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

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting a 30 day late payment on XX/XX/year> which is a closed account on my credit profile.The account was never late this is not correct. I try to contact XXXX XXXX about this issue but got no responds.
Product: Mortgage

On XXXX XXXX, 2015 I paid off my mortgage to USAA Fed Savings Bank, XXXX XXXX, TX. XXXX is the loan manager. After many calls and XXXX certified letter, neither company has produced a recordable loan cancellation notice to the Court House as of today ( a year later ). I constantly get excuses and different people at both institutions who say they will help, but they will not return my calls, emails or letters. I need help in getting this notice as it is holding up my mother 's probate.
Product: Mortgage

My mortgage was sold to Freedom Mortgage. After making my first payment to the new company. XXXX XXXX XXXX XXXX called to refinance. He told me he could save me {$48.00} a month. Of course the VA funding fee etc would be rolled into my mortgage so I didn't have to pay out of pocket. I told him {$48.00} was not going to help me {$48.00} is not what I would call a savings to restart my mortgage. He asked to write it up anyway. I said sure. He called me 2 days later and continued his push to save me {$48.00} a month after I told him no. He continued to try and push me after 2 other no 's and I final lost my mind and cursed him out. He refused to send me to his boss after requesting to speak to him and said he didn't have that ability and would not give me his bosses information. I didn't ask for my mortgage to be sold. I don't like the way they are trying to push me into more finance charges that they will collect. And {$48.00} a month wont offset the funding fee of the mortgage for 3 years or so. Poor business practice in my opinion.
Product: Debt collection

On XX/XX/2018 I was marked for {$620.00} on an account I had no involvement with I never opened an account and have been wrongfully marked for something I never had open
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I have not been able to get my credit report from XXXX or XXXX with Equifax. I have called numerous times, and have sent letters trying to change my name and address with Equifax, but it has yet to be fixed. I have attached the last letter and relevant documentation so that this situation can be rectified, and I am able to finally get my credit report.
Product: Credit card or prepaid card

Account should have been closed 4 years ago. The company has refused to resolve the matter. The account was said to be closed back then at the same time I closed XXXX upon finding out about the identity fraud on my account. I recently received an email that I am going to receive a replacement card for # XXXX that was said to be closed back then on or before XX/XX/XXXX. 
This is nonsense to me as I have at exhaustion disputed not only the technical issues ( not having access to the website ) and the fact that the account is connected to a phone number I lost access to years ago XXXX. I have documentation from then with XXXX and XXXX XXXX XXXX about this matter. 
I also put a freeze on my accounts with the FTC after my father passed away in XX/XX/2019 and they were demanding large payments that I paid that never touched the balance. Regardless of trying to communicate with them to have an arrangement ( payment plan ) they have ignored it. I've even spoke with members of the Capital One resolution, fraud and accounts team attempting to resolve this issue. I had updated my phone number everytime I spoke with them and somehow the account still reflects the XXXX number. 
I have also seen that more than one device is connected on the account and capital one ignores my need for resolution. 
Upon receiving an email again about another card being sent out for a closed out, I immediately called again and had the girl transfer me to fraud and I reported it to the man. She had told me the account was open but she put it as closed once again and that I was going to receive a letter in the mail confirming as such. The guy from the fraud department did not act at all sensitive to my concerns.
Product: Debt collection

I was victim of identity theft as a result of being XXXX and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me NO billing info. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are willing to take a settlement. I don't know what else to do so i am finally coming to you guys for some guidance please.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for this account. Please CORRECT the account XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

JPMCB - AUTO FINANCE Account type - Auto Lease Date opened - XXXX XXXX, 2017 Address XXXX XXXX XXXX XXXX, NY XXXX Above Account created under JPMCB - AUTO FINANCE without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. 
According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.
Product: Credit reporting or other personal consumer reports

Account is connected to wrongfully created account. Opened without my permission! It is affecting my report
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts on my report, theyre hurting of my ability to obtain credit. 

Account Name : XXXX Account number : XXXX Amount : {$920.00} Account name : XXXX XXXX  Account Number : XXXX Amount : {$21000.00} Account name : XXXX XXXX  Account Number : XXXX Amount : {$23000.00} Account name : XXXX XXXX  Account Number : XXXX Amount : {$28000.00} Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX I HAVE NEVER EVER RESIDED, IN ANY OF THEIR PROPERTIES, THIS IS CAUSING MAJOR, DAMAGE, I HAVE TRIED TO REACH OUT TO THEM, THEY HAVE SENT ME PAPER WORK, THAT IS NOT MY SIGNATURE, MY HOME WAS BROKEN INTO, IN XX/XX/2010, I lived in assisted living, XXXX charities, Building, my income was {$720.00} a month, I do not know location of said property I do not know address, This debt is fraud, I have explained that to them they stated the would take my XXXX checks, I am XXXX XXXX Veteran, in a XXXX XXXX suffering from XXXX, AND XXXX, PLEASE HELP, they call and say XXXX XXXX you owe us XXXX I told them do not call anymore, they told me they have the right to call for this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report recently and discovered an alleged hard inquiry. The inquiry was made on XX/XX/2022, by XXXX.
Product: Credit reporting or other personal consumer reports

Navy federal is reporting late payments on my consumer report on the following dates [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX ] that I have no knowledge of ever being late! 

