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

On XX/XX/XXXX I submitted a dispute on account XXXX  XXXX for MISSING DATA between XX/XX/XXXX and XX/XX/XXXX. I asked Experian to remove this account because this credit file is incomplete. In only 4 days on XX/XX/XXXX, Experian " UPDATED '' account. The only update that was made on that account was that now it says In the Reinvestigation Section " This item was updated from our processing of your dispute in XX/XX/XXXX ''. Other than that, everything is exactly the same. I demand a reinvestigation take place, and if the account in question is incomplete, inaccurate or unverifiable in any way that it be removed from my credit report. It is my right as a consumer to a complete and accurate credit file. Experian said that they completed an investigation but according to FCRA 1681 ( a ) ( e ) " The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. " They have not provided such evidence to show that there was any investigation other than that of sending and receiving information from the data furnisher which as you know is not considered a complete investigation. 

According to FCRA 15 U.S.Code 1681 everything has to be with certainty 100 percent accurate. 

I look forward to a proper and expedited investigation into this matter. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. I am having issues with inaccurate addresses on my credit file. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished Lexis Nexis, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX , XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX-XXXX XXXX  XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact Equifax by phone, email, online and through certified mail to correct and have false information removed. I have opened investigation after investigation and its clear that they are not conducting proper investigations. My birthday is incorrect, they are reporting charge offs as late with open balances. They refuse to remove addresses and names that are incorrect. I provided them the correct information along with UCC codes and other scholarly reference based information. I have been named in their data breach and they are still messing me over
Product: Credit card

For over 30 years I have had a credit card account with Chase. A few months ago I decided to add an authorized user on my account because I had n't used the account in quite a while. Well from the moment my authorized user began using the account it was one headache after another! Now I appreciate and understand Cjase wanting to make sure that no funny business is going on with the account but what they did and are doing should be illegal. I informed Chase in writing that the account would be used by my authorized user and at which stores, dates and approximate amounts spent. Well they kept freezing the card and I would have to call them or wait for them to call me to verify activity on the account. This happened at least 5 times in 3 weeks. In XX/XX/XXXX I put in for a balance transfer offer that Chase was doing at the time for a couple of credit cards that I had some small balances on. Bear in mind these were my own accounts in my name only. Well Chase decided to shut down my account, remove my authorized user and not communicate with me as to why it was being done. My credit limit was {$26000.00} and there were approximately {$14000.00} worth of charges to the account including the balance transfers. For 2 weeks every time I tried to call to get information about what was going on I kept being told that I would have to wait for someone in another department to call me. The call never came. Then I find out through my authorized user that Chase closed the original account and set up a new account with a XXXX balance. I never received a new card, a letter or anything explaining what was going on. So when I call then XX/XX/XXXX they tell me that I need to go into a branch with a valid photo ID before any information can be shared with me. Despite the fact that I have a credit alert on my credit report which gives my number to call to verify Chase never did that. If I had been asked to go into a branch back in XX/XX/XXXX when this all began I absolutely would not have had a problem doing so. However, it was a month or so later after they had taken all of these actions without so much as a phone call or letter of explanation. And if I had not been made aware of the new account and called myself I never would have been notified that they wanted me to come into a branch. And to top it off last week after showing that the balance is XXXX and refusing to give me access to my account online, they withdrew a payment from my authorized user bank account for payment! My authorized user bank account info was on the account because they had agreed to have payments come directly out of their account since they were using the account. It was really all about rebuilding their credit. So I want Chase to either give me access to my account and send me new cards or to stop reporting this to the credit bureaus. They took over my accounts as completely as any identity thief ever could!
Product: Debt collection

we received multiple bills from several hospital stays that were not itemized so we could match them to XXXX from the insurance company. we requested itemized bills to be sent. 
by this time, the debt was turned over to collections and we were still unable to match the bills with the XXXX 's. 
we called the collection company and asked for the amount we owed and paid it. 
my credit report still reflects that we still owe the debt and the debt collector refuses to remove it. 
we have proof from the bank that we paid the debt and the collections company has a record of the call when we paid it.
Product: Mortgage

My mortgage is with Chase. My payments were being made by XXXX XXXX XXXX paying early each month. XXXX was the provider of XXXX to Chase. Evidently, XXXX was sold to XXXX. On XX/XX/2019, XXXX transferred the files and told XXXX that Chase said I was bankrupt and to terminate the processes. XXXX did and did not pay Chase any longer. I have received no communication from anyone on this. I was going to open a checking account at Chase today and noticed that my mortgage had not been paid. I called and they said that XXXX will not pay them and have terminated me to bankruptcy, which I am not in since the mortgage holder would know. After much pain, I was able to get a mortgage verification letter sent to XXXX so they can restart my payments. However, I had to make a complete payment, pay late fees, and have now late payments that will be on my credit file and payment history. 

