23daVinci/CFPB_Complaints huggingface dataset:
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$910.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$990.00} XX/XX/XXXX XXXX XXXXXXXX {$9800.00} XX/XX/XXXX XXXX  XXXX {$14000.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Vehicle loan or lease

Chase Auto has not paid me refund from unearned interest from loan that I paid off early. Made up false charges after the loan pay off and has will-fully withheld refunds from cancelled service contracts. 

Chase was supposed to change payment due date to the beginning on the month, and did not in order to bill me for more late fees. 

They have also made multiple falsified negative marks on my credit report, and incorrectly assessed late charges. Almost all the charges and debits on this account is incorrect or have errors. 

They claim to assessed {$160.00} in late charges, but actually charged {$330.00} in late charges, a couple of which were assessed a late charge of 20 %. 

Tried to charge me over {$1400.00} after the loan payoff. 

They really should be audited. If my account was this convoluted, I can imagine the thousands of other consumers being scammed and lied to
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX ) XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$480.00} Date Opened : XX/XX/XXXX XXXX  XXXX XXXX Balance Owed : {$24000.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance Owed : {$980.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$2300.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance Owed : {$1800.00} Date Opened : XX/XX/XXXX
Product: Debt collection

XXXX/Resurgent have failed to provide me with all the information I have requested from them to validate the debt, this has been going on for 2 years or more. I have disputed the amount because I was not under contract any with XXXX, my monthly bills do not add up to {$1600.00}. I have requested a detailed summary of the amount they claim is owed, not just a paper stating that I owe the amount. I want a complete statement of the all charges they are claiming I owe and they have failed to do so numerous times. 

They have this reported to the credit reporting companies and I have disputed with them as well and everyone fails to investigate correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and Good Evening, I was advised to reach out to you all about some things on my credit that is not mine. I wentto cosign for my mom on a car and my mom and I was denied because of me. There are some things on my credit that is not mine and that needs to be taken off XXXX XXXX XXXX XXXX XXXX, XXXX DEPED.
Product: Debt collection

I have told Real Time Resolution that I do not owe the debt due to ID theft and and I sent documentation to XXXX am XXXX and to XXXX. They have refuse to be non biase in this situation
Product: Debt collection

In XX/XX/XXXX, a document was sent to XXXX XXXX XXXX XXXX, XXXX, Florida ( as shown in the attached document ), concerning a debt from CitiBank through XXXX and XXXX, XXXX. Yet, I wasn't living at that address at the time. Consequently, I missed the court date by phone, which I was unaware of, and a judgment was made against me. My current address could have been easily obtained from public sources, and I could have been adequately served. On XX/XX/XXXX, a Writ of Garnishment was issued, and my wages were garnished while I was working at Citibank. I contacted attorney XXXX and informed them that my rights were violated because I wasn't given notice to defend against the garnishment of wages and other property at the time of the writ, as required by law. As a result, the garnishment was lifted, and my funds were returned. The process should have stopped at that point because XXXX and XXXX did not follow proper due course. I have claimed exemptions over their attempts for the last XXXX years, as I have a XXXXXXXX XXXX son who is currently in treatment and is not employed, and I provide all his support along with after-market health insurance. Additionally, I have recently received interrogatories in aid of execution, and I am unable to comply due to undue burdens, as I am XXXX XXXX XXXX XXXX XXXX. Since XXXX and XXXX, XXXX. did not follow the proper legal procedure in XXXX, I consider anything after that harassment. Additionally, since they represent Citibank, I will also contact Citibank. Please see the attached document outlining the ongoing issue since XXXX.
Product: Checking or savings account

Hello, I have opens the US Bank checking account with {$300.00} promotion. I put my employees XXXX XXXX direct deposit for total of {$4100.00} as of today XXXX into the account. However, when I contacted the US Bank, they stated I have not met the direct deposit requirement of {$2000.00}. I believe I fulfilled all requirements for the bonus but still have not received any promotion bonus after contacting the US Bank. 

