or savings account

On XX/XX/XXXX, when attempting to access my Webster account, I encountered an error stating " you have no accounts to display. '' After contacting customer service, I was informed that I needed to confirm a bank account used for a transfer. I requested guidance on where to verify this information and was told to expect an email. Several hours later, I received an email requesting I upload my XXXX  and account statement. I promptly responded, but then encountered resistance regarding a transfer from my business account to my personal account. Despite requesting clarification on this policy within their terms, I have yet to receive a clear answer. I have reviewed their terms online, and no such restriction is stated. Additionally, when inquiring about when my account would be accessible again, I did not receive a response. Several days have passed, and I continue to receive no communication. Furthermore, when attempting to contact them by phone, I am directed to submit a message via secure messaging on their site, which I can not access due to my account being unavailable. 

In summary, Webster Bank has provided conflicting information and has withheld approximately {$30000.00} from me without explanation or resolution, leaving me unable to access my funds or resolve this issue.
Product: Checking or savings account

On XX/XX/ I went into XXXX XXXX to have XXXX to remove a XXXX from my brain caused by XXXX sometime after I went into XXXX my debit card and wallet were stolen and all my money was drained out of my account putting me into the negative by over a XXXX Chase Bank instead of verifying the transactions decided to close the account and send it to collections. On XX/XX/ two days after leaving rehab from my XXXX I discovered what Chase Bank had done and proceeded to contact their executive offices to get this resolved. Chase Bank has since refused to assist me in any way telling me that because the account was closed they can not reopen it or dispute any transactions letting me know that my life savings was stolen from me and that Chase Bank executive offices as well as Chase Bank themselves refuse to assist me in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed several items on my credit report XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX and XXXX from Experian and XXXX  and sent validation letter and never received proof but was updated on my credit file as verified it's been about 6 month on going that I've been requesting verification and never did anything over 30 days has to be removed off my file
Product: Mortgage

I accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting

Experian locked me out of the online dispute website stating that I was disputing frivilous information, on XXXX XXXX ACCT # XXXX. Back in XX/XX/XXXX it XXXX XXXX XXXX and the first date of DELQ. was XX/XX/XXXX. As you will be able to see by looking at the XXXX examples that I have submitted for supporting documents It is n't frivilous at all it is a valid claim and I would like the tradeline removed and a new updated copy of my credit report and score.
Product: Student loan

My wife and I consolidated our student loans in 2010. They advised us to list my wife, XXXX XXXX, as first on the loan, because her credit score was higher. However, they neglected to tell us that consolidating the loans, with her name first, would prevent us from taking advantage of student loan forgiveness for teachers. I don't make much money, and I am a teacher in a school in a high poverty area. I should be able to get student loans forgiven, but I can not, because the loans are consolidated and my wife 's name is first. I am doing a service to society by working in a poor school for 12 years, and yet I can not get the financial benefit for doing so that I ought to be eligible for.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are mandated to rectify or expunge inaccurate, incomplete, or unverifiable information within a stipulated timeframe, typically 30 days. It has come to my attention that Equifax is currently in breach of FCRA regulations, as the company has failed to conduct a thorough examination of disputed information and subsequently eliminate the aforementioned data from my credit report. Instead, Equifax persistently reports information that is inaccurate, inadequately verified, and incomplete. 

Upon disputing the accounts with XXXX, it was observed that inaccurate and incomplete information, including but not limited to the date of last payment, reported balances, payments made, and account history, was provided by XXXX. A proper investigation by Equifax would have revealed a recurring pattern of inaccurate reporting by XXXX XXXX Bank spanning at least XXXX months. Notably, the same XXXX account appeared twice on my credit report for extended periods, with varying account opening dates and balances. It is imperative to highlight that this account, opened in XXXX, is no longer legally valid. 

In a recent dispute, Equifax removed XXXX XXXX account from my credit report, which indicated an account opening date in XXXX and a duration of over 16 years. However, Equifax allowed XXXX to renew this aged debt by presenting the second Citizens account with a " no info '' designation for the date the account opened, accompanied by other incomplete information. This renewal of the account, coupled with persistent violations of debt collection laws by XXXX and its predecessors, has adversely impacted me in various ways over the years. These repercussions include hindrances in employment considerations for the year XXXX, imposition of higher interest rates on financial transactions such as my car loan in XXXX, and disqualification for loans or credit cards. 

It is essential to note that consumer reporting agencies are prohibited from reporting outdated negative information. Therefore, the continued reporting of this loan from XXXX, which has been charged off and renewed for an extended period, raises significant concerns and further underscores Equifax 's non-compliance with regulatory standards. 