XXXX was negligent with the files transfer and XXXX was also negligent by not actually reading the date of the data and contacting the mortgage company to verify the sack of errant files that were delivered. 

What can be done? I have now marks on my credit report and had to pay fees for something that was done to me. No one will give me the records although they are about me and my finances. I thought that I am entitled to all records about myself. 

I am beyond upset and should have something done to remove the late payment recorded on me to the credit bureaus and filed to remove when a manual mortgage is run. XXXX must have been really evil and XXXX doesn't really read what they are given or even contact the person. XXXX did not let me know they were changing services. 

I can provide only the mortgage verification from Chase as the rest of the businesses refuse to provide written or electronic data. They say that they only the computers transferred the files and were processed. Evidently, XXXX did not use a human review process to read, only accept checked fields of bad records.
Product: Credit card or prepaid card

i was denied credit.....reason>unable to verify credit reference due to security alert...per MACY'S XXXX XXXX XXXX XXXX ,oh XXXX new accounts XXXX..I spoke with  supervisor XXXX...and she also denied my application...i am being discriminated i am being denied credit for an unlawful reason..there is no security fraud alert on my XXXX credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian, XXXX and XXXX to let them know they are reporting incorrect personal information on my report including incorrect addresses, incorrect debts and social security numbers. 
I have asked them to provide me with the following : Any contract or agreement with the original health care provider that grants the authority to report on this alleged debt you must be in compliance with subtitle D of the ARRA, SEC. 13401. Application of security provisions and penalties to business associated of covered entities ; and SEC. 13407 ( 1 ) Breach of security and the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/2009. Under the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) your company will face liabilities if they do not : Provide accurate information Prohibition Prevent reporting information with actual knowledge of errors.

I demanded them send me the following documents : 1. Copies of any agreement with my wet ink signature and a copy of any HIPAA authorization form.

2. A copy of the contract between the collection company, credit bureau and the original creditor with authorization to legally collect and report on this debt.

I requested the verification of a negative item, in pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). They are required under the above named titled and section, to show lawful authority to report and collect on an alleged debt claim ; I requested the following items : The name and address of the original creditor A copy of the original contract between myself and the original creditor.

The original application for this account with my signature.

A copy of the agreement authorizing your company to collected on their behalf of the original creditor.

FULL detailed accounting history on the account and the calculations on how they reached the amount owe.

Provide verification on any judgments connected to this account.

Provide the license to collect and report in my state and registered agent name with their address.

Please show proof that the Statue of Limitations has not expired in my state for this account.

Provide the date of the last payment on this account.

Please provide the answer to this request in writing within 30 days or I will be forced to take legal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter 7 months ago requesting that several creditors be validated and removed. The creditors were removed and then greater than 30 days later the credit reporting agency placed the creditors back on my credit profile. I sent letter informing them that this is illegal and on  XXXX / XXXX /   2017  I received a new report with no change.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  a credit inquiry was made without my consent or notice.   This bank has many complaints of identity theft.   This bank is Barclays Bank Delaware  XXXX   XXXX   XXXX ,  XXXX , DE  XXXX
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX Re : Account Number : XXXX To Whom It May Concern : I am writing to dispute the XXXX XXXX XXXX XXXX account XXXX XXXX, listed on my credit report. I believe this account is fraudulent and does not belong to me. 

I have been informed by external debt collectors that all collection efforts on this account have ceased. As this account is not mine, it should not be appearing on my credit report. The continued reporting of this inaccurate information is causing harm to my credit standing. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. The FCRA requires that you investigate and correct or delete inaccurate, incomplete, or unverifiable information.
Product: Credit card

Key Bank does n't have legitimate credit card customer service. I 'm missing a credit for XXXX on my statement, and do n't know why, and they 're not able to legitimately explain as to why they 're are several debits and credits on my account and where are they coming from. My letter I was supposed to get got lost in the mail or something or they never sent it. It 's XXXX credits for XXXX for XXXX XXXX XXXX XXXX, and XXXX for XXXX from XXXX. They should at least be able to proactively explain why the charges were n't reversed and why you should legitimately received a credit. But I just keep getting transferred between disputes and customer service and nobody seems to care that the proper adjustments that needed to be made as well. A complaint has been submitted at the customer service level and corporate level, but they need to look into this issue and get it resolved ASAP
Product: Debt collection

Complaint : The collection company failed to communicate this debt to me either by mail or phone call. I have NOT RECEIVED any documentation from this collection company regarding this debt. The company went forward with placing this debt on all 3 credit reports. I have disputed this information because I've been a victim of identity theft and have placed fraud alerts on my credit reports. 

