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

I have been fighting to have this off from my credit report, I had done disputes in my credit report and then I had won, they had stated XXXX is being deleted from your credit report and then it also States how they can not reappear onto your credit report again, yet they have. It was a few months after it was deleted it reappeared a few months later. I have then tried to figure out where to go And report because I have the email from The investigation from the credit reporting with all This information about it being deleted and not being put back on. Its illegal. And Im going to everywhere everywhere to make sure they are doing what they are supposed to and deleting it off my credit. Its even more than 7 years too!
Product: Debt collection

I wrote emails to PayPal stating debt was not mine and no one ever responded.
Product: Credit card or prepaid card

I had my card number stolen. Upon speaking to a representative that contacted me they informed me that they would just send a new card and that nothing was ever charged. As a result, there was a charge. Now they are requiring a police report, which was not what I was told. This is a simple lie to a customer and I have it recorded. I am leaving for an extended vacation and they said that this has to be done in two weeks. I understand that the rep was " not trained correctly '' but that is still lying to a customer. 

The representative stated that the charges were all stopped. 

All my cellphone calls are recorded in compliance with Minnesota State Statute.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I received a supplemental tax bill from the XXXX of XXXX, MA. Right after I received the bill, I contacted my then servicer XXXX XXXX to ask if they would pay the bill or if I needed to. They got back to me saying that they will ( I have the the emails ). Subsequently, XXXX XXXX sold the loan to Chase. I recently noticed that the supplemental bill hadn't been paid, and I had now accrued a {$55.00} penalty and interest for late payment. I reached out to Chase, explained the situation and said that they should pay out of my escrow since I was promised that by XXXX XXXX. Had XXXX XXXX told me they would not pay, I would have paid on time. I also told Chase that Chase should pay the late fees since it was not my fault and the fault lay with them. Chase did not review all communication and promises made between XXXX XXXX and me. So this is negligence on the part of Chase. Had Chase told me when they bought the loan that they will either not pay or will take the interest out from my escrow I would have solved it with the city or the city of XXXX, MA. But now the money is out of my account. This is malpractice and negligence on the part of Chase. I also called asked to talk to a supervisor and was told I will be called back. But no one called me back. I want chase to refund to my escrow account the money they paid for the late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

4 Duplicate accounts are showing for Dept of EducationXXXX and US Dept of Education I am XXXX XXXX XXXX XXXX Veteran who has receive loan forgiveness but the duplicate accounts of my credit report for the same exact thing. Also the account status is incorrect US dept of education reflects with all three bureaus XXXX loan assigned to government, Paid collection XXXX XXXX XXXX XXXX government XXXX Loan Permanently Assigned To Government Dept of education/XXXX all the bureaus reflect Account closed due to transfer
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX is showing XXXX XXXX on my Credit report.. I have never had an account with XXXX XXXX and the credit bearues refuse to remove them
Product: Debt collection

I've attempted to contact Equifax asking for proof of this debt they say I owe and they continue to fail to provide proof as required by the FCRA.
Product: Debt collection

For the past 15 years the company Midland Funding, LLC as been updates the dates on a debt that does not belong to me in the first place due to identity fraud. Therefore, when I ask for the contract I sign they send me a 1 page snapshot of fraudulent paperwork that states I owe them {$600.00} which they are trying to pressure me to pay them $ 1200+. As a result, I was waiting for the so called debit to fall off my credit report after 7 years but Midland Funding keeps changing the dates on the debt saying I owe them $ 1200+ to this date which was 15 years ago.
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 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 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: Credit reporting or other personal consumer reports

" The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. ''
Product: Credit reporting or other personal consumer reports

Today, I noticed unauthorized inquiries on my credit report and I have no idea why. I check my report regularly, but this time there were unexpected discrepancies. Refreshing my browser didn't fix the issue ; the inquiries persisted. I request a thorough review of the documents I sent to resolve this issue immediately.
Product: Debt collection

The aforementioned credit collection agency representing XXXX XXXX XXXX XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX  and XXXX. 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX does not have any documentation, they need to retract this from my credit file immediately.
Product: Credit reporting or other personal consumer reports

