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

I, XXXX XXXX XXXX, federally protected consumer rights under the Fair Credit Reporting Act have been violated by EXPERIAN. I'm looking for an fair and equitable solution to get EXPERIAN to apply the reasonable procedures that the title has for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of the title. 

please see attached document.
Product: Credit reporting 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.

Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : 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 XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

For experian. When I try to request it online. Its says " a condition exists. '' For XXXX it will not give it to me online.
Product: Credit card

Discover Bank did NOT fix an error on my report and instead claimed it was verified. After I received the investigation results from the consumer reporting agencies ( XX/XX/year> ), I made sure that Discover Bank would receive a detailed dispute letter in compliance with section 623 of the FCRA explaining the errors on my report that they did not fix. This complaint is to serve as a notice and a warning to discover bank as they are causing me harm.
Product: Credit card

I was issued a merchant credit on XXXX/XXXX/2015 and it simply did not arrive on my credit card. This was due to the fact that the original card had been breached and a new number issued. The Big Bank told me in XXXX of several calls I made that they had no technology to move the credit to the new number. After at least XXXX phone calls I completed and online chat and was told they would be able to send the money ( in cash ) to my bank account but it would take 2-5 business days. Surprise after 5 days NO money. I reached out again -- -this time an online chat agent told me the exact same story -- -ANOTHER 2-5 business days and this woman told me to print out the chat as her word that it would happen as she said. GUESS WHAT -- -another 5 business days and no money. I now went into a branch to speak to a live person who called the big guns and when I left he told me that it would not be 2-5 business days but likely LONGER. NOW this bank has held MY money for 38 days. If I pay late I am charged interest but its OK for them to hold my money well over a month with no repercussions? I finally recognized the power of social media and when I posted on FB I got a fairly immediate response HOWEVER now the credit has posted well past the original date of the charge forcing me to pay for it and get my money back when I next pay my bill thus extending the time I am out my money. I feel i should be compensated in some fashion for the HOURS of my time spent chasing my own money AND having to wait for it. If this were a regular bill since they owed me the money the bank would have to pay me late fees and interest. Today I received a call form the social media team who were somehow able to get the credit sent to my new card ... funny how no one could do it before.
Product: Credit card or prepaid card

Hello, I opened a dispute with Chase for a charge to my credit card from XXXX dentist on XX/XX/XXXX. XXXX charged me ( XXXX payments of {$1000.00} ) for a filling ( {$300.00} - which was valid ) and a crown that I did not receive and I disputed the charge with Chase, providing a brief recap on why I was disputing the charge. I expected that Chase would follow up with more information, as I was unable to provide much documentation via the initial dispute process. 

Chase temporarily returned the funds to my account on XX/XX/XXXX while they investigated. On XX/XX/XXXX, I received a notice from Chase that they considered the disputed charge valid and they provided emails from XXXX to Chase- however Chase never called me to confirm, or to ask for validation. 

I called the Chase XXXX Department on XX/XX/XXXX, asking what recourse I have to reopen the claim. They told me I would need to send a letter to Chase to reopen the claim, and that I should provide documentation to support my claim. I sent this letter ( copy attached- I can provide all of the exhibits in the letter in soft copy as well ) and it was delivered on XX/XX/XXXX ( proof of delivery attached ). 

I received a letter from Chase on XX/XX/XXXX, letting me know that they consider the disputed charges valid. When I called to inquire how this was possible, and to voice my concerns ( attached ), two separate supervisors from the dispute department told me that the issue was actually around timing. 

The dispute supervisors told me that as of XX/XX/XXXX the dispute had been open and marked as paid for too long, and that XXXX would not let them reverse the claim regardless so my documentation was not valid. I asked how that was possible, as they had received all of my documentation on XX/XX/XXXX. Both supervisors were apologetic but reaffirmed this was XXXX 's policy, and that Chase has a standard 15 day period to review any documentation submitted for claims, so the documentation was still in the review period before the claim had closed. 

The claim aside- which is valid and I should not have had to pay for ( XXXX reversed the claim from them back in XXXX ) - Chase informed me that they considered the charges on the dispute valid on XX/XX/XXXX and when I called to ask about next steps, I was not informed about any date that documentation was needed to reopen the case. Even if I had been informed, which I should have been, 15 days is the customary time period for Chase to review documentation. 15 days out from XX/XX/XXXX is XX/XX/XXXX, and apparently the window for this claim to be disputed closed on XX/XX/XXXX. My documentation would never have been reviewed in time for this claim to be appropriately investigated. 

