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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Michigan  XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative information currently listed on my credit report. I believe that there are a number of errors that need to be corrected as soon as possible. 

Bankruptcy XXXX XXXX - Discharged Case Number : XXXX To the best of my knowledge, this does not belong to me. Please remove it immediately from my credit file. 

XXXX XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. DEPT OF EDUCATIONXXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. 

XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. Fix or delete this account from my report completely. 
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. Fix or delete these accounts from my report completely. 

XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX ( x6 ) I have no recollection of authorizing these credit pulls and I demand they be removed. 

I appreciate your prompt attention to these matters and look forward to seeing the necessary corrections made to my credit report. Please inform me in writing of any changes made to my credit report as a result of this dispute. 

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

HIRE RIGHT XXXX, is allowing inaccurate, erroneous and false information to be reported about me and my employment history, on its platform, particularly from XXXX XXXX XXXX. I reached out to HIRE RIGHT XXXX multiple times to correct the information, but it refuses to thoroughly investigate the matter, and correct the inaccurate, erroneous, false, and detrimental information it has on my employment / consumer report. Falsehoods about me, my ethics, reputation, employment history, etc. are on my consumer report, and this information is damaging to me as a professional, XXXX XXXX XXXX XXXX. 

I was employed by XXXX XXXX XXXX years ago and was wrongfully and abruptly terminated. When I filed for unemployment, XXXX appealed it. During our court hearing, XXXX, literally, told the Honorable Judge the same falsehoods it told HIRE RIGHT. However, the XXXX asked for XXXX to submit proof that all their claims were true. XXXX, literally, couldn't provide the proof for any of its claims because they weren't true. The Judge ruled and said that " ... the employee may have been terminated, but it wasn't for the reasons stated ... '' HIRE RIGHT XXXX is refusing to correct the information in its database, properly and thoroughly investigate the matter, or uphold Federal Law as a Furnisher. HIRE RIGHT claimed that XXXX XXXX verified these falsehoods with " proof, '' but is refusing to provide this " proof '' to me, including, but not limited to, emails, records, etc., HIRE RIGHT isn't upholding Federal Law regarding its reporting on my consumer / employment report ( s ).
Product: Credit card or prepaid card

I ordered a replacement credit card on XX/XX/XXXX. The rep said it would go out the next day and I would receive it in 3-5 business days. After XXXX I called to see why I hadn't received it yet. The rep said they were having shipping delays and I'd receive it in 2-3wks from XX/XX/XXXX. I called the following week to get tracking and was advised that no cared had been shipped. I requested a manager who told me that I would not receive my card until XX/XX/XXXX. I called a week later, last week, to see if I could get another card overnighted to me or be told what the initial replacement card number was. I have several auto payments coming out of the account that have been rejected due to me not receiving a replacement card. I have no other source to meet these payment obligations. When the rep told me no, I requested a supervisor. This supervisor advised me that there was no record of me calling and speaking to any supervisor. I requested that the security dept call me back so that they could give me my new acct number. The supervisor told me that someone would call me back in 1-2days. I called back yesterday, a week later begging the supervisor for some type of accommodation to help me with the XXXX in fees that have accumulated due to the negligence of ASPIRE. She said she would research and call me today.
Product: Debt collection

Firstsource Advantage LLXXXX has been sending me messages daily for the last few months to resolve a debt. I have reached out to the XXXX to file a complaint for the reoccurring attempts to collect a debt and the emails won't stop. The company that they are collecting for is XXXX for the amounts of {$360.00} and {$200.00}. 

Last four of account : XXXX - {$200.00} Last four of account : XXXX - {$360.00} I am not liable for this debt with charter communications. I do not have a contract Firstsource Advantage LLC they did not provide me with the original contract as I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CONTACTED TRANS UNION AND THE STATED THEY CAN NOT FIX THE FACT THAT EVEN MY OLDEST ACCOUNT IS 20 YEARS OLD AND  APPEARED 11 YEARS CAN NOT DO NOTHING. THEREFORE I NEED ASSISTANCE TO MAKE IT AS IS SUPPOSED TO SHOW 20 YEARS. 

