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

I asked the credit bureaus to do a verification of everything on my credit report and they said they did, they stated everything was accurate. 

This was a LIE and I have the letters from the Credit Bureaus to prove it. 
I have letters from The Credit Bureaus Stating that they " COULD NOT FIND THE DEBT REPORTS I ASKED TO HAVE REMOVED ''. 

The Credit Bureaus Also Asked Me To VERIFY MYSELF, because they couldn't find the credit file I am disputing on their records ; so how are the Credit Bureaus PROPERLY VERIFYING THE MEDICAL DEBT, if they have inadequate information. Which they are closing on my credit reports, THEN REOPENING the debt on my credit reports. 

I did a thorough research myself and found improper inaccuracies on the credit report even after they did the thorough research. 

1. Account name : XXXX XXXX XXXX Account Number : XXXX Amount : {$6300.00} Date Opened : XX/XX/XXXX. 

**This account showed closed on XX/XX/XXXX on my XXXX Credit report, and as of XXXX is back on my credit report showing open. 

This Account has been closed twice on my credit report and put back on my credit report twice, claiming it was verified, which is not true at all ** I will include screenshot of this evidence**. 

2. Account name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$9000.00} Data Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$2100.00} Date Opened : XX/XX/XXXX 4. Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Amount : {$820.00} Date Opened : XX/XX/XXXX In accordance with the fair credit reporting act convergent 1. Account name : XXXX XXXX XXXX Account Number : XXXX Amount : {$6300.00} Date Opened : XX/XX/XXXX. 

**This account showed closed on XX/XX/XXXX on my XXXX Credit report, and as of XXXX is back on my credit report showing open. ** I will include screenshot of this evidence. 

2. Account name : XXXX XXXX XXXX Account Number : XXXX Amount : {$9000.00} Data Opened : XX/XX/XXXX XXXX. Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Amount : {$2100.00} Date Opened : XX/XX/XXXX 4. Account Name : XXXXXXXX XXXX XXXX XXXX  Number : XXXX Amount : {$820.00} Date Opened : XX/XX/XXXX has violated my rights 15 U.S.C 1681 section 602A. states I have the right to privacy 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

I also have letters from The Credit Bureaus Stating that they " COULD NOT FIND THE DEBT REPORTS I ASKED TO HAVE REMOVED ''. The Credit Bureaus Also Asked Me To VERIFY MYSELF, because they couldn't find my file ; so how are the Credit Bureaus PROPERLY VERIFYING MEDICAL DEBT
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 XXXXXXXX. Account Number : XXXX XXXX. Account Number : XXXX XXXX XXXX XXXX. Account Number : XXXX XXXX XXXX XXXXXXXX XXXX. Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX. Account Number : XXXX XXXX XXXX XXXX. XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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: Debt collection

Been trying to speak to credit bureaus to dispute portfolio recovery but they say they verify its mine. They can not verify its mine because its not. Now I get phone calls and bill letters to pay them XXXX or I go to a Court Trail near my Residence. I have reported this Company twice to your branch and I still have gotten no were. Please have this Company verify me or remove this XXXX from my credit reports. Thank you
Product: Debt collection

The medical procedure was performed in XXXX however the billing was not submitted until XXXX, this violates Texas Civil Practice & Remedies Code Title 6 Chapter 146.002 & 003 ( see the attached offer for settlement ). Furthermore the provider acknowledges the debt was paid and no further amounts were owed ( see attached paid account ). 

The account has been placed in collection in retaliation for a bad medical procedure and threats against them for malpractice.
Product: Debt collection

I switched phone companies. They took my access away so I couldn't even log into the account. My current phone ( main account ) was switched to another company. They kept the other line open at a rate that was not in the plan and I didn't have access to the account. So I couldn't cancel if I wanted to.
Product: Debt collection

On XX/XX/XXXX I purchased 5 new XXXX from a XXXX retail store on my personal account. At the time of checkout, they asked me if I owned a business, which I do. They said I could save a decent amount of money on taxes and services if I were to convert my personal account to a business account, so I did. They informed me that I would receive a final bill for my personal account. When I received the bill I paid it on XX/XX/XXXX in full. I no longer had access to my personal account but thought everything was taken care of and complete. About a month later I received a collection letter stating that I owed {$93.00} to XXXX XXXX XXXX ( ERC ) for an unpaid XXXX bill. 