XXXX and their predecessors are currently found to be in contravention of the Fair Credit Reporting Act ( FCRA ) as they serve as furnishers of information to consumer reporting agencies. Notably, they are supplying data that is incomplete, inaccurate, unverifiable and includes negative information that has become outdated. The provided information has not undergone adequate and sufficient validation processes, raising concerns regarding its legal collectability.
Product: Debt collection

I attended XXXX XXXX XXXX during the Spring XXXX semester and took two evening classes. One class I was extremely happy with, however the second class ( interior finishing ) I was completely disappointed with the instructor and instruction and the lack thereof. I spoke to the administration regarding the instructor and the fact the not only I, but other students were unhappy about the instructor and the class. From my understanding the instructor was spoken to regarding this situation, however nothing changed regarding his behavior. After giving a chance for the level of instruction to change but hadn't, I ended up dropping the class. 

On or about XX/XX/XXXX I received a notice from XXXX stating that I owed {$4100.00} in tuition for the class that I had dropped. I spoke with XXXX XXXX in the Business Office and informed her that I had dropped the class due to the lack of XXXX not providing a competent instructor for the course and that I would not be paying the tuition amount because of this. On XX/XX/XXXX at XXXX XXXX I spoke to XXXX XXXX to inquire about this issue. After getting off the phone with XXXX it was my understanding that XXXX would not seek to collect the tuition. However on or about XX/XX/XXXX I received a second notice, which I thought perhaps was an oversite on XXXX XXXX part. However on or about XX/XX/XXXX I received a " Final Notice '' from XXXX. I called XXXX on XX/XX/XXXX at XXXX XXXX. and spoke to a XXXX in the Business Office and advised her that I had sent a letter to XXXX dated XX/XX/XXXX and to delay any further collection activities. 

On XX/XX/XXXX I received a letter from XXXX XXXX law firm, XXXX XXXX XXXX, seeking to collect the debt. According to their letter I had 30 days to dispute the debt in writing and they would provide me with verification of the debt, which I did. After my letter I never received any further correspondence or verification of the the debt. I assumed that matter had been dropped. 

On or about XX/XX/XXXX I received a collection notice from Conserve regarding the alleged debt from XXXX. I called XXXX once again and spoke with XXXX XXXX and she inform me that I would have to speak to a XXXX XXXX the VP of Finance. I asked that she have him call me. I never received a call. As per the letter from XXXX, I had 30 days to dispute the debt, which I did via mail on XX/XX/XXXX. I never received a call or any correspondence from Conserve. 

On XX/XX/XXXX I received an email from XXXX Identity works which reported that Conserve reported their collection activity to the credit bureau which has damaged my credit rating which I have been trying to rebuild over the past few years.
Product: Debt collection

I XXXX XXXX MOVED OUT OF XXXX XXXX APARTMENT AND I MOVED OUT OF TOWN I SPOKE WITH PROPERTY MANAGE AND TOLD HIM WHAT I WAS DOING AND HE SAID OKAY AND I TOLD HIM TO PUT IT IN WRITING AND THE XXXX XXXX APARTMENT STILL CHARGE ME XXXX AND WE WAS NEVER LATE I TRIED TO GET ANOTHER APARTMENT AND THIS SHOULD UP ON MY CREDIT REPORT I NEED IT TO BE REMOVED IMMEDIATELY FROM MY CREDIT REPORT SO I CAN GET ME AND MY CHILDREN SOMEWHERE ELSE TO LIVED/ THANKS XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing this in regards to a 60day- late payment report made by XXXX XXXX . I have an XXXX XXXX Platinum card and I had made a reservation using XXXX on XX/XX/18 for {$920.00}. I had canceled this reservation within the time allotted stated on XXXX website. However, XXXX refused to refund me my full purchase amount and wouldnt provide me with any credits close to the amount I paid. I called XXXX XXXX hoping and submitted a dispute a few days later in XXXX of 2018. 

XXXX XXXX kept closing the dispute and said there was nothing they could do after the inquiry they made with XXXX. Over the last 9months I requested over 8 times for them to reopen the dispute and when I called them in XXXX the would not dispute the amount and stated it was my responsibility to pay for a service that I never received even though I should have been refunded the full amount. I explained that because of this high transaction amount I would need more time. They were not reasonable and demanded payment immediately for a service I did not receive. I called them a few days ago after they harassed me by phone to pay this balance, and I paid it in full and stated I will still dispute the transaction at a later time. I always make on time payments with any creditor and I do not have any derogatory remarks on my credit. Can you please help me remove the 60-day late payment as XXXX XXXX is treating me unfairly? Thank you for your time!