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

CC : Consumer Financial Protection Bureau ( CFPB ) CC : South Carolina Attorney General ( Complaint Filed ) CC : XXXX XXXX XXXX  ( XXXX  ) XXXX : Federal Trade Commission ( FTC ) CC : XXXX, Equifax, XXXX Dear XXXX, I am writing to dispute the charge-off that appears on my credit report for account XXXX. I believe that this charge-off was the result of multiple violations of federal law, including the Uninformed Decision Law ( 15 U.S. Code 1601 ( a ), the Lack of Evidence of Indebtedness Law ( 15 U.S. Code 1602 ( g ) ( 2 ), and the Adequate Notice Law ( 1643 of 15 U.S. Code 1602 ( k ). Therefore, I am requesting that it be removed from my credit report. 

Firstly, I was not properly informed of my rights and responsibilities under the Uninformed Decision Law. This law requires that creditors provide consumers with certain information, including the cost of credit and the consequences of non-payment, before they can legally charge off an account. I believe that I did not receive adequate information regarding my rights and responsibilities, and as a result, I made an uninformed decision. Such notice may be given to a cardholder by printing the notice on any credit card or honest on each periodic statement of account issued to the cardholder or by any other means reasonably assuring the receipt thereof by the card holder. 

Secondly, I have not received any documentation from the creditor showing that I owe the debt in question, which is a violation of the Lack of Evidence of Indebtedness Law. I am therefore unable to verify the accuracy of the charge-off. The only evidence of this debt was the agreement but the agreement, but that agreement was null and void because I made an uninformed decision, I did not understand this agreement and it was not clear and conspicuous. 

Lastly, I do not believe that I received adequate notice from the creditor regarding the status of the account, which is a violation of the Adequate Notice Law. I did not receive any communication or notification from the creditor regarding the impending charge-off, and I was not given an opportunity to rectify the situation before the charge-off occurred. 
Given these violations of federal law, I request that you investigate this charge-off and provide me with a detailed explanation of why it was reported. If it was indeed the result of violations of federal law, I ask that you remove it from my credit report. 

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

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

My late father 's house had a {$120.00} utility bill by XXXX XXXX. The bill was sent to the new owners and they did not forward the bill to me for payment. 
I sold the house and the bill was in limbo as to who owed the bill. 
I never received any notice from XXXX, or XXXX, ( collection agency ) until it was turned over to collection. I sent two letters to XXXX explaining the situation and that the bill was due / paid by the new homeowners. Zero response from XXXX. 
Finally when I saw the collection on my credit report, I called XXXX and explained that I would pay the bill but I needed the collection off of my report. They stated that they would show it paid, but not take off the report. 
I contacted XXXX XXXX and they stated if I paid them, ( XXXX ) they would notify XXXX that this was paid in full, and to mark paid and remove from my credit report. This was not done. 
I filed letters with the three credit agencies stating the dispute, and to remove. XXXX  removed it in 24 hours. The other two agencies have not. 
This gross mistake by XXXX is costing me a mortgage and poor credit score. 
Thank you in advance for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous accounts. The 3 credit bureaus must verify these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be deleted from erroneous reporting in my file. 

