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

I have been a member of Experian, for years now. I have disputed the same falsely derogatory marks on the report. The one largely impacting my report, which is a utility company, who was purchased by another company, reporting a settled debt, along with they are reporting the same amount as if it is two separate companies. They're reporting dates, long after my account had been settled with them. It has taken a long time, to gather the documents to back my claim. The disputes are " completed '', normally within a couple hours. AFTER business hours, without any verifying evidence to their findings. I'm unable to get approved for a home loan, that otherwise I would. It's life altering, and causing myself and my family, undeserved grief.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXXXXXX 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

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. 

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

Issue : L J Ross Associates, XXXX XXXX XXXX, XXXX XXXX, MI XXXX has been reporting a collection account on credit report since XX/XX/XXXX for an amount of {$220.00} for a past Gas bill from XXXX  XXXX on a residential property. The collection agency has never sent letters or contacted individual regarding the collection. Disputed information with XXXX during XX/XX/XXXX once discovered the negative filing on the credit report. XXXX confirmed the dispute is valid without no investigation and reinstated the items on report during XX/XX/XXXX. XXXX system would not allow proof of claim to be submitted via their online system. 

Problem : The residential property was sold on XX/XX/XXXX. There was an overpayment on the account during settlement which was issued back to the sellers. The sellers also received email communications directly from XXXX XXXX regarding the account closure and refund for the overpayment on the account.
Product: Credit reporting or other personal consumer reports

Please remove fraudulent accounts and hard inquiries off my credit profile from XXXX, Equifax and XXXX immediately! 

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

Less than XXXX hours ago on XXXX XXXX, XXXX I responded to the news of Equifax security breach. I only learned about this on this day and responded by checking my information on their site. They indicated I was most likely affected. Even though I have a monitoring service through XXXX, I checked the box on Equifax. I saw no language or conditions about waiving my rights to sue or for extended paid services from Equifax. i tried calling them all day w/o success and they seemingly disable the contact us feature on the site. I feel this is an unlawful and unethical approach to this matter and I do not wish to have this service and do not give up my constitutional rights to anything. I also feel I am protected under California law in this regard. I simply wish to disengage in what they are trying to pull and agree to nothing from them. This is highly underhanded and unethical on their part. Equifax has made it impossible for consumers to reach them and all you get is a runaround.
Product: Consumer Loan

My insurance company attempted to make payment and requested a Letter of Guarantee for the title, but was told Regional Accepatnce 's insurance department is short staffed, so it would take between 4 - 6 weeks to draft the letter ( which at most, takes 3 - 5 business days ). I called and was told my loan would still be accruing interest and payments due while waiting for them to send the letter for a vehicle deemed a total loss. I was told I would have to make a payment extension, then told my XXXX insurance would not cover any time I had a payment extension, and that interest would still accrue ( daily ) during this time period. They are not the same company I have XXXX with and it is not in my XXXX contract.. I am now paying for my rental vehicle since it has been over 30 days, due to them stating they have an issue with staffing in the insurance department.
Product: Vehicle loan or lease

I leased a Hyundai Elantra GT in XX/XX/XXXX with a maturity date of XX/XX/XXXX. I submitted full payment on XX/XX/XXXX and the required odometer disclosure statement shortly after. I started calling in XXXX once I noticed I never got the title. Customer service said oh sorry and that they would submit an " expedited request form '' and would come in 7-14 days. 3 weeks later I still have no title and call again. They constantly say that I have all the required documents and the car is paid off so they send an email to the title department to release my title. They say the title department will respond and they will leave a note on my account but everytime I call there's no update and they just send another email. It's now XX/XX/XXXX and I still have no title and today the customer service person sent yet another email to the title department after telling me I have all the required documents submitted.
Product: Debt collection

XXXX XXXX XXXX has reported on my credit report that I owe XXXX to Why not Lease it. 

I have disputed the charges twice with XXXX, however XXXX   states they have certified the information to be correct. I provided XXXX with the documents that XXXX XXXX XXXX provided to me which clearly shows payments being made to this alleged account. 

