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

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXXXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

9. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

11. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXXXXX Account Number : XXXX Delete this account. 

13. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

14. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

15. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 


16. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit card or prepaid card

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to allow false information on record. Reguarding address, scores, and repeat offenders.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent TransUnion a certified letter XX/XX/XXXX. I have not received any response, yet they have updated the comments on my credit report as " dispute resolved, customer disagrees ''. 

First off- there was no investigation done. Had there been an investigation, I would have been notified and they would have corrected the issue on my dispute letter. 

They are reporting this account and the account is an expired debt- Which is is paid and closed. 
There are multiple FCRA Violations - 1 ) they are reporting a closed account with a two year history of over 7 years old- this needs to be removed. 2 ) they are reporting the payment status as " late 120 days '' - REMOVE this its paid and closed. 3 ) They have a " last payment date '' as XX/XX/XXXX, however they are reporting on time payments in XXXX and XXXX. 
This account is OUTDATED, INCOMPLETE and INACCURATE. 
And they lied and marked the account as " Dispute resolved " when they did not do any investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Experian repeatedly concerning their miscalculation of my credit usage. They are reporting XXXX XXXX credit usage when the other bureaus have it correct at around XXXX XXXX. This is causing my XXXX XXXX to report much lower than it should and hindering my ability to get a loan at the proper interest rate. I would like this to be fixed as soon as possible.
Product: Credit reporting or other personal consumer reports

My identity was stolen my information was compromised is a security breach. I have been dealing with this for some years now and now Im trying to get everything resolved I have sent follow up letters to all of these companies in hopes of some sort of resolution this car loan is reporting on my credit report and this is a fraudulent charge someone got this loan in my name. Also there were other loans taken out in my name as well as credit cards and also a XXXX cell phone account and some collection accounts that appeared out of no where and I have no idea what they are. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 My credit report TransUnion and XXXX  refused to block 2 accounts in my credit report i don't recognize as mines, XXXX  deleted them but not the other ones I contacted the identity theft website of the FTC i followed all the steps sent letters to the 3 credit bureau and debt collector ( XXXX XXXX XXXX ) the amount showed is {$4100.00} and XXXX.
Product: Credit card or prepaid card

Chase has routinely allowed fraudulent charges on my card. When I have disputed them with Chase, chase has automatically denied the claim without doing any of the research. This has happened three times recently, but those are not the only times it has happened. This is a breach contract with Chase, and I also consider this credit card fraud on Chase 's end. They are fully allowing this to happen. I can no longer even use the card due to being fearful of them simply allowing any merchant to charge my credit card for anything, at any time. 

1. On XX/XX/XXXX I made a purchase with XXXX XXXX. They sent me the incorrect item and agreed to issue me a refund if I returned the item. The item was returned and the merchant acknowledged getting the item back but never issued a refund. I submitted a billing dispute with Chase since I never received the CORRECT item that I ordered. Chase simply denied my dispute stating that I checked the incorrect box online stating that I didn't receive the item I ordered, and they showed that it had been delivered to me. I did NOT check the incorrect box online, the merchant did send me something, but it was the wrong item, so I checked the box stating that I did not receive the item I ordered, which I did not. This was even proven by the emails the merchant sent to Chase where they even acknowledged that they had the item returned to them. I was billed {$560.00} for item item that I have never received and Chase mistakenly denied the claim and by the time they admitted their error, they said too much time had passed for them to do anything about it. 

2. On XX/XX/XXXX XXXX charged my credit card for {$180.00} and I have no idea why. I did not authorize this charge nor did I receive anything from them for this charge. XXXX could not clearly even explain to me what this charge was for, so I filed a dispute with Chase. Chase automatically denied my claim, even though I never received anything for this charge. Chase said they contacted XXXX about the charge and they considered it valid, but XXXX stated that they've never even heard from Chase about it at all. Chase simply denies billing disputes rather than looking into them adequately. 