Furthermore 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS. 
Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Debt collection

My medical bill of {$210.00} was paid in XXXX ( well on time ) but Receivable Solutions XXXX, XXXX, SC still flagged my account with credit rating agency and my score went down by XXXX points. Im about to apply for mortgage but now can not because of their error. My account was in very good rating until now. I called them and they admit their mistake but dont know how much time will it take for them to get it corrected. Please help o resolving this as this is consumer harassment.
Product: Credit card or prepaid card

My company purchases gift cards from American Express on a regular basis for employee incentives. Since XXXX of 2023 there have been several occasions where the gift cards received had already been used. The cards are either hacked or someone is taking pictures of the cards after they have been printed and is using the numbers to make purchases before the cards are used by the actual purchaser. I recently gave out gift cards to my employees for appreciation. These were new gift cards still sealed in the envelopes from American Express. I had several employees contact me and tell me their gift cards had {$0.00} balance on them when they first tried to use them. These were all {$100.00} gift cards and so far I know XXXX of them that were compromised, meaning they were new {$100.00} gift cards still in the envelope, but they had balances less than {$100.00}. Some had {$5.00} left on them, some only XXXX. I called XXXX to file a complaint with Amex and get the issue resolved. This is the only number provided to call for customer service today XX/XX/2023. I was put on hold several times. I had to explain the situation to XXXX different people and give them the XXXX different gift card numbers each time. At one point I was put on hold for over an hour. I was told that there was no email address to which I could send my complaint, nor was there a direct number to call should the issue arise again. After being on the phone for over 2 hours I was told that they were having technical difficulties and that I needed to call back. I was told the best time to call back would be at midnight. My company has spent hundreds of thousands of dollars on Amex gift cards over the past 5 years, and recently these scammed cards have become more of an issue. My call today was over {$600.00} worth of scammed cards and there may be more out there that my team has not let me know about yet. The customer service from American Express in trying to get this resolved has been awful. And so far there has been no resolution. I am attaching photos of some of the compromised cards.
Product: Credit card

Late XX/XX/, I disputed the transaction with the company in regards to XXXX XXXX XXXX XXXX XXXX billed on XX/XX/2023 for {$350.00}. The company provided a temporary credit. On XX/XX/XXXX, the company provided a letter stating they reversed the transaction because of lack of " proof of cancellation ''. I submitted a response on XX/XX/XXXX stating the merchant " terminated '' the service with bogus reason hence no cancellation from my side was needed. On XX/XX/XXXX, I submitted the response again stating 1 ), the merchant breached the contract first thus no cancellation obligation is needed from me 2 ), the specific details why the merchant breached the contract. Capital One denied my claim immediately on the ground of " lack of requested documents ''. I called in to confirm the requested documents again, after 4 representatives, they confirmed with me 1 ), purchase agreement or invoice ; 2 ), proof of cancellation ; 3 ), terms and conditions ; 4 ), refund voucher or not ; 5 ), description on what happened. I explained to the rep that 1 ), I was never provided a purchase agreement or sales receipt, that's the fact from the initial filling ; 2 ), the merchant refused to provide service and breached the contract hence no cancellation needed from me ; 3 ), I have already provided a copy of the terms and conditions ; 4 ), I have already provided a description on what happened and details. 5 ), the merchant refused to provide a refund. 

Capital one refused to dispute this transaction on the ground of lack of sales invoice or purchase agreement. The reason is that because the merchant refused to provide me with those documents upon three attempts.
Product: Debt collection

I am writing this due to non-compliance with FAIR COLLECTIONS & OUTSOURCING. THEY HAVE FAILED TO REMOVE INFORMATION THAT WAS AFFILIATED WITH PERSONAL DETAILS THAT WHERE CHALLENGED IN THE PAST. 

