23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/scrub> XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am worried! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request ( BUREAU ) the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXXXXXX XXXX XXXX  CA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$3000.00}
Product: Student loan

I went to XXXX/XXXX college and graduated. I did this despite barely attending classes and never doing any homework. I was pressured into attending the school by telling me that I would be guaranteed to make XXXX dollars upon graduation and that the program had 100 percent job placement. I was excited, but after one week of classes I realized it was impossible to fail. We were allowed to look up the answers online.
Product: Debt collection

PHYSICIANS & DENTISTS Original Creditor XXXX XXXX XXXX XXXX Opened Date XX/XX/2019 Balance {$300.00} Creditor Contact Details PHYSICIANS & DENTIST XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX I do not believe that I owe this amount. I request that the account is validated with a list of what the charges are for including dates and services.
Product: Credit reporting, credit repair services, or other personal consumer reports

World Finance XXXX  continues to update an account as negative on my personal credit report after they have received payment and considered the account paid and closed. The have now, listed the account twice on my credit report cause unnecessary damage to my personal credit profile.
Product: Credit card or prepaid card

Well i was hack into on my computer where serveral prepaid cards i have were used to a sight called XXXX and my cash app which i am having problem with them refunded all the charges i did not authorised, i am a XXXX XXXX i have a XXXX XXXX XXXX XXXXXXXX i am XXXX years old on XXXX i was XXXX  in 2016 very badly and now i suffer from many XXXX things, the company is cash app that my pre paid card ending in XXXX i dont know the name of the bank they only refunded the XXXX statement XXXX charges XXXX, XXXX, XXXX and XXXX thats all they did this goes back to XXXX in XXXX where it started XX/XX/XXXX XXXX and XXXX XXXX XXXX for a total of XXXX XXXX charges XX/XX/XXXX XXXX charges XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a total of XXXX XXXX Charges are a total of XXXX for dates XX/XX/XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX total is XXXX dates XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX the grand total of refunds owed to me are {$420.00} thats halve of my rent i am being evicted for not paying my XXXX rent please help me get my money back
Product: Debt collection

-Received a collection notice dated XX/XX/XXXX regarding collecting a debt from XXXX XXXX XXXX for XXXX from XXXX XXXX XXXX - Wrote back on XX/XX/XXXX indicating that this was not my debt, I have no knowledge of this and if they feel it is proper, send nature of debt, original paperwork or other documentation. 
- Never received any further correspondence. 
-On a routine check of my credit report at the beginning of XX/XX/XXXX, noticed XXXX Collection effort showed up on the credit report. 
-Called immediately, talked to XXXX . He took my name, phone number and email and told me XXXX XXXX would be contacting me. 
-After one week and nothing from XXXX , I called back and talked to XXXX again. I asked him to connect me to XXXX, he said she was busy. He gave me XXXX 's email address as well as a general email address and suggested that I email her and register the dispute on the general email address. I sent 2 emails disputing the debt and suggested this was most like identify theft and asked that she acknowledge the dispute. 5 weeks later, I have not gotten a return email. 
- I recently received another collection attempt from XXXX offering to settle the matter for a 25 % discount and threatening further collection action. I did receive with this collection notice a description of debt as well as some personal information on myself that is readily available on the internet such as address, phone number. It also had partial information on a bank account that I do not own and an email address that is not mine. It does not appear that this lender, XXXX XXXX XXXX asked for any form of identification or original signature when this debt was initiated. 
-I send another letter disputing the debt and asked if they could provide any information that this debt was mine.
Product: Checking or savings account

I am an HSBC customer with a personal checking account, savings account, and credit card connected to the account. At the end of XXXX, my account was hacked, monies withdrawn and paid to bogus vendors ( the vendor name was one I have in my files but there was no information on where the funds were transferred to and no record of the transaction. The real vendors did not receive any of these funds. When the balance of my account was drained, the culprit then started to use the credit line on my credit card, transferring monies into the account to be fraudulently transferred out. It took a lot of wrangling and almost two weeks from the time I discovered it to get HSBC to refund the monies to make my account whole and generate a letter to explain the bounced check from my account. The transactions were suspicious to begin with, but they did not notice it at all. In filing all the paperwork to report the fraud, one step I was told to take was to report it to the local police. I went to the police precinct and was told they need a report from the bank in order to investigate. I have not been able to get such a report from them, which seems to me would be routine. I 've made multiple phone calls to the XXXX headquarters, fraud dept., and was told to see the manager at my branch, who tells me she has nothing to do with that part of the process and ca n't help. While I have been repaid, it is an outrage that this bank ca n't - or wo n't - or does n't have to file such a report. I am sure I am not their only customer who has been hacked ; unfortunately, it 's now a common practice. In order to trace these kinds of activities, investigators need such information, but HSBC refuses to give it. I would appreciate any help you can offer and urge you to ensure that HSBC follows the regulations. If there are no regulations that would mandate that they file such a report, there should be, and I would like to know that as well as I will be happy to start writing letters etc. to change the rule.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX Inquiry Date XXXX XXXX Inquiry Date XXXXXXXX XXXX Inquiry Date XXXX XXXX XXXX  Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I paid a balance of {$26.00} on my discover credit card of a bill in XX/XX/XXXX, and they didn't clear the balance after I have paid the bill.in XXXX when my credit card expires and I didn't renew the card, the account was closed by them leaving the balance on it.I didn't know about that since I never used the card since then and left the address.I accidentally found I still had {$26.00} charge off and had negative record because of that in XX/XX/XXXX, I contacted discover, paid another {$26.00}, and they written it off.since it was a record in XXXX, which I already paid off, the record should be taken off after 7 years, I filed a claim with XXXX, after the investigation, nothing has changed except the closed account becomes charge off again.They ignored the fact that I have paid off on time in XXXX and again in XXXX.I ask for further investigation.XXXX  Claim ID # XXXX
Product: Payday loan, title loan, or personal loan

