23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I had a fight with Chase Credit Card on a business card that I was not responsible for as I was a XXXX XXXX in the XXXX XXXX I left. We went round and round. They could not provide a written contract that I was responsible for the credit card. I think it may have been the business agent at Chase that did it. After a long fight I was able to get them to discharge the debt, but they still refuse to take it off my personnel credit report. On top of that even though I have an excellent credit score at XXXX. Chase is denying me credit cards that are attached to other companies, such as XXXX XXXX etc. Based on a lie of delinquency and derogatory relationship with the bank. Our relationship has definitely been rocky but I have never been delinquent on any of my credit card or mortgage payments. Even the mortgage payment I have is with Chase. I think they put me on some kind of secret Black List because in the explanations I have given to other credits etc I excused them of being like XXXX XXXX and opening business credit cards without letting the person know. I have attached their letter of denial and my letter of explanation of the business credit card issue. If you need additional documentation of information please contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my 2nd attempt to submit this complaint but then I think my request has been ignored by the bureau. I am certain that these accounts below are reporting erroneously in Experian. I do not remember having these accounts with these companies. I don't think there is legal contract between these companies & myself. I would like you to provide me verifiable proof these accounts belong to me. I demand a signed contract which will prove a legal agreement. Please authenticate this information and provide me with copies of any documentation linked with these accounts which bears my signature. In the absence of any such documentation bearing my signature, please delete these straightaway. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX Balance : {$510.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX  XXXX Balance : {$590.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$370.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} ( Original Creditor : XXXX ) XXXX Balance : {$0.00}
Product: Debt collection

XX/XX/2018 I paid {$100.00} they told me that my account was paid in full and that my account was now closed. 4 months later they are now calling my saying I owe {$290.00} in late fees and that they will take legal action if I don't pay they call about 15-20 times daily for the past two months, they text my phone 15-20 times daily as well, they call from block numbers all day long before XXXX and after XXXX the representive I spoke with was so rude to me I was pretty much forced to pay something even though I don't owe anything
Product: Debt collection

They keep calling and asking me to pay them calling me after hours telling me theyre going to tell my family members that I owe this debt or take from my Social Security
Product: Debt collection

I recently disputed inaccurate information on my credit report from this company that claim I owe debit! Ive sent dispute letters several times asking them to please provide me with verifiable documentation that bears my Signature that states I owe them the debts they claim I owe, the Documents that were provided to me did not bear my Signature in fact they provided me with an itemized print out of a statement which does not constitute debt verification, Per FTC opinion letter from attorney XXXX XXXX XXXX. I have since been receiving the same print out itemized bill and not a contractual document bearing my signature that state I owe the alleged debt. the only resolution is for this company to delete this inaccurate information they are reporting to the Credit Bureaus, which violates the FCRA for reporting inaccurate and unverifiable documentation to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

May you please assist me. I have accounts that Im unaware of XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX that someone did a pay settlement. How can this even happen? I need all this removed from my report. The companies all said Im responsible and theres nothing I can do but pay. This is so horrible. I work XXXX hours a day XXXX children to feed. please remove this so I can buy our home. Please God Please.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report with XXXX is showing that there was a Barclays flexible spending credit card ( account ending in XXXX ) that I was listed as an authorized user for. The report says the account was opened on XX/XX/2016 and ended up getting closed and sent to collections with a {$2100.00} balance that was never paid. I never opened an account with Barclay or agreed to be an authorized user on any cards owned my Barclays.

I've called Barclay 's multiple times over the last 2 months to get this removed. I submitted a fraud ticket and was supposed to get a call back in 14 business days, they never called back. I called again and when through the same song and dance and they were supposed to call be in 48 hours once they got " manager approval '', and they never called me back. They have not been able to find any information about me in their system- they don't have any accounts that pull up under my name or social security number. When I asked them to then send a letter to the credit bureau with this information, they said they can't do that because they don't have information about my account. 