I am writing to complain to FREEDOM MORTGAGE about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/1974. The FTC report numbers related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the app XXXX XXXX  to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion displays innacurrate employer on credit report. Keeps. reappearing
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed that my personal information was wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX 2022 i contacted this company and requested to have my account closed and deposit returned
Product: Checking or savings account

I feel like im being taken advantage of and being ignored of my disputes. I am not receiving adequate valid verification. I have not received any documentation to corroborate the claim for this negative listing on my Chexsystems report. I am asking to be provided with any and all documents bearing my signature that legally binds and contractual obligation for this account. Absent of these documents you are illegally reporting this negative listing and will be liable to me for the stress this has caused me. Please provide the required documentation or remove this unlawful listing at once. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

On XX/XX/2020 a fraudulent charge for {$1100.00} was made to my Chase credit card for an in-store pickup at a XXXX 500 miles from my home. I locked my card, disputed the charge and had my cards replaced but three weeks later Chase sent me a letter telling me I authorized the charge and put it back on my card. Chase claims to have investigated the charge but XXXX indicates that they have not been contacted regarding the matter. The information from XXXX shows that the order was placed by someone with whom I have no affiliation using a different XXXX account and email address than they have on record for me. This clearly was not researched or investigated adequately, if at all. Now the Fraud Department won't talk to me or return my calls, just get endless phone trees and unhelpful call center staff.
Product: Debt collection

As of XX/XX/XXXX an alleged creditor by the name XXXX XXXX XXXX is reporting an account on my consumer Experian credit report in the alleged amount of {$2200.00}. Experian was in receipt of dispute letter on XXXX XXXX, 2021 @ XXXX XXXX  There is an alleged original creditor listed as XXXX XXXX. Which makes XXXX XXXX XXXX a third-party debt collector. This account is not mine nor is any alleged debt mine, nor do I have any contract to do business with XXXX XXXX XXXXXXXX. I have written a certified mail letter to EXPERIAN and the CFO for Experian to verify the accuracy of the alleged account and alleged debt dated XXXX/XXXX/21 titled " Notice of Dispute Demand for Validation and Proof of Claim ''. As of XX/XX/XXXX Experian has failed to provide consumer with any accurate validation in writing pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681g, I expressed my right to demand that Experian disclose to me all of the documents they have recorded and retained in consumer 's file at the time of request concerning the alleged account that EXPERIAN is reporting on my credit report. Experian can not just reply in writing stating that EXPERIAN has verified any alleged accounts without providing the supporting full disclosure documents of how EXPERIAN has verified any alleged accounts or any alleged debts. I have not seen nor received any documents to support XXXX XXXX XXXX claims, nor any documentation from EXPERIAN for them to be reporting this alleged debt on consumer 's credit profile, which has violated and damaged consumer 's credit worthiness dropping score 92 points. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness, and I will seek damages if they are not removed because EXPERIAN was unable to provide the necessary documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation took more than 30 days. letters were sent out on this date XX/XX/22
Product: Checking or savings account

I received an email and text alert on XX/XX/2024 that a Chime account had been opened associated with my phone number. I did not open this account. 

I received an invite to log in, so I did and changed the password to ensure the person that opened the fraudelent account could not access it. I tried to call the company multiple times to close the account and the customer service line kept hanging up on me. Chime has no web chat or email for help, so it's the phone or nothing. I tried to follow the steps on their help page to close the account online but I do not have that option on the screen where it should be. They have emailed me multiple times about the account and apparently issued me a debit card, and i will keep trying to reach them, but they clearly don't care. There is no money balance in the account. I have also received emails that they are attempting to open a " credit builder '' account in my name.
Product: Credit reporting or other personal consumer reports

This is my second 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$930.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

During this refinance process i have had poor service and communication with Quicken Loans/Rocket Mortgage. I have submitted questions to them and it has taken weeks to receive a response instead of their stated 4 hours. I explained on the app I could not view any action items for me. They said they were there and would re-push them. Days later I could still not see them and they said they were there. I can not complete what I can not see. Finally some random Quicken person called me to START a refi. Clearly I was in the middle of one so this solicitation caller transferred me to some one who could then email me the documents I needed to sign. Which I did manually. 