I got a loan through affirm.com for XXXX of the merchants they offer. I never received my product, I opened a XXXX investigation with XXXX and the merchant had them close the investigation. I have been contacting the merchant for over a month, submitted the PDF copy of the Police Report they requested and am being ignored. My messages to the representative I was in contact with show read recipient, when I call the phone number I get forwarded. The item was supposed to be delivered on a Monday, XXXX signature required, and I received a delivery email on a Saturday when nobody was home. Merchant claims packages are insured, but Ive yet to see a claim number or any requests from the insurance company. Merchant has officially stopped responding, but reads my messages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lone and paid it off in XXXX but in XXXX they put i was delinquent on payments on my credit report thats i was more than 30 days late on payments which is not true. Moneylion had an system error when i put my payment through which i was not notified of till a notification came to my phone about my account
Product: Credit card or prepaid card

On XX/XX/19 my chase freedom account was closed because of XXXX discrimination. Chase broke the Equal Credit Opportunity Act, chase assumed because Im XXXX that Im poor so they closed down my account without a logical reason. Chase assumed because Im XXXX that I am poor. Chase assumed because Im XXXX that I couldnt pay my bill. Chase stated that {$7000.00} is a very large amount of money and it isnt. Chase stated they were closing my account because Im XXXX and I used their credit card. Chase is so XXXX they didnt even give me the opportunity to pay my bill. I have 0 missed payments and Ive never been late on any of my credit cards but chase has customers with credit cards that are late and missed payments but I am penalized for using my card while being XXXX. Chase will lie and say its any other reason besides me being XXXX but Chase is XXXX and Im not the only XXXX XXXX thats was discriminated against by Chase.
Product: Credit reporting or other personal consumer reports

My information has been stolen and it appears that someone has obtain credit using my personal information fraudulently. I am submitting this complaint to informed the creditor about the identity theft and i am expecting a quick response to remove this account from my credit profile immediately, Thank you
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiriy on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX BANK add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, ALLY FINANCIAL add a hard inquiry on my credit report per XXXX.
Product: Credit reporting or other personal consumer reports

This company has violated my rights as a federally protected consumer on permisssable purpose and furnishing information to non affiliated third parties without my consent. information is in pdf letter stating my case and complaint to them. Also all complaints and disputes to the consumer reporting agencies have not been resolved on this account. The consumer reporting agencies have also not been in compliance and have not gotten my consent to allow furnishing of this account. They have aloud fingerhut to furnish income on my reports of a charge off, have not investigative the issue properly and have not followed laws of a consumer reporting agency because they have not gotten my consent and have not investigated properly at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated a review with the XXXX and Transunion beginning in XX/XX/2017 because I believe my Bankruptcy had been recorded with the court but has been reported by the credit bureaus inaccurately and not in compliance with the Consumer Protection laws.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is a debt collection agency. I did not do business with this company. XXXX XXXX XXXX did not validate debt before being placed on my credit report I asked Equifax to provide me a copy of the debt validation in previous complaint but never received one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute because over a month after I had paid off my account, and the creditor of the account had sent me a letter stating it was PAID IN FULL and is closed. Experian had not updated the item. Whether this was because it had not been reported yet or otherwise is unclear. They closed the dispute as updated information, falsely marked the most recent balance as updated on XX/XX/23, over a month after it was paid off and kept the pre pay off balance. 

Worse they wont let me file a new dispute denying it saying I can not file it again. 

It also states I need to upload documents but when I do the result is still the same and it wont let me file a new dispute. 