This was a deceptive dispute process, and I was offered no recourse from Chase after the fact. I have examples of anything additional needed to support this complaint. Please reach out if anything is needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/XXXX/XXXX not authorized XXXX XXXX XXXX/XXXX/XXXX not authorized XXXX XXXX XXXX  XXXX XXXX/XXXX/XXXX not authorized XXXX XXXX/XXXX/XXXX not authorized XXXX XXXX XXXXt XXXX/XXXX/XXXX not authorized XXXX XXXX XXXX XXXX/XXXX/XXXX not authorized XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX not authorized XXXX XXXX/XXXX/XXXX not authorized XXXX XXXX XXXX XXXX/XXXX/XXXX not authorized XXXX XXXX XXXX/XXXX/XXXX not authorized please remove them from XXXX, Equifax and XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2020, I made a transaction of amount XXXX on XXXX  to XXXX XXXX. The amount was debited from my account but didn't received by the receiver. It's already been more then a month but no update is given to me regarding my money from XXXX  company. I have tried to contact XXXX  customer service multiple times but Everytime they say that the problem would be solved within next 3 Working days. But today it's XX/XX/2020, but still I haven't given any updates, not even my account is credited by XXXX rupees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following fraudulent inquiries on my credit report but yet the credit agencies are still reporting and marking as updated, even after I reached out to each company individually, claiming that its all on the credit agencies. However, in accordance with FCRA if one is not provided physical evidence then the accounts should be removed. The following inquiries being disputed are, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX / XXXX, XXXX XXXX and XXXX XXXX XXXX
Product: Debt collection

Sir or Madam, Today from my XXXX account PENN CREDIT CORPORATIO has flagged your account as Collections on XX/XX/2021 I assume they have also contacted the other 2 credit bureaus, which adversely affect my credit. This action is over a debt which is 3.5 + years old which I have I NEVER received a bill for, not one. I have tried to work with the collection company to Identify if this is my bill. I have assured them that I will pay the bill expeditiously ; if we identify it as my debt. They respond with form letters and emails that say not to respond. They did commit to ask for a copy of the original bill and any subsequent payments received below : From : XXXX, XXXX EMAIL Dated : Tue, XX/XX/2021 at XXXX AM Subject : RE : ID # XXXX To : ME The dispute was sent as of XX/XX/2021. Please allow approximately 30 days for response. If you havent received the response within the 30-day period, please contact Penn Credit Corporation XXXX XXXX or email us directly at XXXX. 
Its now been over 60 days and they have flagged your account as collections with the credit bureaus ( s ), Yet they have not provided me the proof it was my bill [ promised above ] and now they are actively pursuing collection of a dispute charge. 
I have attached my XX/XX/2021 which restates my willingness to pay and what I need to do that along with screen shot from my XXXX account page.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with TransUnion regarding and account that is not mine and it has been more than 60 days and no response, TransUnion disregarded the law by not responding to consumer disputes, hopefully this will be the last time they do this.
Product: Credit card or prepaid card

Synchrony XXXX XXXX closed my account based on inaccurate information on my credit report caused by XXXX XXXX fraudulently claiming debts not owed on XX/XX/2022 which dropped my score to XXXX which was inaccurate. Synchrony closed my account because of the score they pulled on XX/XX/2022 and even though all three of my Synchrony accounts have {$0.00} balances, have never been paid late on and just recently I paid every account off completely they still closed the account. I called them and they refused to reopen the account or email, mail or fax me a way of trying to reopen it. Now my score will be hurt again because of a newly closed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received an Alert from Experian on XX/XX/2023, stating that " Nice Job paying off your Loan- your account was last reported as having a Loan Outstanding, but now it's showing as paid with a Zero balance. 

XXXX XXXX XXXX XXXX has reported Positive Activity : Loan Paid. 

On the SAME DAY, Experian gave me a 'Credit Rating Decrease '' I don't understand how a customer can payoff a auto loan and have their credit score drops XXXX POINTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a student loan with ACS/XXXX XXXX that was sold to XXXX. The loan is now reported on my credit report twice. It is in good standing and being paid through XXXX, however, it shows an unpaid balance of XXXX due to ACS/XXXX XXXX and also says it is in deferment. I have tried to contact ACS and they told me to contact XXXX, XXXX said it is an issue with ACS. ACS has had thousands of complaints about incorrect reporting and I would like to figure out how to get this off my credit report.
Product: Credit reporting or other personal consumer reports

REVISED COMPLAINT : Credit inquiries by these companies that I did not authorize : 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 card

I have received XXXX different requests from BANK OF AMERICA saying that someone from Texas is trying to use my information to open a credit card account. I do not live in Texas, and have never visited there. I told them to cancel the card application. On the second call from BANK OF AMERICA, today, ( XX/XX/XXXX ) they provided the same information, and then supposedly connected me with " XXXX XXXX '' at your agency. I also told BANK OF AMERICA to cancel the second card application. I questioned the phone transfer to XXXX XXXX... and I still question it, which is why I am submitting this report. XXXX could quote which cards, and name which institutions I bank with in my credit report, so I am suspicious. 

Neither phone number that BANK OF AMERICA used to contact me appeared on my Caller ID with their identification, so that is also suspicious. 

