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

I have disputed this account 5 different time and there is no change the in formation is not reporting 100 % accurate per FCRA I have posted proof of inaccurate information either update 100 % correct or remove this item per FCRA
Product: Debt collection

This debt collection agency contacted my job. When asked why they contacted this number the rep stated because they had it on file, I spoke to this company once before and informed them only contact me on my cell phone. When i asked the rep what this call was regarding the rep did not provide information outside of " we are contacting you about a personal matter '' I asked the rep multiple times what this call is regarding because he finally told me where he is calling from and the reason he was calling. When I informed the rep that this is my work line and I can not have personal phone calls on my work phone the rep asked for a good time to call back, i took down the reps name and phone number to call back when i am available. the rep continued to asked for a specific time and day to call back. I told the rep due to my work schedule I can not provide the exact time and date. the rep then stated that he will just call me back at this number. ( after i stated i can face termination for having personal calls on the clock ) The rep hung up before clarifying a good contact number. I am very upset with the lack of professionalism. I also find it very tasteless for a company to be reaching out to collect debts when there is an entire pandemic going on that is putting people out of a job. and to show now regard by risking my job by contacting me regarding personal matters at work. 

the company is blackwater capital the rep is XXXX phone number XXXX
Product: Credit reporting or other personal consumer reports

This is my second time writing this issue. I sent your company a claim last month XXXX XXXX, and I was very clear about which accounts were fake. There are still accounts on my credit report that shouldn't be there.
Product: Checking or savings account

On Sunday XX/XX/year>, I notified Chime Bank XXXX XXXX unauthorized transactions that occurred on my Chime Debit Card totaling {$3900.00}. Chime Bank falls under Banking services provided by XXXX XXXX XXXX  XXXX. or XXXX XXXX XXXXXXXX, XXXX FDIC. The Chime XXXX XXXX XXXX is issued by XXXX XXXX XXXX or XXXX XXXX pursuant to a license from XXXX XXXX XXXX and may be used everywhere XXXX XXXX XXXX are accepted. Please see back of your Card for its issuing bank. 

I found out that the transactions that occurred were made to XXXX XXXX XXXX XXXX a payment processor for XXXX XXXX XXXX XXXX. I notified the merchant to close the account and reported the unauthorized charges and sending all the requested information to the merchant. 

On XX/XX/year> I received an email for Chime Bank stating : " This letter is to inform you that we have made a final determination regarding the claim referenced above. As part of our investigation, a review of our systems was performed in addition to information provided during the claim filing process. As applicable, we coordinate with other financial institutions, merchants, and networks as part of the claim review. 

Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed '' I have requested a copy of the documents that Chime Bank stated was used in determining the final outcome of the investigation.
Product: Student loan

I was a student at XXXX -- and I believe I was a victim of fraud or other violations of state law by the school, and I wish to file a claim for " borrower defense to repayment. '' I was promised a guarantee of what my salary would be and the types of jobs that would be open to me. I have not found any job that pays even half of what I was promised and I am unable to pay for my student loans, my credit has been severely damaged because of this, I am unable to purchase a home, or a car. The entire situation has caused extreme hardship for myself and my wife. I was promised a better life, which the complete opposite has happened after my attendance, we suffer everyday because of my attendance at XXXX. The recruiter came to my home and lied about the school, what would happen and even how long it would take for me to complete my education. 

I attended XXXX at the XXXX XXXX campus beginning XX/XX/XXXX - XX/XX/XXXX My information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone I knew got a car under my name and didnt pay it and didnt tell me and had 5 months of missed payments
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at Capital XXXX on XX/XX/XXXX under the account number XXXX, an auto loan open at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a bankruptcy filed with U.S Bankruptcy Court on XX/XX/XXXX under the case number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX they are reporting inaccurate information to the credit bureaus and I want them to correct it. Last activity was XX/XX/2019 but they were reporting me past due thru XX/XX/2019. This is a joint account with my husband. We are in the process of closing on a home and because of this our credit score is being affected.
Product: Debt collection

this is the situation so i paid off the utitly company the cable company they send to collection to collect a XXXX balance i have try to talk to them for several time about this situation to take this negative mark and they would not take it off till i paid and it show its paid off and they company jnow i had paid them off. so what they are doing its a frandulent act, on my credit report i have talk to them and i ask them and they are not willing to remove this i need some help with this situation.
Product: Credit reporting or other personal consumer reports

Formal Complaint and Demand for Immediate Correction : On XX/XX/scrub>XXXX XXXX XXXX, I filed a dispute with XXXXXXXX XXXX  regarding a charge of {$140.00} by XXXX for ordered items that were not received. XXXXXXXX XXXX failed to resolve the dispute within the legally mandated XXXX timeframe per the Fair Credit Billing Act ( FCBA ). The attached document clearly indicates that XXXX did not resolve the dispute until XXXX XXXX XXXX 

Consequently, under 15 U.S. Code 1666, specifically 1666 ( a ) ( 1 ) and 1666 ( b ), XXXX has no legal right to collect or report the disputed amount of {$140.00} or any associated fees, due to its failure to resolve the dispute within the required timeframe. 