3. On XX/XX/XXXX, I was to receive a {$400.00} refund on a purchase I made of {$1800.00}. XXXX delivered some furniture to me but their delivery driver dropped the furniture and damage the siding on my house. I had it repaired and XXXX said it would be applied to my account but it never was. I showed proof of this charge to Chase, but yet again they denied the dispute even though I had proof of the fee that was to be refunded to me. 

Chase has routinely failed to honor our contractural agreement. They are knowingly and willfully allowing fraud to happen on my credit card without doing anything about it, even though I have supplied more than adequate proof for each of these billing disputes. Chase is knowingly allowing fraud to happen on my card and refuses to do anything about it.
Product: Checking or savings account

On XX/XX/XXXX I did a few transfers out, which exceeded the available balance, therefore I immediately did a transfer back for {$100.00}. to avoid any fees. For some reason the transfer, which was done from USbank 's website took five days. I called to request a refund of the overdraft fee. They responded that I do not have " a relationship '' with them so they can not refund the fee. Yeah, no relationship... It took me longer than a month to open this account because of myriad glitches and mistakes on the bank 's side. Obviously, my momentary mistake, which was not corrected because of their slow transfer process, was much heavier than theirs - making this 'relationship '' much difficult than it should be
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT RI want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. 

EPORT IMMEDIATELY!
Product: Consumer Loan

on XX/XX/XXXX i recive a email from my credit report that my name was reported to the agencies, XXXX, XXXX and XXXX that my account was not paid, on the amount of {$360000.00}, so i receive a letter on the XX/XX/XXXX saying that my insurance pay {$32.00} and my pay off was {$36.00}, on lexus leasing is included and not optional GAP, so on the latter shows that the GAP pay {$360000.00} and my amount due was {$500.00}, which was paid with my XX/XX/XXXX, now for the last 2 weeks i being calling lexus every day to fix, and no one can fix this problem i sent certified mail, fax and spend in numerous hours on the phone try to fix and still not fixed, they ask me to wait 45-60 days to get this solve which its unacceptable,
Product: Student loan

XXXX filed bankruptcy which has made my degree not valid. I have been denied jobs because of this. I have filed a compliant with the Department of Education Borrows XXXX but the case is still pending. I am trying to get assistance with having these loans forgiven based on Case No. XXXX XXXX XXXX. XXXX. ). These loans are also reflecting on my credit report which has a negative impact on my score. Please let me know what can be done about this matter. 

Regards,
Product: Debt collection

On Friday the XXXX of XXXX, I checked my credit score on XXXX and saw that I had a collection against my name originating from XXXX that they had passed to the collecton agency ERC. I had been a XXXX XXXX up to XX/XX/2020. I was alarmed by this and called ERC immediately. At this point I had very little knowledge of collections or what they entailed. 

When I spoke to the ERC agent I stated that I had serious qualms with this bill. In particular, XXXX gave me a plan that was linked to strangers ' accounts without my knowledge. Second, XXXX created an erroneous security question ; they would ask me the name of my first pet but neither I nor my family has ever owned a pet. This incorrect security question prevented me from ever accessing my account, making paying the bill very difficult. Note due to covid, I was abroad with my family and therefore was unable to visit a store in order to get a new PIN or security question. Given the service, I canceled my account. I was given email notices in XX/XX/2020 that I had an outstanding bill and then received no more communication from XXXX from that point onwards. After I received these emails, I did try to pay in XX/XX/2020 but because of the security question, I could not access my account in order to pay it. Since I had no further communications from XXXX I presumed the account was closed and any further bills were voided. 

The ERC, who did not say I could dispute the debt, misleadingly said those were issues to take up with XXXX and were not relevant to ERC. But, of course, it is relevant to ERC because if I want fundamentally to dispute the fairness of the debt, I would have to do so with ERC. Thinking that I could go dispute the claim with XXXX, I paid off the debt as soon as possible, but did not think that paying it off would acknowledge it as fairly describing the situation as one in which I had failed to pay a XXXX bill. I now understand the debt prevents me from having it removed from my credit record.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my XXXX, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$0.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax breach : I used the website to see if I was impacted. I was later informed that the website makes up results. I have not been notified to determine if I was the victim of the breach. I am also concerned about opting into Equifax 's " Trusted ID '' as there may be an arbitration clause I have to sign to get protection. This behavior is unacceptable and such companies should be punished for their lax security and ineffective security and notification measures.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft possibly through a data breech and did authorize the charges that appear on my credit report. I ask that the items be deleted to correct my credit report at the earliest convenience. 