They say their pending items are HOA and second mortgage holder, both of which i have contacted and still to this day state they have not heard from them. Quicken has been delaying this process and they have not been proactive in following up. 

I just want my refi to be completed asap and now we are another month in so I will make my XXXX payment that I was not suppose to make.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Over the life of my Student Loans through XXXX XXXX and Navient, I have been continuously misslead over Forebarence, repayment structures, and, to make matters worse, I was not informed that my loans did not qualify for the Public Service Loan Forgiveness program established in 2007. I could be qualifying for that THIS YEAR had I known.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I purchased tickets for a concert on XX/XX/XXXX and XXXX using Synchrony Bank via PayPal Credit. Due to the pandemic, the concert was cancelled, and refunds offered. In fact, 6 other concerts for the same band and tour that I purchased through XXXX were refunded. 

I then filed a claim with Synchrony Bank for having not received any tickets, and the merchant letting me know they would not be sent, however they will be offering refunds because the event was cancelled, or account credit for a larger amount than the purchase price. This policy quickly changed, and the offer now is to go to a concert over a year later than originally purchased, or sell the tickets on XXXX, pay fees with the earliest possible date of receiving payment XX/XX/XXXX. 

I filed a claim in XXXX, XXXX, and on XX/XX/XXXX I received a letter from Synchrony/PayPal letting me know they were investigating, and in the meantime they have credited my account during the investigation. 

The amount to be refunded was {$1100.00} ( plus accrued interest ) What happened next was bizarre, I received a letter directly from PayPal stating that they are aware I filed a claim with Synchrony, as such they can not do anything and I should contact Synchrony directly. 

I had done this in XX/XX/XXXX, contact Synchrony directly, and filed the claim. So this is basically going in circles. I have spoken to all three parties ( Synchrony Financial, PayPal and XXXX XXXX  ) 3-4 times apiece, with the common response that my issue isn't there's to resolve, meaning PayPal would say contact Synchrony, Synchrony would say contact PayPal and XXXX XXXX  and so on. Please see attached documentation. I was harmed as a result of both PayPal and Synchrony Financials actions and seek relief.
Product: Debt collection

I spoke to Conns they said they was giving me a good deal on my account and if I paid a few XXXX my account Would show current they would say one thing and do another or debit on the wrong day or get the money from the wrong account the employees did not know how to fix an account when they would promise one thing and do another Conns would call more than. 6 times a day saying one thing and do another when you believe it was resolved the phone calls would happen again billing for wrong amounts or wrong info causing the customer to default on account giving false info to get a payment knowing it would not make the account current only to call back with a different amount a few days later conns would use deceptive tactics to deceive the customer knowing the account was never corrected as promised
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has failed to process or ignores my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

this company did not respond to me in a timely matter I wrote them requesting an investigation into items that I believed were INNACCURATE I havw not received a reply from them or any acknowledgment that an investigation has begun. In my previous request
Product: Credit reporting or other personal consumer reports

Good day, please take this complaint seriously as my life and my future is at stake in here, this has been stressing me out for months because of your continuous reporting of false and inaccurate information on my credit which is a blatant violation and insult to my rights as a consumer. I am getting rejected for new credit applications because of these errors which has been absolutely frustrating.
Product: Credit reporting or other personal consumer reports

I wanted to opt out of the reporting of the utilization of the credit card.Per the law 16CFR313 the Privacy of Consumer Financial Information Rule under the Gramm-Leach-Bliley Act they are violating the law of reporting to a third party.
Product: Credit reporting or other personal consumer reports

I have filed multiple disputes with XXXX, Experian, and XXXX. I have not recieved the results of the investigation. There are numerous discrepancies on my credit report that need to be fixed or deleted. Please assist me by ensuring the bureaus investigate.
Product: Credit reporting or other personal consumer reports

American Express account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In Accordance with 15 usc 1692 c Please Remove account from my XXXX XXXX XXXX