Thank you
Product: Mortgage

DITECH IS NOW IN BANRUPTCY, WHEN SERVICING OUR LOAN, THEY DENIED SHORT SALE ETC..THEY CAUSED $ XXXX IN LEGAL AND ATTORNEYS FEES IN EXCESS OF $ 10K.
Product: Debt collection

Original creditor is US Bank. 
Current collection Agency is XXXX XXXX XXXX. 
Acct number is XXXX This has been going on for about 10 years. I owed US Bank a little over $ 1k. I settled that debt with the original Creditor 10 years ago for a fraction of the cost. However, every year US Bank uses a different creditor to collect a balance. I have submitted my payoff letter to each of those creditors to clear the debt off my report. I thought it was over, but I just received another letter today from XXXX XXXX XXXX in NY about the same account. This is definitely becoming frustrating. Please Help!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Experian Dispute Department po box XXXX XXXXXXXX XXXX XXXXXXXX Certified Mail Return Receipt # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - XXXX Publication XXXX ( XXXX ), Canceled Debts NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am writing to dispute a charge off on my credit report, which is inaccurately reflecting a debt that has been reported as income. This charge off, reported by XXXX XXXX XXXX, is incorrect and violates consumer protection laws per 15 USC 1681. Where you are bound to report accurate information.

The Internal Revenue Service ( IRS ) ; Publication 4681, considers a charge off as a " certificate of indebtedness, '' or reportable income. Income can not be reported on a consumer credit file. According to IRS guidelines, canceled or forgiven debts are considered as taxable income, and a Form 1099-C has been issued and accepted by the IRS which cancels the debt with the creditor. See the attached document.

In my case, a Form 1099-C was filed and accepted for the debt in question, indicating that the debt has been forgiven and is considered income. Since the debt has been legally forgiven and recognized as income, the charge off on my credit report is inaccurate and should be removed immediately. 

I request that Experian delete the inaccurate charge off from my credit report as required by the Fair Credit Reporting Act ( FCRA ). Please provide me with a copy of my updated credit report once records have been deleted within 10 days of receipt of this letter. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # Enclosed : 1099-c Cancellation of Debt Copy of Drivers License & Copy of Bank Statement to show proof of address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a dispute about items I found to be incorrect on my credit report. I have yet to receive a resolution about the issue even with 30 days that have already passed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : OPENED XXXX, XXXX  XXXX XXXX XXXX {$12000.00} XXXX XXXX opened XXXX {$250.00}
Product: Credit card or prepaid card

In XX/XX/XXXX over XXXX XXXX dollars of fraudulent charges were made on my AMEX card. I disputed them. AMEX did not do their due duty to me by making me aware of unusual charges as is their promise on their website. Now my account has been turned over to collections. I have a 35 year history with AMEX. Always paid on time and in full for 35 years. Common sense would tell them that I did not make these charges. In XXXX of XXXX I was notified by XXXX XXXX that my information was stolen from their database through a hack on or about XX/XX/XXXX. AMEX was not interested in seeing this notice and did not want a copy. I have written to the powers that be in HQ about the situation and my only reply by AMEX was via phone saying that they aren't changing their decision. I have repeatedly asked for a written explanation for their decision to hold me accountable and they have refused to provide that. Know that AMEX was not the only entity involved in the theft of my identity. XXXX CC was maxed out, my savings and checking accounts drained, my home equity loan maxed out and a XXXX credit card was opened in my name without my permission with charges made on it. One of my VISA cards was sold to someone locally who went on a spending spree at local mall at a time when I was out of town. ALL companies have made me whole except for AMEX. Reports made to police, FBI, ID theft.gov., all credit Bureaus and FTC . Now I suspect a collections agency will be coming after me even though I have sent the collection agency copies of everything.. This nightmare never ends.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX  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 n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. 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 XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXXXXXX XXXX now.with no help
Product: Credit card

I was overcharged by a merchant on my credit card. After disputing the charge, Chase credit cards ( CCC ) told me that they consider the charge valid. The charge is not valid because the merchant fabricated the receipt. The receipt did not bear my signature. I asked CCC for arbitration but they refused on account that the dispute does not qualify for arbitration. I asked for the qualifying criteria for arbitration but was not given any. I asked for the dispute supervisor XXXX whom I last spoke with to put this in writing but she told me she had no way of doing that.
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation taking more than 30 days on a dispute items i sent to navient and XXXX cra violations of my rights inaccurate information must be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM SOON TO BE IN THE MARKET TO PURCHASE A HOME. I STARTED BY CHECKING MY CREDIT REPORT TO KNOW MY SCORE NUMBER. AFTER DOING SO I NOTICED A COUPLE OF ITEMS THAT ARE NOT MINE ON MY CREDIT REPORT THSE ITEMS NEED TO BE DELETED FROM MY CREDIT REPORT. XXXX XXXX   XXXX {$380.00} XXXX XXXX  XXXX {$1800.00} DPT ED XXXX XXXX {$6000.00} DPT XXXXEDXXXX XXXX {$2200.00}
Product: Debt collection