Then, I disputed this account with XXXX ( mind you, the other two credit bureaus have removed this from my report ). They responded to the dispute and said the information was accurate. I'm not sure how they were able to prove this if Barclay 's themselves didn't have any information about this account, but I digress.

Now I am at a loss because Barclay 's doesn't have any information about this account, and the only way I could remove the account with XXXX was to get a letter from Barclays, which they won't provide to me.
Product: Debt collection

COMENITYCB/ZALES Charge Card with account # XXXX opened on XX/XX/year> and a balance of {$0.00}. I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  not my account I tried to dispute it and still not removed
Product: Checking or savings account

I have an online savings account with Citibank. I don't do much with the account but yesterday I wanted to access it. 

XX/XX/22 I went to sign in, and it wanted to text me a code, except they have a phone number no longer in service. I opted for a phone call, and the rep wanted my ATM pin to help verify the account ( I'd already provided SSI number ). I do not have a credit/debit card for that account, it was opened only for the purpose of a savings account. 

The person I spoke to at Citibank indicated the account had been locked, although he did not know why. He tried to get me signed on but I got a message the site at difficulties. He offered to start all over again, but I'd already been on the phone for an hour and had to attend other things and told him I would try the next day. He said he changed my phone number, so I assumed I would be able to sign in by getting a code the next day. 

XX/XX/22 I called, and very long story short, my account can not be accessed due to some glitch on their end-nor can they tell me why my account has been locked. They did say my phone number had been changed, but that does not reflect when I go to try and sign in. I asked when that would be resolved and was only told the developers were aware of it. I received no information as to why my account had been locked, or why I could not access my money. I asked if I would be notified when it was fixed and was only told again, the developers are working on it. So no clue as to when I could access my money. 

I consider this a major problem. If I had an emergency and needed access to the money immediately, I would be out of luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company has wrote the loan amount off as a loss meaning they got paid for it due to writing the loan off as a loss but still shows on my credit report and are calling me trying to still get paid for the left over amount meaning they are getting paid twice for the delinquent amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that a collection I paid was not mines. I will be suing the collection company to recover my funds However, I attempted previously to have item removed by Equifax and received a letter from stating the account was verified as accurate. I request written verification or removed accordingly. Again, I sent Equifax a letter which they received XX/XX/XXXX via certified. I ask them to remove the unverified collection account or to provide written verification documentation. I knew they would not be able to provide proof because the debt was not mine. I also reached out to XXXX and they recognizes this and removed the collection immediately. I have not received written verification because it does not exist and the collection continues to be reported. 

XXXX has also failed to provide WRITTEN VERIFICATION, not false certification by XXXX, but by a signed agreement or legal document with my signature or voice authorizing the amount they claim is past due in collection.
Product: Credit reporting or other personal consumer reports

Experian and XXXX has a collection account for a national credit system that is on my credit report witch is stopping me from employment and other things I have asked for validation of this debt plenty of times they ignore and say that everything is accurate and I requested proof in written over the phone and online for over 6 months I have explain to them and the collection agency this account does not belong to me no one will provide proof of me owning this account and debt they are violating my right fcra law to a complete and accurate credit report I will like a investigation into XXXX and Experian for fraudulent reporting of my personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

When applying for a loan to refinance my home I received what I felt was an unfair home appraisal. When I explained to my loan officer something seemed way off as there was an approximate {$50000.00} difference I was left to believe I could fight it but they rarely get overturned. After receiving a copy of the home appraisal to review 6 days later in the mail I immediately sent an email the following day stating the issues that I found and requested they look into the discrepancy. I was contacted by an escalation team the following day only to be told my loan was closed and that I needed to fill out another application. I questioned what the timeframe was to dispute an appraisal and have been waiting 4 business days for a response. I have requested to speak to a manager several times however the associate told me they would not be contacting me until they get an answer from their underwriter regarding the timeframe to dispute a loan. After listing my concerns with the loan officer to the escalation associate and stating I refused to work with them further and requested a new loan officer be assigned to me I was still told I needed to work with my current loan officer to fill out another application. The service has been the worst I have ever experienced.
Product: Debt collection

Phone number keeps trying to contact me looking for someone I do not know, I have repeatedly told them that I do not know the person they are looking for and they continue to call everyday and sometimes from different numbers are realizing that I have blocked them. I want the calls to stop
Product: Credit reporting, credit repair services, or other personal consumer reports

final notice The information listed below are inaccurate and incomplete. The presence of these information on my credit report is damaging me and defaming my character and must be removed. I respectfully ask that these accounts be and removed from my file and blocked for the final time. 