There are three issues that I have : 1. I have fulfilled my obligation with Why not Lease it, years ago ( I only had an account one time ). 

2. How can you provide documents of payments being made, but then report 0 payments? 

3. Where is the contract that obligates me to these alleged new charges? 

I have attached some of the documents that were sent to me. You may request they send you the same. One of the documents were drawn up as of XX/XX/2019. Company 's should not be able to fabricate documents that impacts people 's lives tremendously!
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for Bankruptcy in XX/XX/XXXX. XXXX XXXX XXXX also known as XXXX-XXXX XXXX ( account # XXXX ) was included in the bankruptcy. 

I currently have an auto loan and credit card with XXXX XXXX. XXXX XXXX provides a credit monitoring service ( XXXX XXXX ) to it's member. On XX/XX/XXXX, XXXX XXXX informed me that my credit score was XXXX. 

Early XX/XX/XXXX, I received an alert from XXXX XXXX informing me that my credit score had dropped by 11 points. 

I immediately purchased membership to XXXX ( $ XXXX/mo ), Equifax ( $ XXXX/mo ) and XXXX ( $ XXXX/mo ) in order to investigate and dispute the matter. 

I found that XXXX XXXX XXXX also known as XXXX-XXXX XXXX ( account # XXXX ) had reported payment status to all three credit bureaus which caused my credit score to plunge. 

I filed a dispute with all three credit bureaus. The results came back the same, XXXX XXXX XXXX also known as XXXX-XXXX  XXXX ( account # XXXX ) confirmed that this account was part of the bankruptcy and that they should not be reporting on this account. 

However, to date ( XX/XX/XXXX ), my credit score still has not recovered. Equifax at the time XXXX/XXXX reported in XXXX, my score was XXXX. Today it is currently XXXX. XXXX at the time XXXX/XXXX reported in XXXX, my score was XXXX. Today it is currently XXXX. XXXX at the time XXXX/XXXX reported in XXXX, my score was XXXX. Today it is currently XXXX. 

Today, as I prepared my evidence to upload, I noticed that the last date that XXXX/XXXX reported to Equifax was XX/XX/XXXX. XXXX/XXXX is still reporting and ruining my life. The current XXXX report does not reveal the last date reported. XXXX XXXX website is having technical difficulties so I was unable to retrieve a current report. 

My credit is damaged. I can't apply for many of the credit card offers that I have received since XX/XX/XXXX. I would like to change my residence. I would like to rent a single family home, but I would not qualify for the rental of a house, in an area of my liking, with this damaged credit. 

I dont know where to begin to attempt to figure out how high my credit score would be if XXXX/XXXX  had not committed this error. All I know is the XXXX/XXXX has caused me and my credit status grave damages and this must be rectified immediately if not sooner.
Product: Consumer Loan

I purchased a XXXX XXXX XXXX from XXXX XXXX buy here pay here in XXXX XXXX. According to there web -page application process they advertise Helping people rebuilding their credit. Not so, when asked if they report to the Credit Bureau I was advise no. Why advertise this This is deceptive and Abusive practice to customers who want a chance at rebuilding their credit No I have n't been on time, but let me believe is wrong. I want a refund of The payments I have made so I can work with honest people that wo n't lie tour To me. I would have never found this out if I had n't pulled my credit report..
Product: Credit reporting

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their comoany has on file that was used to verify the accounts I disputed. Being that they have gone [ ast the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verifed '' that I have disputed. Please resolve this matter as soon as possible. Thank You.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  account number XXXX was opened XX/XX/year>. I contacted XXXX and they send me the info showing the info that was used to open this account. one problem is the email is not me and the person used his name in the email address. I was XXXX in the XXXX and had no clue of this issue. From XXXX : Additionally, the account was used for local transactions and several payments were made. It is also noted that the email address and phone number included in your CFPB correspondence, XXXX and XXXX, match the email address and phone number provided on your original application. I would like this account removed from ALL credit reporting company 's ASAP. 