I strongly believe they are in violation of the FCRA and are refusing to uphold the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an on-going issue I'm having with Experian. They are violation of the FCRA. Per 15 USC 1681 ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; SO WHY ARE THEY STILL VIOLATING MY CONSUMER RIGHTS AND SHOWING LATE PAYMENTS AND UTILIZATION ON MY CONSUMER REPORT? THIS IS CLEAR VIOLATION OF THE ABOVED FCRA SECTION. It shows I have charge offs for : XXXX XXXX {$3600.00} XXXX {$3800.00} XXXXXXXX XXXX  {$1100.00} XXXX XXXX {$15000.00} XXXX XXXX {$0.00} XXXX XXXX {$130.00} XXXX  {$110.00} XXXX : XXXX {$1300.00} XXXX {$670.00} XXXX XXXX XXXX {$1400.00} None of my transactions or experiences should be shown. WHY ARE THEY VIOLATING MY RIGHTS AND THE CFPB DOES NOTHING. HELP!! ANY AND EVERYTHING RELATING to my Charge OFF Accounts, Late Payments of credit Utilization should be removed within 10 days of receipt of this statement. I JUST retained a consumer law lawyer to file for arbitration against Experian and any of its affiliated for the violations that I'm incurring. How its causing me gravely consequences even though the violation is as clear as day. I'm looking only for deletions and failure to do so will result in me seeking monetary compensation for each violation granted to me under 15 USC 1681 n1. I will be seeking no less that {$1000.00} usd for each violation and we've counted over 50. PLEASE DELETE ALL RECORDS OF LATE PAYMENTS, UTILIZATION, CHARGEOFFS AND COLLECTIONS PER THE FCRA. THIS IS THE LAW, ITS NO REASON TO REACH OUT TO THE ALLEGED DEBTORS. THIS IS CLEAR VIOLATION AND FAILURE TO RESPOND WITH DELETIONS WITHIN 10 DAYS I WILL REACH OUT TO MY LAWYERS TO START THE ARBITRATION PROCESS SWIFTLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, Texas, XXXX XXXX XXXX XXXX Dear Transunion, I, XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following item and the account was to be removed from my credit report by your bureau. It is showing inaccurate and still reporting negatively. According to the Fair Credit Reporting Act, legally the following incorrectly reporting items must be removed. I have already contacted the companies, and they did not have any of my information on file as an outstanding debt. 

The following items should be removed immediately : Party Owed : XXXX XXXX ( XXXX XXXX ) Type of Business : Debt Collection Account Number from Credit Report : XXXX I am disputing this claim due to having the aforementioned item deleted off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Acct # XXXX 15 U.S.C 1681 section 602 A.

States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Money transfer, virtual currency, or money service

Hello, I am providing a written statement along with additional documents such as a police report to support my claim and request to reopen the claim. 
I am a victim of a scam. On XX/XX/2021 I purchased a blue sectional sofa for the agreed upon amount of {$110.00} and never received the sofa! The payment was sent to the person selling the sofa on XX/XX/2021 and the sofa was to be delivered to me that night or the following morning on the XXXX of XXXX. I then set up arrangements with my current rental sofa to be returned to their warehouse once I got the sofa from the seller. This can also be verified with my rental furniture company. Shortly after paying for the item the person who sold it to me has since removed the listing for the sofa, blocked me on XXXX. They also stopped responding to me that night on the XXXX of XXXX and I have not heard back from them since. They also changed the name on their account where the payment was sent to, in an attempt to cover up their scam. I have reported them to XXXX and XXXX. I requested the funds back from them because I did not receive the sofa and they never gave it back, proving they were scamming me. I have since filed a police report with my local police department that you may call and verify and I have attached the copy to this email. I am truly a victim of this scam and it pains me as this money was taken from me days before XXXX and I could not purchase presents for any of my family members. Not only was I scammed, disappointed for not receiving the item and left with no money for XXXX presents I am also facing this difficult battle to obtain my money back from my bank, Chime. It further saddens me to have my claim denied from Chime when I should be expecting the most support from especially when the amount is as little as {$110.00} that should be returned to me as Chime is backed by FDIC. I am now behind on multiple bills and desperately need this claim to be approved as it will help me greatly and return my faith in Chime. Please please return this money to me. Thank you very much. 

Attached to this email please find the police report, please email me if there is anything else needed from me. 

God bless. 

Chime denied the dispute
Product: Debt collection

company name ; high desert creditors. located in XXXX calif. 
they continue to call me after being told not to call my job. 1st time was end of XXXX 2016, today they called again at my job. i told him not to call my job any more. this is the 2nd time. he got angry & started talking about how he will call me on another phone. he didnt hang up immediately. he said that i owe {$900.00} & demanded that i pay it. i again told him that i will get in trouble if he wont stop calling.
Product: Credit reporting or other personal consumer reports

I've contacted Transunion and XXXX regarding the collection increases from the same company every XXXX weeks. Them repeatedly reporting this is hurting my credit tremendously and has made it very difficult for me to get approved for a place to live.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been locked out of the experian system since XX/XX/2022 XXXXTherefore I cant have access to unfreeze my account and I cant apply for any credit because my account is freezeD .In order for me to unfreeze my account I need to be unlock first. I have try by all means to find live help to solve my problem and it is impossible to talk to someone .I have dialed several different numbers, send a fax, mail them a letter to their po box NO RESPONSE at all. The number they have for support is just a recording machine and has no option to Unlock .It is very frustrating and it is causing me so much trouble for situations where my credit needs to be pulled. PLEASE I NEED HELP ASAP, LOOKS LIKE I WILL NEVER BE ABLE TO FIX THIS PROBLEM. Experian has the worst customer service in the world