I paid a settlement to XXXX collection agencies, which has been paid. Was told that after payment is made, that both agencies would contact all XXXX credit bureaus and that the collections would be removed from my credit report. As of XX/XX/2017, these credit agencies are still being shown on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a new vehicle from Toyota financial. At the end of the lease I purchased it and financed it through them. My Experian credit report reflects that the lease was discharged in bankruptcy. When I disputed this with XXXX, Toyota responded to them that it was discharged in bankruptcy. When I contacted Toyota finance they refused to correct this information. I explained to the agent that she could clearly see where I bought the vehicle from them but still was unable to correct this. She contacted her disputes dept while I was on the phone with her and they told her it was discharged in bankruptcy. I had previously filed bankruptcy but the vehicle was not included in the filing. This mistake is adversely affecting my credit rating and Id like this corrected.
Product: Debt collection

i received a letter from nelnet on XX/XX/XXXX, 2024. im not paying " you '' department of education because another " government agency '' ( according to the cfpb ) the federal reserve has defrauded me. they are refusing to return my collateral as they are currently bankrupt and in open default, so im not making any payments to anyone from the interest. XXXX. stop contacting me. bitcoin now or if you dont have my bitcoin then XXXX. we have nothing to talk about. also arrest XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XXXX, XXXX  XXXX add a hard inquiry on my credit report per XXXX. On XXXX. XXXX, XXXX, BARCLAYS BANK DELAWARE add a hard inquiry on my credit report per XXXX. On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

Hi, I notice some unauthorized inquires on my report. My auto loan of {$20000.00} is paid off already in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received an email from XXXX XXXX indicating new activity on my credit report. I reviewed my XXXX, XXXX and XXXX XXXX and identified a fraudulent {$720.00} loan was established on XX/XX/2023 with Self Financial Inc./Lead Bank , which caused a slight drop in my credit rating. I have filed investigation requests with all three credit bureaus. I've also contacted Self Financial Inc. to request an investigation on their end ; the representative suggested that I also submit a report/complaint with the FTC at XXXX. due to concerns of identity theft and fraud. 

Note : I am told that loans are established with Self Financial Inc. by individuals needing to establish credit. I have over 40 years of ( excellent ) credit history thus have no need for the services of an entity such as Self Financial Inc . 

Please also note that a few years ago, the system of the entity that I worked for was breached and as a retiree, I was notified that my information could potentially have been accessed/compromised along with other current and former employees.
Product: Debt collection

ARS RESOLUTION COMPANY XX/XX/20 FOR XXXX DOLLARS XXXX DOLLARS AND ANOTHER XXXX DOLLARS I DISPUTED THE CASE THROUGH XXXX I DO NOT OWE THIS MONEY TO ANYONE I DO NOT KNOW ANYTHING ABOUT THIS THANK YOU
Product: Credit reporting or other personal consumer reports

I recently received my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments and I noticed that XXXX of my payments are listed as being XXXX days late in consecutive months, which is incorrect. A payment can not be marked as 30 days late in XXXX consecutive months if the first late payment occurred only 30 days past the due date. I have attached a copy of my report to this complaint on the following date XX/XX/year>. I'm not requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

There is a List of accounts below that violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I was checking my credit because im in the process of looking for home to purchase. I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. I know according to the Fair Credit Reporting Act when 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 according to 15 USC 1681 ( e ) ( b ). 

Also according to 15 USC 1681 5, theyre supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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. 

and according to 15 USC 1681s-2, they arent supposed to 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. These items are negatively affecting my ability to purchase a home I need them removed ASAP please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit company is still reporting incorrect information on my report the account from XXXX XXXX was deleted but is still reporting they have copy of my police and still have not removed the accounts off my report
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Collection account still reports as a owed debt, collection was paid. I have disputed to all three reporting bureaus and its being verified by the bureaus as correct. Please see my attached evidence that the debt was paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX did not appropriately investigate a falsely reported collections account from XXXX XXXX I do not owe any balance to the original creditor. I asked XXXX to have the original creditor provide the original contract and proof of balance owed. I have attempted to dispute this twice through the XXXX dispute process online. In addition, I have called XXXX to inquire about the investigation. I was told by the XXXX representative XXXX, that the collections company only verified that that I was the account holder by my name, date of birth, etc. They weren't asked to provide any other proof of the balance owed. I was told by the XXXX representative that they do not ask for any documents from the collections agency to prove the debt reported on the credit report. This collection attempt has already been removed from another Credit Bureau successfully.