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

To whom it may concern, Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave XXXX, Equifax, or XXXX any written consent to report anything on my consumer report. No consent is Identity Theft.
Product: Credit reporting or other personal consumer reports

I mailed a letter to first progress card, and I requested a 1099C to be sent to my address so I can file the canceled debt as gross income on tax return. I have yet to receive what I request. The reporting of this account is in accurate, income does not get reported on the consumer report. The IRS clearly defines a charge off as Gross or Ordinary income.
Product: Debt collection

Seen it on my credit report. The dates it said I was at the emergency room I was out of town.
Product: Vehicle loan or lease

I have had XXXX XXXX XXXX XXXX XXXX I was almost 2 months past due. I called and I was told I can get a deferment as long as I made my XXXX payment. I asked my family to help me we gathered XXXX dollars made the payment. I call XX/XX/XXXX to deferred my XXXX payment. I am not being told I cant this doesnt help me now as I Owe my family money. My checks wont start flowing until the end of of then month.
Product: Credit card or prepaid card

I advised Chase of the billing error for goods and services not received. Chase refused to file a claim and said I had to call back another day. Per Reg Z a financial institution can be notified in writing, mail, or by phone and the institution must start investigating the billing error once notified. 

Call to chase took place on XX/XX/2019. Representative said he would simply notate account. I asked when funds would be credited to account, and he ignored the question and ended the call.
Product: Money transfer, virtual currency, or money service

My bank is WellsFargo.

The total money scammed from my bank account is at least {$50000.00} 0r more. My bank tried to help, they couldnt help reverse my money. It was reported to Wellsfargo of the scam, since I authorized it they couldnt help at all, even though it was a scammed, they said they couldnt help me.

The dates I was scammed are the following : 1. {$1000.00}, XX/XX/year> Reference # XXXX. ( Transfer ) Money Transfer or purchase bitcoin online XXXX. {$2000.00}, XX/XX/year> XXXX {$2000.00} XX/XX/year> XXXX. {$9900.00}. XX/XX/year> XXXX. {$5000.00} XX/XX/year> XXXX {$5000.00} XX/XX/year> XXXX. {$3000.00} XX/XX/year> XXXX. {$98000.00} XX/XX/year> XXXX. {$3500.00} XX/XX/year> XXXX has transactions has one reference number : XXXX I hope to get help from you. 


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

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX Balance : {$700.00} ; XXXX  XXXX Balance : {$1400.00}
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 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. To Whom It May Concern : I recently received a copy of my consumer report and I noticed some accounts on my consumer report that should not be on there. These agency is in violation of 15 USC 1681i ( 2 ) ( A ). They were to notify me of this in writing 5 days prior, I was not notified. In addition to the Violation above pursuant 15 USC 1681ia ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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 that 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. As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report immediately : Listed of accounts to be deleted. The above Accounts are inaccurate, the character is incomplete, you are reporting a charter amount that is incomplete and inaccurate.
Product: Credit reporting or other personal consumer reports

On my XXXX report it shows an account from Current that is on my XXXX report that is not mine I have no knowledge of this account and I did not open a secured credit card with current I have no cards no account with that financial company.
Product: Credit card or prepaid card

I filed a dispute back on XX/XX/XXXX of this year with American Express for a vacation package that I purchased back on XX/XX/XXXX. The day of the vacation my flight was cancelled by the airline. Messing up the reservations. I tried to resolve the issue with the travel agency to get a full refund back since I already purchased insurance on the vacation package. The travel agency started to give me the run around. Leaving me no other choice but to dispute this matter my credit card company which is American Express. The rep that I spoke to via live chat ensure me not to worry that he was going to help resolve this issue. A dispute was initiated and American Express credit back the entire amount which consisted of the hotel fee and the airline fee combine into one. Now the hotel did refund me their portion but it was not the amount they agreed to via email. Now almost three weeks later I received a letter from American Express stating that they are going to reverse the credit siding with the merchant without. Without reaching out to me to request any documents to support my dispute. Like the rep stated in the live chat conversation. A copy of the live chat conversation with one of the American Express rep will be upload to support my claims. It will show were I offered to forward email conversation between the travel agency and I to show proof of them promising a refund of the hotel stay which was about {$750.00}. I also reached out to the airline which is XXXX and they stated that they cant issue me a refund twice. Because the ticket purchase was charged back. I believe every purchase made with American Express is insured but the fact that they decided to side with the merchant as opposed to the cardholder says a lot. There should be some type of investigation on how American Express handle and process their dispute. I copy of this complaint was also sent to my state attorney generals office for further investigation. I have uploaded support documents to support my dispute against American Express
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting information on my credit report that I do not have knowledge of. I have asked Equifax on the following dates the questions below. 
XX/XX/2021 XX/XX/2021 Accounts XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX The companies below and your company DID NOT notify me 5 days before placing these accounts on my credit report which os a clear violation of my rights under the FCRA. Please remove these accounts immediately. Please provide all of the information below for all of the accounts I listed above. 

