23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I rented from someone that has many properties. I worked for him XXXX  and also made payments every month in the amount I signed my 12 month lease for. I dealt with terrible conditions of this trailer for 12 months. There was a water leak that was never fixed that caused big hole in the floor. I asked them to fix and was never fixed there was a bedbug infestation from the time I moved in up until I moved out at the end of my lease. He never did anything and my children got sick from it.. Also mold that was never fixed. After my lease was up I moved and I told him I was leaving that I would not renue my lease because he never moved me out of the home nor did anything about the conditions, he sent off documents stating that I moved out 3 months before my lease was over and that I owed him for them 3 months and as well as charging me for the conditions of the trailer in the amount of XXXX bucks.. I have all documents proving I do not owe anything and as well as conversations between him and I about the conditions of the home.. As well as every recipe for rent for every month.. I am taking him to small claims court because this is wrong.
Product: Credit reporting or other personal consumer reports

I disagreed and requested an investigation into this Account : XXXX - Account Number : XXXX starting last year in XX/XX/XXXX with XXXX, Experian, and XXXX responded that they modified it with updates stating it was accurate. Last month, in XX/XX/XXXX, after reviewing my recent credit report I requested another investigation into the same account with the credit agencies. All three companies noted that they verified my account as accurate. Again, some Inaccuracies are still being reported in my credit report. For instance : the actual payment history of {$100.00} in XX/XX/XXXX and {$100.00} in XX/XX/XXXX and the past due amounts are inaccurate among all three credit bureaus reporting hurting my credit tremendously. Yet, they allowed these inaccuracies to remain in my consumer file. This account is not 100 % accurate -it is deemed INACCURATE and should be deleted immediately from my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ). ( A ) In general If, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, any item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify the item of information, as appropriate, based on the results of the reinvestigation : and ( ii ) promptly notify the furnisher of that information, that the information has been modified or deleted from the file of the consumer. I'm asking you to delete this inaccurate account from my credit report and send me an updated copy of this report in 15 days. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

dear sir/madam, the   XXXX   XXXX   XXXX   was started report on   XXXX   XXXX   XXXX  , an account, that was an a Personal loan for {$5000.00}, opened on   XXXX   XXXX  . THEY ARE REPORT like a " Conventional Real Estate Mortgage '' AND  (  Closed - Derogatory ) impacting my score in a frivolus AND MALINTENTION TO HURT MY CREDIT MORE, because that account was included in a chapter "  XXXX  '' schedule, AS A PERSONAL LOAN NOT A MORTAGE, on   XXXX   XXXX   XXXX   and discharge on   XXXX   XXXX      (  United States Bankruptcy Court  XXXX   XXXX  of Florida.     credit report :  XXXX   XXXX ,  XXXX .   XXXX   XXXX    XXXX , P.R. XXXX  (  XXXX  )  XXXX  Reported on  XXXX   XXXX ,  XXXX  {$4700.00} Account Details Last Reported   XXXX   XXXX   XXXX   Creditor Name   XXXX     XXXX  Account Type Conventional Real Estate Mortgage Account Status Closed - Derogatory Opened Date   XXXX   XXXX   XXXX   Closed Date   XXXX   XXXX   XXXX   Limit Term 60 Months Monthly Payment {$140.00} Responsibility Individual Balance {$4700.00} Highest Balance {$5000.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment   XXXX   XXXX   XXXX   Amount Past Due {$1700.00} Times  30/60/90  Days Late 0/0/0 Remarks Charged off as bad debt Profit and loss write-off
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX XXXX  cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card

Company : CHASE and XXXX Issue : They can not help me with refund request due to a merchant 's unethical and scammy business practice I called Chase about a situation i have with XXXX and one their merchant in their XXXX play site. 

The situation was - I found out that the application i downloaded and made in-app purchases implements unfair practice in their game that results to a huge disadvantage to its paying customers. 

XXXX said that they can not help me with the refund. I should reach out to the developer of the app for any refund request. 

I reached out to the application developer several times but they are not responding to me. 

According to their contact information shown in the XXXX play site their email is XXXX and their address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This doesn't seem to be a US company. 

I called Chase to ask for their help with my refund. 

They said that my purchases in the app is something they can not dispute and that i should reach out to the application developer for refund request. 

I am now stuck and no one can help me refund a total of XXXX USD worth of purchases from XXXX Pay with a description XXXX * Legend Survival Clash. 

Chase said they do not have the dispute right. 

This made me realize that i am not protected, as a user of their credit card, to scam and unfair practices of this application developer. 

I am attaching all the email i sent to the developer and XXXX. 

I do not have a recording of the call with chase - but i am planning on sending them a letter for my dispute.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Charge-Off on My Credit Report From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX Phone : XXXX ( XXXX ) XXXX Dear Experian Representatives, I am writing to you in exercise of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX XXXX. XXXX, to dispute the accuracy of an item on my credit report, specifically a XXXX entry. 

Excerpt from the XXXX : XXXX XXXX  XXXX As stated in the law : ( a ) Reinvestigation of disputed information by consumer reporting agency. 
If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency 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 delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer. 

This provision clearly requires credit reporting agencies to verify the accuracy of reported information and to correct or delete any information that can not be verified within XXXX  days of receiving the dispute notice from the consumer. 

Therefore, I respectfully request that this XXXX entry be verified with the reporting entity. If it can not be confirmed as accurate and complete, it should be promptly removed from my credit history. 

I have attached a copy of my identification and my credit report for your reference. I kindly request a written confirmation of the resolution of this dispute within the legally required timeframe. 

Thank you in advance for your attention to this matter. I look forward to a prompt resolution in compliance with legal requirements. 