Collection company information as it appears on XXXX credit report : CONSUMER ADJ CO Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone : XXXX Account : XXXX Amount Owed : {$920.00} Date Opened?? : XX/XX/2021 ( I'm assuming this is the date it appeared on the credit report ) I have filed disputes with all 3 credit reports. XXXX responded first stating the debt remains on my report. However, I do not owe Consumer ADJ Co. this debt because I have not received any communication from this collection company about this debt. 

File # from XXXXXXXX XXXX investigation : Report Created On : XX/XX/2021 File Identification Number : XXXX Provided by XXXX Consumer Relations
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. XXXX : # XXXX, : XXXX # XXXX, XXXX # XXXX XXXX : # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX 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 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

Credit Karma Emails with wrong information re : my account. 
Today was the " last straw. '' Stated have not used my XXXXXXXX XXXX card in one year. 
I used it last XXXXXXXX XXXX, about XXXX and have a no-interest for a year XXXX XXXX XXXX XXXX. They are consistently recommending weird credit cards and brining up information that is not consistent with my credit history. Thank you.
Product: Credit reporting or other personal consumer reports

I am requesting the removal of fraudulent accounts on my credit report. These accounts were opened without my knowledge or consent, and I have already provided Experian with the necessary documentation to prove that they are fraudulent. Despite this, Experian has refused to act accordingly and remove these accounts from my credit report. 

Background : The fraudulent accounts were opened under my name without my authorization. 
I initiated a dispute with Experian to have these accounts removed, but they closed the dispute without taking proper action. They stated that they could not proceed due to not having a copy of my credit report. 
However, I did not receive clear instructions on how to request the credit report copy, and they made no effort to request this information as they had previously done with my Social Security card when verifying my identity. 
This lack of proper dispute handling is a violation of Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, which states that if information on my credit report is disputed, the reporting agency must investigate and remove the fraudulent accounts if they can not be verified. 
Documents Provided : A copy of my identity theft affidavit detailing the fraud. 
Copies of any other documents Ive submitted to support my claim, including my Social Security card and any relevant correspondence with Experian. 
Issue : Experian failed to meet the requirements of the FCRA by refusing to properly investigate and remove the fraudulent accounts from my credit report. This has led to a negative impact on my credit score and overall financial well-being. 

Requested Resolution : I request that Experian immediately : Investigate and remove the fraudulent accounts from my credit report as mandated by Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act.

Provide me with a confirmation that the accounts have been removed and my credit report has been updated accordingly. 
Provide me with an explanation as to why my dispute was closed without proper investigation, and the steps they will take to ensure that this does not happen again in the future. 
Please take appropriate action in accordance with the law and the evidence I have provided. 

If you have any further information or questions, please do not hesitate to contact me. I expect a timely resolution to this matter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the following accounts have violated my rights, listed below. 

Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # 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. Witch I never in no manner provided to the fore mentioned parties listed above.
Product: Debt collection

I have NOT RECEIVED all of my parts per the contract. I HAVE made attemtps to contact the store via telephone, text, and email amd the XXXX XXXX XXXX XXXX tonwhich they are advertised. XXXX was the one who ensured the part would arrive with the unit it did NOT. My husband was present at the time of transaction and delivery when part was promised and when said part did not arrive I have all attempted call records.I have provided picture of the missing parts. The only 2 options are settle at XXXX and i will purchased the part myself as it isnt cheap or have the company deliver the item and i will resume payments. You are in breach of contract the burden of proof is on you and the store as i have physical documented evidence and pictures. You may correspond via email
Product: Payday loan

I took a loan from " Northern Plains Funding '' for {$500.00}. The monies were credited to my bank account on XX/XX/XXXX. From XX/XX/XXXX, I paid a total to them of {$1500.00}. 
On XX/XX/XXXX, when inquiring about my loan balance, they " offered '' to refinance the " current principal balance '' of {$490.00}. I agreed, with the intention of lowering the bi-weekly payment amount. 
So from XX/XX/XXXX to XX/XX/XXXX, with bi-weekly payments of {$150.00}, only {$6.00} had been applied to the principal. 
Since XX/XX/XXXX, I have paid a total of {$1200.00}. That brings the total amount paid to {$2700.00} on a {$500.00} loan. 

I have since realized the online/payday/tribal loans are illegal in the State of PA where I reside. I have obviously paid this loan in full 5 times over- plus some.
Product: Debt collection

AMERICOLLECT INC is reporting to credit bureaus that I owe them money. I have asked several times to have this debt verified and for them to show me that i owe money to this company. They have failed to so. Despite this request they continue to report this false information. if this is not immediately removed from my credit i will be seeking legal action.
Product: Credit reporting or other personal consumer reports

i am a victim of identity theft someone has used my personal information to obtain goods and services using my personal information.i have sent in all supporting documents to support my cliam on these matters to all XXXX credit reporting agentcies and the fraudulent accounts came back as verfied and accurate.