What is the date of first delinquency? 
What is the date of last payment? 
How was this account verified with my full legal name, date of birth, and social security number? 
What is the address on file with the account? 
What is the phone number of the company providing the information to your company? 
What is the address of the company providing information to your company? 
What is the date of the original contract when the account was opened? 
Was the information sent to your company by electronic mail, facsimile, XXXX, USPS, XXXX, XXXX, or another secure method? 
What is the name of the person that is providing information to your company? Is it someone from the company or a third party? 
Please provide a clear copy of a contract for each account showing my name, address, and signature. If your company can not provide all of the information I am requesting, please remove the accounts from my credit report immediately. 

Equifax never answered any of my questions and none of these companies sent me a letter in reference to the accounts they reported to Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I signed up with the national debt relief to eliminate some debt. In XX/XX/XXXX, I completed my last payment. One of the creditors was Discover Bank Student Loans ( SLS ) ( hereinafter " Discover '' ) and it was the last creditor I paid off. The settlement agreement was established on XX/XX/XXXX. The balance was {$16000.00} ; settlement amount was {$9700.00} ( amount that I paid ) ; and the write-off amount was {$6400.00}. Around XXXX XXXX, I received an alert that I have negative activity on my credit report from Discover. I then got all of my credit reports and found that it showed late payments from XX/XX/XXXX up to XX/XX/XXXX with Discover. I disputed the negative activity with my credit reports and they came back as unchanged. I called the Debt Relief company to figure out what happened, since I already paid off the settlement amount. On XX/XX/XXXX, I found out that my settlement agreement was made on XX/XX/XXXX via certified verbal approval by manager XXXX XXXX at Discover. As of XX/XX/XXXX, my credit still showed as being late on payments for Discover. I called Discover and they said they still own the loan, so I gave them the information about the settlement agreement and a few days later when I called back they said my account was fixed and I had a XXXX balance. Since then, I have tried to get a paid in full letter ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) with no success. Every time I call they have some excuse about why I have not received it. My credit report still shows up as negative for Discover from XX/XX/XXXX to XX/XX/XXXX and I've had my credit limit reduced on another credit card due to the reported late payments. I believe Discover has violate the Fair Credit Reporting Act. They furnished and reported old information and furnished and reported inaccurate information.
Product: Credit card

I disputed a charge on my account that should not be there as a company owes me money for returned product and I was not given credit. It is a large amount. To dispute a charge you have to call and wait on hold FOREVER. It took almost an hour to get to an actual person then no one could help because they claim their system is slow and you can't understand what any of them are saying. Finally they sent me a link to upload documentation for my dispute, which I did immediately. I had no issues uploading the documentation after going through the hassle of putting everything into their weird format that doesn't allow large documents. Then the charge reappeared on my credit card statement. I tried calling again and was put on hold FOR OVER AN HOUR while everyone claims their system is slow and there are no notes from my previous call. This is ridiculous. Additionally, every time I log into my credit card online, it forces me to reset the password to a new password EVERY SINGLE TIME so it takes quite awhile to log in just to check. Then because I'm waiting on hold for so long I have to redo that multiple times while waiting on the phone. This is absolutely ridiculous, it's like their strategy is to frustrate you into giving up so you just pay the false charges. They need to fix this. Finally over two hours later they say they need a receipt for a service. What receipt for what service??? The whole point of the dispute is that that's not my charge. I uploaded the documentation already.