I demand the immediate removal of all fraudulent information from all credit bureaus, including XXXX, XXXX, XXXX, and Innovis. This includes the reported past due amount and any related negative marks on my credit report. 

I reserve the right to pursue all available legal actions against XXXXXXXX XXXX and all other parties involved for their failures and illegal actions in handling this dispute. Failure to comply with this demand will result in further legal action against all parties involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 an inquiry was placed on my credit report that I did not authorize and it is fraudulent, it is in fact hurting my credit. I have tried getting them removed but I have had no success. The fact that it is supposed to stay on my credit report is a violation of my right under the FCRA. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX XXXX, I may presumethat no proof of the alleged debt, not therefore any such debt, in fact exists.
Product: Payday loan, title loan, or personal loan

XX/XX/2022 I purchased XXXX XXXX XXXX who then sent me to Affirm for a loan for the product. Before 30 days, I found out from my dentist that I would not be able to use the XXXX XXXX XXXX and cancelled the product and provided a letter from my dentist. I received an email from Affirm stating that the loan was confirmed but would not be processed until XXXX XXXX starts to process my order, which could take up to 30 days. I cancelled the order withing that 30 days, and have spent the past 6 months fighting with them about not making payments to the loan for the cancelled product. They have emailed, reported late payments to the credit bureau and now sent my account to collections for missed payments, in spite of my continuing to correspond with them about my financial hardship, inability to use the product and ask for assistance. As of now XXXX XXXX has refunded Affirm {$1400.00}, but they have sent my account to a collection agency for {$340.00}, which I do not have. I was told by XXXX XXXX they only deducted {$100.00} for cancellation and {$130.00} for the mouth impression. At this point I have been feeling harassed and distressed about the ongoing correspondence from Affirm, and the negative report to my credit. Can you please help me?
Product: Student loan

I have tried to contact Fed Loans XXXX several times in regards to my student loan. I am a frontline worker, and served in the capacity of such during the pandemic. Although my loan was not needing to be paid on during the pandemic, I still worked for the non-profit during the entirety of the pandemic period. 
I submitted my Public Student Loan Paperwork to Fed Loan Servicing back in XX/XX/XXXX. I have called numerous times to get this fixed. 
I started payments on my loan in XX/XX/XXXX. This means that with the paperwork I have submitted, I should have on record with Fed Loans a total of 84 to 85 payments made. Fed Loans is continuously only showing 61 payments made. This means that Fed Loans is not counting two years of payments. 
I have tried to resolve this on countless occasions by calling. Each call they advise me that they show my paperwork was submitted and that they have it. Only when I do call, I'm told to " Give it a couple of weeks, and it will be taken care of. '' As you can imagine, I checked today only to see that I'm still at 61 payments. 
I clearly can not rectify this by calling or e-mailing Fed Loans Servicing ( MyFedLoan ) since they don't do anything to rectify the problem. 
I don't know that I have to do to get Fed Loans Servicing to count my Public Student Loan Forgiveness payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive spoken to Santander many times about removing a late from XX/XX/2022. They have said on multiple phone calls I made all my payments and they do not know why its reporting late. The most recent call XX/XX/2022 I spoke to XXXX # XXXX at XXXX. XXXX said she does not see why its reporting late in XXXX as she can see payments were made. No one submitted this to be reviewed to the credit escalation team that she could see, which is what I was promised on a previous phone call. XXXX said it takes 3 business days to respond, once she gets the response she will be giving a call. The conversation where they guy didnt send it to credit escalation was in XXXX. I asked if there was something she could send that would explain it shouldnt be late in writing. She will give an audit number in 3 business days. XXXX XXXX is when the call back was scheduled to happen. I did not get a call back, its still reporting late. Santander was sued for doing this to people and they are doing it to me as well. You can have them pull the call with XXXX to hear her promise to call back and she didnt as well as hear her say it shouldnt be reporting late.
Product: Prepaid card

This is multiple dates, but from XXXX XXXX, everyday just about, I purchased at a total of {$280.00} from XXXX different transactions on products and shipment from a company called XXXX. But due to the company under investigation, they havent been at work since XX/XX/2024. I have requested refunds multiple times from the company, but they refused to give it to me, responding, you will have to wait until we go back to work, which I feel wont happen anytime soon. Its been XXXX months since this issue happened. So, I went to cash app to dispute all my charges. I went into so much detail, even went into full detail that wasnt even that necessary, and still get denied. I ask for documentation, and the documents doesnt tell me why its denied. Theres even a document that they sent that was unrelated to the company, or my account. They sent documents about a cosmetic company I never bought from, and it wasnt even my card number. Then, I went to the XXXX they did not do anything either.
Product: Credit card