Also, there is no contract signature from myself as stated in their letter. 
As well they stated they sent the security info to a email that dont belong to myself. 
This is a clear Violation of the fair credit act!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit and noticed several discrepancies. Theres some accounts on there which I do not recognize and have never done business with. Some seem to be collection companies for companies I have never even inquired with or used in my life. I think I have been subject to identity theft. It looks like this person has gotten credit cards and automobiles in my name when I myself haven't even had a car. If you can please help me with this I would greatly appreciate it I am trying to get a car for my children and I and this is not letting us. Thank you.
Product: Debt collection

This account is from XXXX and they keep reporting it as new. They reported it last on XX/XX/XXXX. They are saying that the account was opened in XXXX and it definitely was not, it was XXXX. 
The amount is {$1200.00} and its negatively affecting my credit score when it should be gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account XXXX XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX account numberXXXX
Product: Debt collection

I was involved in a car accident. My car was new so my insurance was on a binder until the new auto info was given. The police said i was not at fault. The insurance company, XXXX XXXX, went against the police and law, and said i was responsible. 
A collection agent, Vengroff Williams Inc., is now trying to collect money for XXXX XXXX, and the amount is over 7 times higher than the highest of the XXXX estimates. 
i have tried to talk to XXXX XXXX, and they are stone walling me and rude. I am not responsible, yet XXXX XXXX made it so. 
I simply want XXXX XXXX, to tell me how they made me liable, when the police and law say i am not. I was not cited, the other party was.
Product: Credit card

Chase did not honor the reward terms for its " XXXX XXXX Boundless Credit Card From Chase '' and refused to explain the decision or collaborate with the customer to resolve the issue. 

I enrolled and started using Chase 's XXXX XXXX XXXX Credit Card in XX/XX/XXXX. The credit card marketed " Earn XXXX points for every {$1.00} spent at hotels participating in XXXX XXXX '' ( see Chase XXXX XXXXXXXX XXXX XXXX  ). 

However, in reality, Chase only provided XXXX points per {$1.00} spent for my XXXX XXXX hotel stays from XXXX to XX/XX/XXXX ( see XXXX XXXX XXXX XXXX XXXX XXXXXXXX  ). The hotels spent were at XXXX XXXX and XXXX XXXX in XXXX, and were booked through XXXX official mobile app ( see XXXX XXXX XXXX and invoice for each stay in the dated pdf files ). 

I called Chase customer service on XXXX to report the issue. Chase sent a letter on XXXX saying they " researched the purchases '' and decided that " the charges are not categorized as the XXXX property '', and refused to make corrections on the points rewarded ( see Chase XXXX  XXXX  ). 

I then called Chase again to ask for an explanation and offered to provide the documents proving that the purchases were made at XXXX hotels booked through XXXX directly. However, Chase refused to provide an explanation or consider my documents, and informed me that the decision was final, and I was welcome to submit a complaint or resolve through legal action. 

The total credit card expenditure on these XXXX hotel stays were {$17000.00}.
Product: Debt collection

Im not sure what auto insurance this is, since I dont remember having insurance under this name. I guessed it may have been thru an umbrella company with different names under it.
Product: Payday loan, title loan, or personal loan

I had a checking account with overdraft protection ( which was really a XXXX ) with TCF Bank which was bought by Huntington Bank. I closed all my accounts in XXXX, in branch ( XXXX Huntington Branch ). The teller said all accounts were closed but that they didn't give paperwork for closing an account. 

In XXXX I got a bill from Huntington for {$1.00} from this XXXX which I'm guessing is random interest charges or something but more importantly the account was still open. I went into the branch ( XXXX XXXX, XXXX ), paid the bill and told them to close the account and give me some paperwork. The teller said the account was close but that I'd have to speak with a Banker to get any confirmation paperwork. 

I waited to speak to a banker and he said the account was not closed and that I actually had to send an email to Huntington Bank requesting the account be closed and that the email must include my signature. 