My name is XXXX XXXX XXXX XXXX and this is the only name i want on my credit report, Kindly delete the following names below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My Address is XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, Kindly delete the following addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Find attached my Id card and ssn card as proof. 

I have informed you by mail and its passed XXXX  days, i here by give you XXXX more days to delete this inaccurate information off my credit file.
Product: Debt collection

trying to make a payment to sessoms and rogers lawfirm. they told me something along the lines that they cant discuss anything over the phone and that they will send a letter out to me. then i called back and got no answer. it keeps going straight to voicemail.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Ive just reviewed my credit report and noticed the following inaccurate items : XXXX XXXX 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 I request that you VERIFY this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I request that this information be immediately removed from the credit file you maintain under my Social Security Number. 

Finally, please remove all non-account holding inquiries over 30 days old and add a promotional suppression to my credit file. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage is with Freedom Mortgage. They purchased it from the original company, XXXX XXXX. Approximately 2 years ago, I was hospitalized with recurring XXXX XXXX. It was necessary for me, with my small business and cash flow, to pay my mortgage at the end of the month rather than on the XXXX. I contacted Freedom and asked to skip a month, in order to put me back on schedule and I explained the circumstances. They denied my request, and informed me that the payment was due on the XXXX no matter what. They then reported to the credit bureau that I was 30 days late 4 times. I protested this because I always made sure that I made the payment before the next one was due. I called Freedom and they checked their records and they found that the payment was always received BEFORE the next payment was due ... however, they maintained that since the payment was not made on the XXXX, it was late. The credit reporting agency counts this as a MISSED PAYMENT and it is absolutely killing my credit score. As a result, I am paying higher interest charges, insurance premiums etc. and I have been denied credit even though I have a good payment history otherwise. Freedom has denied my protest, twice and refuses to budge. I believe that I could sue them for incorrectly reporting, because I certainly have incurred damages because of this. My position is that I am not one month late if I made the payment before the next one is due ... .and that was always the case ... according to Freedom 's own records. I hope that you can help me. I am XXXX years old and XXXX and my wife runs our business, which other than S.S.I. is our only income. I finally caught up about 5 months ago and it's no longer necessary for us to pay the mortgage at the end of the month. My only other recourse is to hire an attorney, which is difficult and expensive, but I believe I would prevail. Thank you for your consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter in the mail indicating I was delinquent on a loan payment to XXXX XXXX  on XX/XX/XXXX. I contact XXXX at the number provided on the letter - XXXX and requested information on the account. The account was for a personal, unsecured loan in the amount of {$800.00}.

Contacted XXXX  XX/XX/XXXX : Indicated the fraud and requested a representative within their fraud department contact me.

Contacted XXXX  XX/XX/XXXX : Indicated the fraud again and asked if a supervisor was available to assist. Was transferred to XXXX   and repeated the story. He said they couldnt transfer me to a fraud department, but that he would escalate this and someone would reach out within the next 24 hours.

Contact XXXX  XX/XX/XXXX : Spoke with XXXX XXXX, a supervisor, he again noted on the account and said he would personally escalate this. He was provided my email and cell number once again.

Contacted Experian to dispute the account.and was told that XXXX  would respond within 30-days.

Received notice from Experian that XXXX had validated the account and the dispute was canceled?

Contact XXXX XX/XX/XXXX: Spoke with XXXX ( Supervisor ) Provided information on the loan. Escalating again to resolutions team. I was told i'd hear back within 24-48 hours. No call back.