Over the next 6 months I have spoken to multiple XXXX reps as well as ERC reps and have gotten nowhere. Finally, on XX/XX/XXXX XXXX informed me that they found my payment made back on XX/XX/XXXX after I sent them very specific documents from my bank with transaction numbers and times. XXXX stated that they applied that lost payment to my personal account and the account was now reflecting a XXXX  balance. 

I had XXXX send me documents with their letterhead stating this for my records. I sent these records to ERC through email as well as verbally spoke to them asking them to remove this collection from my 3 credit reporting agencies. They informed me that they could not speak to XXXX and have no way of updating their information, that I still needed to pay ERC for the debt that they purchased from XXXX. 

This collection account haunts my credit report and has dropped my FICO score tremendously! It is not fair that I did so much leg work and research to prove that I was in the right and this company refuses to accept the fact that it was a mistake by the creditor, not the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please See Police Report Attached the person was CAUGHT AND CONVICTED
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX PLAYS ( with inaccurate info ) EQUIFAX & XXXX CRAs CONFIRMING FALSE CREDIT REPORTING INFORMATION PRETENDING BEING UNAWARE OF FRAUD. See attatched XXXX XXXX ( *card end XXXX not mine ) Letter of XX/XX/XXXX from CREDIT BUREAU DISPUTES DEPARTMENT UPON XXXX XXXX CONFIRMATION NO DISCREPANCY REPORTED IN YOUR TRADELINE. I AM MEDICALLY XXXX UNABLE TO COME TO BRANCH & XXXX DOES NOT PROVIDE ACCESS ON LINE FOR MY HAND XXXX. I AM UNABLE TO COMPLY ON ID THEFT KIT DUE TO A SEVERE XXXX KNOWN TO XXXX. see attatched XXXX XXXX  Letter XX/XX/XXXX XXXX Confirms Decision to DENY MY FRAUD CLAIMS *CARD END XXXX. XXXX PRETENDS THIS WAS NEVER REPORTED IN LETTER XX/XX/XXXX. See attatched XX/XX/XXXX CRIMINAL INVESTIGATION LETTER UNITED STATES POSTAL SERVICE CENTER case XXXX DELIVERIES NOT MADE BY XXXX PROVIDED TO REGIONS. see attatched Identity Theft Report FTC case XXXX. XXXX Bank PROVIDED NO XXXX ACCESS. ( XXXX Complaint XXXX ) see attatched XXXX Letter of XX/XX/XXXX some dates XXXX month XXXX month ** NONE OF THESE TRANSACTION DATES ARE EVEN PAST 60 DAYS FROM * DATE OF LETTER. FRAUDS REPORTED TIMELY. XXXX PROVIDED NO ACCESS AND DENIED CLAIM. see attatched CFPB RESPONSE XXXX XXXX I SUBMITTED XX/XX/XXXX. XXXX CLAIMS ALL CFPBs are duplicates as they will do with this complaint. I AM REQUESTING EQUIFAX & XXXX  VERIFY ALL ITEMS CHARGED WITH ORIGINAL SIGNATURE PURCHASES MADE FROM MY IP ADDRESS & ORIGINAL WRITTEN DOCUMENTATION ACCEPTANCE OF DELIVERY ** INTO MY HANDS Kindly Note ** CRIMINAL INVESTIGATION OF NON DELIVERY.
Product: Vehicle loan or lease

On XX/XX/XXXX, Citizens Bank reported my auto loan 30 days late. In XX/XX/XXXXwe applied for a 3 payment  deferment because of Covid-19 and was approved. My job closed on XX/XX/XXXX and The 3 months covered were XX/XX/XXXX, XX/XX/XXXX& XX/XX/XXXX with our next payment being XX/XX/XXXX. 
I contacted Citizens bank on XX/XX/XXXX by phone and a faxed request when I was informed that my credit had dropped by 90pts. The representative at the time said it would be corrected by the following Friday XX/XX/XXXX. I called in and no one could find my request and there were no notes in the system. i refaxed the same request and was told it could take a few days. I called today, XX/XX/XXXX and now the supervisor tells me it would take 30 days and the notes state that its only being reviewed. 

I would just like my account and credit score corrected.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint against Equifax regarding inaccurate information on my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I contacted Equifax to address discrepancies in my credit report. Despite my attempt to rectify the situation, I have not received any response from Equifax to date. 
Below are the details of the inaccuracies and the required corrections : XXXXXXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$11000.00} ) : The reported balance of {$11000.00} is incorrect and causing significant prejudice to my credit reputation. I recall a lower balance, and I request a revision of the Past Due information, as it is inappropriate to present such an amount for a closed, charged-off account. I urge your agency to mark this account as disputed promptly. 


XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$640.00} ) : The reported balance of {$640.00} is inflated and inaccurate. I dispute this amount and intend to contact the creditor directly to correct the information. I request your agency to mark this account as disputed until a resolution is reached. 


XXXX XXXX  Account ( Date Opened : XX/XX/XXXX, Balance : {$15000.00} ) : The reported balance of {$15000.00} is inflated and inaccurate. I dispute the entire account and insist on verifying the Date Opened and Date of First Delinquency. I have not been contacted by XXXX XXXX, and I request your agency to mark this account as disputed during the investigation. 


XXXX XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$11000.00} ) : The reported balance of {$11000.00} is higher than my recollection. As the account is reported as closed, Past Due information should not be provided. I plan to address this directly with the creditor and request your agency to mark this account as disputed during my attempts to resolve the matter.
Product: Mortgage

Chase/jp mortgage keeps telling my wife and i that we never payed our mortgage in XX/XX/XXXX. We have twice proven otherwise, we faxed in our complete Chase bank statement showing the electronic payment for the mortgage we included 2 months prior and about 6 months after the claimed missed payment. The statements clearly show the payment leaving our account and no other moneys being returned we have also confirmed with chase bank that we did not receive any moneys from Chase/JP. 

After both times we faxed in proof we payed they say they will look into it, never get back to us and begin calling saying we owe them a XX/XX/XXXX payment and they have no record of us trying to resolve this. 

There are other problems that have occurred because of this so called missed payment. 
in XX/XX/XXXX they closed our online account and would not allow us to make payments until the XX/XX/XXXX payment was settled while charging us late fees for XX/XX/XXXX and XX/XX/XXXX. 

We only found out about this " missed '' XX/XX/XXXX payment in XX/XX/XXXX because the loan matured and caused a conflict in Chase/jp 's computer system. They had supposedly been calling us and sending certified letters which my wife nor i had never received a call or letter. 

Every time we call it is near impossible to get answers to questions because depending on the question you get transferred back and forth between departments and have to tell the whole story. 
The final issue is they signed us up for mortgage assistance which neither my wife or i signed up for. When we asked for who and when the assistance was signed up they had no record. We did not ever need assistance.
Product: Checking or savings account

I bank with Chase and when having past issues with a private companies regarding a fraudulent transaction, unauthorized charge or services not rendered Chase is quick to deny my claim. When calling Chase and speaking with a representative I request documents regarding their fact finding and resolution and although promised I do not receive those documents. I'm specifically noting past instances where I was wronged as well as recently where my card was stolen. I just have been looking to be indemnified as per our banking contract and really wish Chase could be in my corner when something goes awry.
Product: Credit card

Chase Bank runs promotions on the XXXXXX/XX/XXXX. One such promotion promised a {$200.00} rebate if a {$400.00} or more " purchase '' was made from XXXX through XX/XX/XXXX. I made such a purchase and have a confirming email from XXXX dated XX/XX/XXXX at XXXX XX/XX/XXXX. CST. 

Apparently due to the XXXX XXXX 's holiday, XXXX did not " post '' my {$970.00} " purchase '' until XX/XX/XXXX. 

I have called Chase Customer Service three different times. The first call was on XX/XX/XXXX when I noted no refund/rebate was in my account. Chase refused to honor its promotion saying the promotion depended on the " posting date. '' However, that is not true. ALL promotions have always provided a deadline for " purchases. '' This makes sense because a customer can control the purchase date, but can not control the date a vendor " posts '' a transaction. My complaint was " escalated '' to the " Marketing department ''. I asked that I be able to send in a copy of XX/XX/XXXX 's XX/XX/XXXX purchase confirmation, but I was told I could not. 

On XX/XX/XXXX, I again called Chase Customer Service. I explained the situation and again requested that I be able to send them proof of the XX/XX/XXXX purchase. Again, I was denied that opportunity because there was no way per the agent to get the information to the marketing department. 

In XX/XX/XXXX I again called Chase Customer Service and we went through the same discussion, again, with a promise of " escalation '' but no way to submit my documents. 

Additionally, I received a letter dated XX/XX/XXXX from Chase denying my " escalated '' complaint. 