Sincerely, XXXX XXXX XXXX XXXX
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 and also violated compliance procedures under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
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.

15 U.S.C. 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates i have attached the reports showing that they arent accurate after they said they did there investigation.if an investigation took place like that said why are they still inaccurate
Product: Credit reporting or other personal consumer reports

As I reviewed my most recent Credit Report, I noticed that there are accounts that still appear on my credit report after I sent my investigation request and I find these incorrect and inaccurate. I request proof that you went through all the proper and legal steps that would have been necessary to verify. 

Kindly eliminate/block the accompanying records as they are false and were opened without my assent or information.
Product: Credit card or prepaid card

Basically I was renting a car from XXXX through XXXX I was done renting car and the lady at counter said there was two contracts on the car I rented at the same time she tried fixing mistake I paid my rental in full then a week later on the same day XXXX added the additional bill on car with out my written authorization I have been disputing these charges for over 8 months then they allowed XXXX to add a third charge I told them over and over I did not authorize these charges for over {$8000.00} XXXX and XXXX are not honest companies XXXX has double charged over thousands of customers and reported rental cars stolen I refuse to pay these charges that are not mine bank of America acts like they are affiliated with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I received a letter stating back " They do not report any Bankruptcies to Anybody. '' So if that's the case .How did the Credit Bureaus verify my Bankruptcy as 100 % Accurate.They never did a Fair Investigation according to the 15 USC 168.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's charter, general reputation, personal characteristics, or mode of living is to obtained through personal interviews with neighbors, friends, or associates of the consumer report on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a Consumer 's Credit Report obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated My Rights numerous times.

The Credit Bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C.1681 Section 602 A.States I have the rights to privacy.
Product: Credit card or prepaid card

XX/XX/17 - I applied for an American Express Blue Cash Everyday Card. <P/>XX/XX/17 - I received a denial letter from American Express Blue Cash Everyday Card. They stated American Express cancelled your previous account ( s ). <P/>XX/XX/17 - I informed American Express that I dont remember previously having an account with them and asked they send me a copy of the account ( s ) including : Name of account ( s ), Account  numbers, Debt ( s ) and Dates on the account. <P/>XX/XX/17 - I received a second letter again stating American Express cancelled your previous account ( s ). <P/>XX/XX/17 - I again asked them to submit me proof that I ever had an American Express account by sending me : Name of the account ( s ), Account numbers, Debt ( s ) and Dates on the account. <P/>XX/XX/17 - Again they ignored my second request for proof from a previous American Express Account and stated they would request Experian to suppress the inquiry from my credit report.
Product: Student loan

Navient has been collecting money from me for 8 years now and I do n't know why they wo n't help me. 1 ) I never opened these loans 2 ) I 've been paying them and when I do n't have the money to pay or when I call and tell them that I ca n't afford the payments they tell me there 's nothing for them to do about it. They have no options for me.
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. Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the Transunion shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt. 

XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting

Am having a huge problem with Equfax for the past few years they have not be releasing my file to anyone i ca n't disputes online i do n't understand what else to do. I need your help to look into this issue with this company. I want them to release my file so that i can access my report trough third party and also able to disputes incorrect information on their site.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is still reporting on my TransUnion credit account. 

I do not have any recent existing bank with them anymore.
Product: Debt collection

I contacted the company on XX/XX/XXXX and they could not give me any information about my debt. All the representative did was run my credit report without notifying me that there was a monthly charge and only wanted to charge me to dispute them. He could not and wouldn't give me information about the loans through them.
Product: Credit reporting, credit repair services, or other personal consumer reports

ITS BEEN 60 SOMETHING DAYS AND I HAVENT RECIEVED ANY CORRESPONDENCE FROM THE BUREAUS IN QUESTION AND THIS HAS GOTTEN OUT OF HAND, THESE INACCURACIES ARE BLATANT ERRORS PLEASE CORRECT THESE A.S.A.P
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XX/XX/XXXXXXXX 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

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NO
Product: Student loan

Ive had a student private loan for 20 years now I can no longer afford to pay them. Theyve taken all my money they keep changing servicing companies, and now they ruined my credit and they will not help me with any kind of forbearance or anything.
Product: Credit reporting or other personal consumer reports

Pursuant to 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) Ceasing communication 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 consumer, the debt collector shall not communicate further with the consumer with respect to such debt Reporting this collection account within my consumer/credit report is a form of communication. 
I, the consumer, have not given XXXX XXXX XXXX XXXX XXXX XXXX prior consent to contact me.

In addition, I have sent numerous communications stating I am refusing to pay this debt. 
I, the consumer, never gave the original creditor, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Experian, XXXX, XXXX XXXX written XXXX or consent to obtain my information or to furnish my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance 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. 
XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A. 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 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

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

The 3 Credit Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA N ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

CAPITAL ONE BANK USA N XXXX Balance : {$5400.00} ; CAPITAL ONE BANK USA N XXXX Balance : {$3100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent Equifax a detailed letter via XXXX Certified Mail with tracking requesting my credit report. They have not responded despite proof of receipt and sufficient time to process the request. I have attempted to call them multiple times and they will not transfer me to a live representative ; only loop through several prompts and then disconnect the call. 

I have submitted a complaint with Equifax on XX/XX/2021 and their response indicated that someone else 's information is on my credit report and therefore will not respond. 

I am a documented victim of XXXX XXXX  and Equifax 's refusal to send me my credit report and their response is further proof that my credit report is in jeopardy of additional XXXX XXXX and XXXX. 

Proof of my XXXX has been attached, including XXXX XXXX, XXXX XXXX XXXX, and a recent XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unautorized Illegal inquries on Equifax Credit Report. Certified letters XXXX XXXX XXXX XXXX XXXX XXXX