They did not tell me how they verified this information either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed some inaccurate information on my ChexSytems report that needs to be deleted for inaccuracy and unverifiability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to the credit bureaus and to WILSHIRE CONSUMER CRED for the account number XXXX and notify them of their error posting for this account. It does not compliment what the Credit bureaus may claim as a " validated as accurate ''., and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, and physical firsthand documentation of the payment history but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, Greetings, I have initiated disputes with Experian and XXXX XXXX to remove incorrectly reported late payments for XXXX Account # XXXX. They have failed to fully validated that the account was late during the months being reported on my credit reports. Experian and XXXX XXXX will need to provide validated proof to be authorized to report the correct information per the Fair Credit Reporting Act. I have provided all requested documents to Experian and XXXX XXXX to get this issue resolved in which they requested. I have also reached out to the creditor but they have also fail to fully validate the account was late during the months being reported on my credit reports. The account is currently in good status with a defferd till XX/XX/XXXX. Below are the reported late months that should be updated on my Experian and XXXX XXXX credit report.. Should you need any additional information please let me know. 

Reported Late Payments : 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Experian Attn : IDENTITY THEFT DEPARTMENT XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Attn : IDENTITY THEFT DEPARTMENT XXXX XXXX XXXX XXXXXXXX XXXX, PA. XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, PA XXXX SSN : XXXX DOB : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Put the wrong last four of my social just wanted to update so there will not be any delays in removal of the inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house, a car and finish my XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has an inquiry / Account review inquiry by XXXX XXXX XXXX resulting in an account listed on my consumer report. I have never done business with this company. Company claims that I owe them money. I've sent my dispute requesting information proof of my debt owed to XXXX XXXX XXXX. The company sent me an unsigned unnotarized statement of charges owed to another company. XXXX XXXX XXXX included a partial copy of a lease contract to which they are not a party. Again, I have no knowledge of this company and I believe that this information belongs to somebody else and is mistakenly appearing on my consumer report. I have included a identity theft report herein.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to XXXX Credit Bureau to correct errors that were on my credit report. The status letter that I received in the mail was that the information on my credit report was updated. Which this is incorrect, because I do n't owe this company below : XXXX XXXX So I called the credit card company and spoke to a rep by the name of XXXX and she informed me that my account was indeed closed and that I do n't use any money to their company. I asked her if they could update the credit bureaus stating my account has been closed and put in a positive account standing. She informed me that they could n't do that. This is really hindering me from purchase a home and it needs to get credit. My credit score is being effected because of this.
Product: Debt collection

I got an email today. From persolve legal group about a debt from XXXX XXXX XXXXXXXX. I do not owe XXXX XXXX XXXXXXXX any money. I have a FTC report and police report my identity been stolen. I request company to send me application so I can file this to police report. I am requesting this case to be dropped and not be put on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several deregatory accounts that are reporting to my credit report inaccurately. I have sent Experian, XXXX, and XXXX several dispute letters in an attempt to make them either update the account to reflect correctly or remove the account completely. They have failed to update the accounts after several investigations. I have closed accounts that still show a balance, I have accounts that are reporting different account numbers across all 3 credit bureaus. These are all in violation of the FCRA. The listed accounts below need to be updated promptly or removed from my credit file immediately. 

I HAVE ATTACHED SCREEN SHOTS OF THE BELOW LISTED ACCOUNTS REPORTING INACCURATE AND INCOMPLETE INFORMATION WHICH ARE UNDERLINED. THESE ACCOUNTS NEED TO BE REMOVED FROM MY CREDIT FILE.
Product: Debt collection

I have filed numerous disputes with all three major credit bureaus -- XXXX, XXXX  and XXXX  -- regarding the debt LVNV Funding is claiming I owe to their client, XXXX XXXX Bank. This debt does not belong to me, it is not mine and I have no knowledge of the debt that LVNV Funding has placed on my credit files with each of the credit bureaus.

In one instance, LVNV Funding did delete the tradeline from my XXXX  credit file ; in another instance, LVNV Funding marked the tradeline as closed on my XXXX  credit file but still lists an open and unpaid balance ; finally, LVNV Funding still reports the tradeline as open and in collection status on my XXXX  report.

I am also unsure if LVNV Funding is a licensed debt collector in Minnesota, so I am concerned that they are collecting a debt for which they may not be licensed to collect in Minnesota.

LVNV Funding 's debt reporting and debt dispute processes are unfair, deceptive and dishonest. Between the three different reportings LVNV Funding is supplying to the credit bureaus, their inconsistent responses to my dispute that this debt does not belong to me, and the potential that LVNV Funding is not licensed in Minnesota, I am requesting that LVNV Funding delete this debt immediately from all three credit bureaus. 

LVNV Funding has damaged my credit and credit scores, along with credit I have been denied, with their unfair, deceptive and dishonest debt collection and debt reporting practices. Based on this, I am demanding that LVNV Funding delete the account from all three of my credit files to which they are reporting.
Product: Debt collection

sent validation notices to OPTIMUM OUTCOMES INC,  they never responded. Also they are listed on my credit report as the original creditor for a medical bills ; plus they have the wrong address listed on the accounts for contact information an number.So when I found the right information I sent notices and telephoned the agency. Spoke with a super visor who said they were send the copies of the original contact, never happened.