Chase simply refuses to follow its own advertised promotion. I relied on that promotion for my purchase from XXXX and expect my {$200.00} refund/rebate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with BANK OF AMERICA and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, BANK OF AMERICA and XXXX XXXX XXXX  with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting XXXX XXXX  XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish account without my written instructions.
Product: Credit reporting or other personal consumer reports

This is a formal complaint regarding the XXXX XXXX company XXXX XXXX. XXXX XXXX are reporting inaccurate and incomplete credit information. I am distressed that they have included mis-information in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. I have never heard of XXXX XXXX, never done any business with them nor never signed any contract with them. 

They are reporting inaccurate information on my credit report. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. I have know knowledge of these collections accounts. 

The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in their reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Product: Credit reporting, credit repair services, or other personal consumer reports

On 7 separate dates ( on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), I have disputed the erroneous Carmax tradeline on my XXXX and XXXX report to no avail. Even though XXXX successfully removed the erroneous tradeline after 1 request, XXXX  and XXXX have failed to do so. I have sent several requests to XXXX and XXXX  requesting a description of the method that they used to verify that the debt belongs to me. After more than 90 days, they still have failed to do so even though they claim to have verified that debt on more than 4 different occasions. My rights are being violated.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, under 15 U.S.C 1681s-602 it states I have the right to privacy and this creditor ( XXXX XXXX ) has violated my rights. 15 U.S.C s-604 ( a ) s-2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
Privacy Act of 1974 states that no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. 
Even after my information as a consumer was provided to a 3rd party without my authorization or consent, the reporting agencies have inaccurately reported information to my consumer report. This is a direct violation of 15 U.S.C 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies. I have attached additional documents that show discrepancies ( highlighted items ) in my consumer reports which are the following : Inconsistent Account numbers Inconsistent Credit Limits Inconsistent Derogatory Remarks of alleged late payments
Product: Credit card or prepaid card

Trans actions and expiration IRS deems charge off as income Income is not to be reported Im a consumer a natural living man all debts are an obligation in the United States I do not consent to the sharing of my non public information it is no ones business Portfolio Recovery Associates is using my credit report to extort me this is income not debt there using my credit report to extort me this is income not debt I did not get the full disclosure to opt out. I do not consent to the share in of my non public information. This is a transaction and experience that took place between Portfolio Recovery Associates and I and its no ones business. Why is it on my report there using the credit report to extort me, defame my character and tarnish my credit worthiness. Youre furnishing deceptive forms. You are committing a crime. Its discrimination.
Product: Checking or savings account

Was charged {$57.00} in service charges for closing the account and later sent it to collections
Product: Student loan

On XX/XX/year> my payment for auto pay was taken out in the amount of XXXX the provider then applied my payment correctly on XXXX but not loan XXXX & XXXX. This has resulted in being {$38.00} and {$64.00} being considered missed payment. The other months since then the payments have been applied correctly. On XX/XX/year> they sent me a letter and I called that same evening and talked to a rep who said it would be investigated and then resolved. on XX/XX/year> I got another letter stating I am late I called on XX/XX/year> and the rep stated it can take 37 business day to complete the investigation. This is not my fault it is a system error and the reps keep stating I need to make a payment or if I can afford to make it. I do not trust that if I make the payment I would get the {$38.00} & {$64.00} back to my account. I just want it applied correctly it is not my fault the system failed and it is clear as day as to what happened.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX balance : {$16000.00} Date opened : XX/XX/XXXX I've seen that there is late reporting on this account from XX/XX/XXXX. This shouldn't be reporting late as I have never been late on all my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey I was taken advantage of due to malpractice while several laws is being broken under the FCRA by your company. This has caused me financial injury this is cause me defamation of character, I can't get a job. I can't apply for credit.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX 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 XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

On XXXXy the XXXX I didn't get my direct deposit of my paycheck. XXXX XXXX is having a known issue, I tried to contact the bank to find out when it would be fixed but got no clear response. When I tried calling about it I kept getting hung up on, when I tried calling about something different I was actually able to get someone. They're currently filtering calls and hanging up on people asking about updates. I need my direct deposit, I need my paycheck to live.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus are reporting COLLECTIONS from the following unknown companies ; XXXX, and XXXX. All 3 bureaus are reporting these accounts without verification from these outsourced businesses plus they show inconsistent information to each other enforcing my belief that these accounts are not mine nor have I ever created an account with any of them, so these accounts are fraudulent. Many attempts were made for validation. No response was sent to me.
Product: Debt collection

NCA attempting to collect on behalf of XXXX. Ive not received proper correspondence from either company in compliance with FDCPA nor FCRA