I am a senior citizen, now home-bound, XXXX from birth who only collects Social Security . I rely on my credit cards to survive. The balances are high on all of them, but I have not missed payments on them in years. 

" XXXX XXXX '' who has a foreign accent claimed he could eliminate interest charges on several cards of mine. I told him I rely on the cards to survive, but I have not applied for any new cards recently, and I want my credit watched so no one can open new accounts in my name. I also said I want NO new credit cards, but I also do not want any of my existing accounts closed. 

He provided me with your agency 's phone number and his extension, saying he would phone me again on XX/XX/XXXX. 

I'm contacting you in this manner because I am skeptical of both contacts, " XXXX '' and BANK OF AMERICA, and want my existing credit and my name protected by the various government agencies that do this. 

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

I am writing to formally request the blocking and deletion of all accounts and inquiries listed below, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to these measures to protect my credit. 
The accounts in question are as follows : XXXX. XXXX Account Number : XXXX Date Filed : XXXX Balance : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XXXX Balance : {$560.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XXXX Balance : {$0.00} Additionally, I would like to address the following inquiries associated with my credit report : XXXX. XXXX XXXXXXXX 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 card or prepaid card

American Express is refusing to return me my XXXX XXXX From XXXX  and they are holding my money and will not return it to me either by my BLUEBIRD Account or mail, and they keep hanging up on me and putting me on long holds
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied a apartment based off of XXXX XXXX XXXX report stating that I have a landlord debt of {$370.00} when in fact the debt they are listing as a landlord debt is a cable company XXXX, XXXX XXXX XXXX reporting this information incorrectly is preventing me from obtaining a safe place to live, XXXX is providing this incorrect information to Safe Rent Solutions which is preventing me from getting a home.
Product: Credit reporting or other personal consumer reports

I have reached out to both party to remove these hard inquiries from my credit report due to identity theft. I have uploaded my police report. 
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 card or prepaid card

There are several charges on my BOA credit card that was not authorized XX/XX/XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX, CA XXXX I have asked to be credited however nothing happened. Also, I have had this account since XX/XX/XXXX and have never been late. In XX/XX/XXXX I was reported for being 30 days late. I {$25.00} I would never jeopardize my credit over {$25.00}.
Product: Credit card

I authorized a specific amount on my credit card via an authorization form and the Credit Card company allowed and approved an additional amount.
Product: Credit reporting 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. 
ACCOUNT NAME / ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME / ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME / ACCOUNT NUMBER : XXXX XXXX XXXXXXXX ACCOUNT NAME / ACCOUNT NUMBER : XXXX XXXX XXXX XXXX # XXXX ACCOUNT NAME / ACCOUNT NUMBER : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT NAME / ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME / ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT NAME / ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I need some help, there is a collection listed which I do not owe nor does this belong to me. I have disputed this with nothing received in return. Please help
Product: Mortgage

Had FULL INSURANCE insurance BUT STILL Wachovia / WF put FPLI and paid commissions to employees. Would not take the $ XXXX to reinstate the loan MINUS the FLPI.
Product: Credit reporting or other personal consumer reports

1mmediate removal of the charge-off status and all related delinquency marks ( 30, 60, 90, 120, 150 days past due ) from my credit report, as this information is inaccurate and disputed. 

Verification and correction of the account balance, ensuring that it accurately reflects any legitimate payments made or amounts owed. 

Investigate the previous dispute and reinsertion of incorrect information, ensuring that no further reporting violations occur. 

Notify all credit bureaus ( XXXX, XXXX, and XXXX ) of the corrected account status and provide written confirmation of the investigation and results.
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently set up automatic payments to be deducted from my XXXX charge card. On XX/XX/20 XXXX processed my automatic payment. My bill was XXXX they took my automatic payment out but then for some reason reversed the payment. I had no knowledge that my payment had been reversed. This caused my account to fall into delinquency without my knowledge. I only knew about it a month later because XXXX XXXX alerted me about a late payment. I called XXXX got my account up to date. They gave me back the late fee and told me this would not effect my credit. However it was reported that it was over 30 days late so now I have a negative remark on my credit report. When you set up automatic payments you are trusting that all your payments will be made on time. This was an error on XXXX behalf and should not reflect my credit score in anyway. I have been a valued customer and had a charge card for 9 years with them but now I don't feel so valued as they are not helping me to fix this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi! I have tried many times to have my Experian credit report corrected. My XXXX XXXX  credit card account ( closed in XXXX ) was settled on XX/XX/XXXX, but Experian continues to report it as of XX/XX/XXXX as currently in a negative or charge off status ( more than a year later ), dropping my credit score by up to 90 points. XXXX XXXX  claims to have reported the account as " settled in full '' as of XX/XX/XXXX, and says this is not a bank issue, but an Experian issue. I uploaded yet another dispute today, but am not optimistic that Experian will fix the issue in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
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 XXXXXX/XX/year>