This is crazy... I can't close an account after I'd been told it's closed twice. I literally can't go to their location and close an account? I know many people that would struggle to get a signature into an email. This is really, REALLY not cool. They are literally making me jump through all these hoops so I'll just give up and they can keep their number of accounts higher.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made many attempts to remove this incorrect reporting XXXX XXXX XXXX XXXX. This account is reporting either in error or as a result of identity theft. The child Support that had is with Georgia and its balance is reflecting {$11000.00}. 
Incorrect Creditor : XXXX Incorrect Balance : {$33000.00} Incorrect Monthly Payments are showing {$11.00} Correct Creditor : XXXX XXXX XXXX Correct Balance : {$11000.00} Correct Monthly Payments : {$120.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 at around XXXX my fiance sent me {$30.00} to my CashApp and I hadn't realized that I did not activate my card. I tried to log into my account to activate the card but was unable to do so as my phone had been stolen just a couple days before. I tried to make a new CashApp to get the money back and told CashApp customer service the issue. They will not help me to gain access to my previous account, despite having verified my identity several times using my full name, date of birth, social security number, and address. They even refuse to help get the funds sent back to my fiances account. Also, They have not refunded the transaction despite it showing canceled on my fiances transaction receipt. They are denying us our money and refusing to help correct the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

After a dispute with my financial institution I decided to close my primary banking account with XXXX which was effectiveXX/XX/XXXX Prior to this I did have a dispute in progress and had the account frozen to prevent any further funds going in or out. On XX/XX/XXXXI made a payment to my capital one card and their system updated it for the amount of {$330.00} On XX/XX/XXXXI had been sent notice the account payment was returned. I figured there was a glitch on my behalf and attempted another payment for {$450.00} on XX/XX/XXXX and was notified that this to was returned on XX/XX/XXXX. 
After this occurred I began getting calls from Capital one trying to " verify '' with my bank that I was the only one listed on the account - this process included them present on the line while I verified my passcode and security questions - total invasion of my privacy. 
After this I tried to use my other bank account but was unaware of the cost of fees for courtesy pay and miscalculated my funds and had another attempt to pay the balance. I used a pre-paid debt card - there was money on the account - this was an XXXX XXXX serve card. 
I made a payment that was also returned - I was bewildered by this - as there were funds on this card to specifically make that one payment and nothing else. This was done XX/XX/XXXXand by XX/XX/XXXX I had the notice the payment was returned, I attempted to call into the bank but did not due to the wait time and finally set up the payment to be processed as an scheduled payment to a payee through the XXXX XXXX account. 
This took a few days to process however by XX/XX/XXXX the capital one payment of {$310.00} has posted bringing my balance to {$240.00} - however capital one reported to my credit that I owe an amount of {$560.00} and am over 60 days late This information could not be more incorrect Finally frustrated I called into capital one to discover they have closed my account and reported this as behavior inconsistent with those they like to have their accounts perform in - I did get more than upset and reported this to capital one who stated to destroy the card and they will continue to send statements until my balance is at {$0.00}. 
I understand where there could be trouble however my complaint is at this time inconsistent reporting and at this time damaging credit scores due to their expectation - they closed my account after they verified that the account would be substantially funded and brought back to the within limit amount.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received notifications from my creditor 's credit monitoring service that there were several hard inquires on my credit report. I did not try to open any new lines of credit, auto loans or credit card applications. 

I reached out to all off the creditors that were reporting a hard inquiry. 

Bank XXXX XXXX XXXX XXXX loan- this was flagged by them as fraud and reported to the XXXX credit bureaus. 
Us Bank XXXX- this was flagged by them as fraud and I was told to report it the bureaus XXXX XXXX- said they did not receive the inquiry or application but it is showing on my credit report by all XXXX bureaus. 
XXXX - flagged as fraud and reported to bureaus - sent a letter dated XX/XX/year> XXXX XXXX - reported as fraud and reported to bureaus - XXXX XXXX sent a letter dated XX/XX/year>XXXX XXXX  - called me on XX/XX/year> to confirm an application in my name- they had my address, date of birth and drivers license information as well as an email that was incorrect XXXX ( XXXX ) - a new credit card was opened in the amount of {$35000.00}. I called chase immediately and let them know this was not authorized by me and asked them to remove the new credit card from my account