Contacted XX/XX/XXXX - XXXX ( XXXX  SoCal Rep ) to discuss the limited help Ive received from XXXX. She was going to help escalate this. However, she was in XXXX and needed to get back to me. I received a text from her Saturday XX/XX/XXXX. She gave me the number for the Service Desk @ XXXX and asked myself or the detective to contact. XXXX.

ContactedXX/XX/XXXX Went to the XXXX XXXX XXXX branch ( Orgin of the loan ) and spoke with XXXX  ( Manager ). I was able to see a picture of the suspect that took the loan on her computer, but unable to take a picture for my records or receive copies of the loan documents.

ContactedXX/XX/XXXX Called the help desk and was on-hold for exactly 30 minutes, nobody ever picked up. Left message on voicemail with all account info and indication of Fraud. Updated XXXX XXXX by email of the latest info I had on the case.

Contacted XX/XX/XXXX - Called the help desk and was on-hold again for exactly 30 minutes, nobody ever picked up. Left message with voicemail.

EmailXX/XX/XXXX Sent email to XXXX with details of fraud and account. Requested someone contact me immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX I have disputed this information directly with the creditor to concerning some inaccurate items being furnished on my consumer report ( TransUnion and XXXX ). I have allowed the creditor the allotted time XXXX XXXX to do an investigation and respond to my disputes. Pursuant 15 USC 1681 s2 unverifiable inaccurate or incomplete information must be removed from my consumer report in accordance to 15 USC 1681 i ( 5 ). This company did not respond to me within XXXX XXXX therefore, this means the information is not verifiable. I demand this account be removed from my consumer report for reporting inaccurate information. Please see the attached documents
Product: Credit card or prepaid card

XX/XX/XXXX I purchased blinds from XXXXXXXX XXXX XXXXXXXX for {$330.00} with my Discover card with a 100 % satisfaction guarantee. The blinds arrived defective. I photographed and defective blinds and the company agreed. They said they would follow up with me. I did not hear anything from the company and reached out via phone and email, but they did not reply. I disputed the transaction with Discover and they provided a provisional credit while investigating the dispute. After initiating the dispute the vendor, XXXXXXXX XXXX XXXX began communicating with me again. Per Discover 's advice I returned the blinds and paid a shipping cost of {$76.00}. I provided Discover with several documents throughout the nearly 5 months of this ongoing dispute. These documents include an email from XXXXXXXX XXXX XXXX  indicating they will issue a refund, which they never did. The documents I provided Discover also included a proof of delivery showing that the blinds shipped and tracked via XXXX and received for return on XX/XX/XXXX. However, Discover has ruled this transaction is valid and charged me for {$330.00}. I incurred an additional shipping cost, the vendor advertises 100 % satisfaction, the vendor claimed they would issue a refund upon return, I have provided proof that the product was returned, at a total cost of {$400.00} and have nothing in my possession for the cost. Discover refused to reopen the dispute and refuses to refund the {$330.00}. It does not pay to Discover!
Product: Bank account or service

After spending a total of 2 hours with Capital One 360 between XX/XX/2017 and XX/XX/2017, they were not able to assist me in opening an account. They were having " system errors '', whether or not that was because they did n't want me as a client again, I am not sure - possibly based off my income or other personal characteristics of myself. I was intrigued by a {$200.00} offer I had received in the mail to open a new account. When I went to open the account online, like I mentioned their was nothing but errors and no one would help me. They blamed it on the multiple browsers I was using ( XXXX, XXXX, XXXX etc. ) ... and then even had the audacity to ask me who my ISP was. Finally at the end of my calls they were still not able to help me open an account and yet they did tell me I was n't eligible for the {$200.00} promotion on top of it. I feel like Capital One 360 really does n't have their business together and is playing with deceptive marketing practices. If they really cared about anyone 's business they would allow me to open an account and provide me a {$200.00} promotion. Now I have nothing nice to say about them.