I filed a dispute with Discover Card for item I didnt receive. Discover card stated denial for it charge being valid. I called and refiled dispute as merchant ( XXXX ) wouldnt help with refund despite provisional refund but then retracted and said item I pre-ordered earlier this year wasnt XXXX guaranteed. Seller didnt state when they would ship, refund and on XX/XX/23 stated via XXXX message sorry I dont have it. I sent order, messages and made a formal dispute letter with Discover. Discover still denied my dispute. I just received an email message today my dispute was denied. Discover card wanted a letter Im due a refund. Seller didnt try to even notify when they would ship as they never had the item as they messaged me that. I filed a complaint with FTC, contacted XXXX seller and Discover card. I even contacted Discover and have messages about concerns this wasnt properly investigated as they asked me for a tracking number. I dont have one as seller never followed FTC rule to contact me if theres a delay if I want to wait, when they would ship or refund. Discover card I dont feel made an effort to help me with this. I even sent messages I talked on chat with XXXX on XXXX about not getting items and he acknowledged. I have reference numbers of talking with representatives from XXXX and it didnt matter. Discover card wants a letter that Im due a refund. I call XXXX and all they sent was purchase order and that shows it was paid for but not shipped. XXXX will not cooperate so Discover card stated insufficient evidence. The seller clearly didnt ship item and will not refund me. Discover Card did not mail me evidence of why they denied my dispute twice. I paid XXXX for items never even shipped. I feel scammed and FTC rule was not followed abs Discover card will not help.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX
Product: Debt collection

According to the FDCPA I'm entitled to XXXX XXXX  per violation and clearly they violated my rightsXXXX with the account number XXXX was paid as agreed on time. I was never late on this account. I tried disputing this account multiple times now but EXPERIAN and XXXX still reported it as NEGATIVE on my current or new report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am very disappointed with my credit files, XXXX XXXX, XXXX XXXX and Experian XXXX. My credit score is creeping up XXXX point at a time. I am very discouraged with negative items that are still not verified by the credit bureaus, past seven years and then re entered into my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very XXXX for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law.

XXXX- Late 120days I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Product: Credit reporting or other personal consumer reports

I recently reviewing a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove this account from my report, they are hurting my ability to obtain credit.
Product: Vehicle loan or lease

This company is reporting and attempting to collect an alleged {$7700.00} deficiency balance. Please be advised that I dispute the legal validity of the alleged deficiency balance. They are attempting to collect a deficiency balance that I am not obligated to pay. Specifically, they have not provided me with the required notices before disposition of collateral and explanation of calculation of deficiency as required under the law. As per the law, cease and desist all collection activity, including all credit reporting.
Product: Vehicle loan or lease

In XXXX of 2023, an unfortunate car accident resulted in the total loss of my leased vehicle, which had been in my possession for less than a month. Following protocol, a letter of guarantee was promptly issued by Kia and forwarded to the insurance provider, XXXX, outlining the necessary payout amount for the loan. XXXX duly honored the letter of guarantee, remitting the specified sum as per the directive. 

However, complications arose months later when Kia communicated an unexpected deficiency of just over {$9000.00}, attributing it to an error in the initial letter of guarantee submitted to XXXX. Regrettably, by the time the corrected version was dispatched, XXXX had already closed the claim, leaving the residual amount unresolved and ultimately the responsibility of myself, the leasee. 

Despite diligent efforts to rectify the situation, including appeals to both Kia and XXXX, the matter remains unresolved. Persistent attempts to reconcile have resulted in a frustrating cycle of inconclusive dialogue, leaving me caught in the middle, grappling with conflicting accounts from the respective parties. 

It's particularly confounding given that I had a trade-in valued at just over {$7000.00} at the inception of the lease, casting doubt on the substantial discrepancy in the outstanding amount owed. The prolonged ordeal has not only adversely impacted my credit score but has also escalated to the involvement of a debt collection agency.

In light of these circumstances, it's imperative for a swift and equitable resolution to be reached, safeguarding the individual from unwarranted financial burden and undue stress. Efforts to mitigate the fallout of this dispute have thus far proven futile, underscoring the urgent need for decisive action to address this persistent and distressing predicament.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did it provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. These transactions are not related to any of the previous transactions by me the consumer. 
Account name -BRCLYSBANKDE Date of INQUIRY XXXX Actions taken- identify theft report filed, multiple disputes filed with both lender and credit bureaus. I am requesting under the law that this account be removed and blocked from my consumer report four business days from the reception of this letter