Thank you very much, XXXX XXXX XXXX, XXXX
Product: Credit card or prepaid card

I made an online purchase with XXXX 's XXXX  on XX/XX/20 in the amount of {$150.00}, order # XXXX. I used my XXXX credit card to make the purchase through XXXX. I was charged {$150.00} two times. Both charges posted to my Barclays card onXX/XX/2020. I received only XXXX order. I tried to contact XXXX 's customer service and was not able to get a response to address the issue. In my frustration, I returned the merchandise. XXXX 's sent me an email that they received my return and issued me a refund of {$150.00} on XX/XX/20. I was still charged the duplicate charge. I tried disputing this with Barclays card as the merchant was not helpful and Barclays responded with a letter stating they could not help me. I tried calling Barclays and was on hold for over an hour when I reached a representative who told me that Barclays accidentally charged it twice and they would be crediting the charge and then the same rep told me that I had to prove I didn't make the second charge. I tried to explain several ways that this was clearly a duplicate charge for which I only placed one authorized charge and was still seeking credit for the second charge. I was told a supervisor would call me in 7-10 business days to resolve and I have never heard from anyone since then.

It would appear Barclays did not attempt to address the duplicate charge at all. I have no proof of a second charge as there was no second charge. I only placed one authorized charge and have since returned that merchandise for which the merchant credited me but I was still charged that second charge. 

I have attached the credit card statement showing 2 charges, the merchants email confirming they received my return, the merchants email confirming they issued the {$150.00} for the return, the statement showing the credit of {$150.00} on XX/XX/XXXX and the letter from Barclays that they were not able to resolve the issue. 

I have no documents to show the second charge was credited, because that has yet to happen.
Product: Bank account or service

In XXXX of this year, I opened a Citigold checking account using the promotion code XXXX. The promotion awarded XXXX Aadvantage miles upon completing {$1000.00} in debit purchases and one or more qualifying bill pays in two consecutive months within 60 days of account opening. A copy of the terms and conditions outlining the requirements and bonus is attached. 

I completed the requirements on XXXX XXXX, 2016 and sent a message via Citi 's online secure message system to confirm I met the requirements and will receive the miles. On XXXX XXXX, 2016 Citi responded saying I was enrolled in the promotion, met the requirements, and will receive the miles within 90 days ( by XXXX XXXX, 2016. ) A copy of Citi 's response is attached. 

On XXXX XXXX, 2016, I messaged Citi again to confirm the miles would be awarded by XXXX XXXX, 2016. They responded by refusing to award the miles as described in the terms and conditions despite previously confirming that I am eligible and will receive the bonus. The terms and conditions state I would receive the miles within 90 days ( which would be XXXX XXXX, 2016 ) and Citi confirmed I qualified for the promotion, but the miles still have not been awarded. I feel misled by Citi and believe they are not holding up their end of the terms and conditions of the account I opened.
Product: Credit reporting or other personal consumer reports

i notice a account on my credit report i did not open up i disputed it and its still on their i want it remove immediately i never open or seen this account before
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX from XXXX in XXXX. They arranged financing through their preferred lender, Bridgecrest. ( Bridgecrest is owned by XXXX XXXX XXXX, a XXXX, XXXX -based used-car dealer. XXXX was spun out of XXXX ) I made regular payments to Bridgecrest on the car and paid it off XX/XX/XXXX. I have not received the title and it has been over a year. I have contacted Bridgecrest, XXXX and the NV XXXX multiple times and have gotten nowhere. Bridgecrest states they have released the title twice. The XXXX states that the lienholder listed on the title is actually XXXX and they will not send the title to me with a lien release from Bridgcrest as they have XXXX listed as lienholder. XXXX refuses to address my concerns and instead insists it is the bank, Bridgcrest 's issue to resolve. I have a car that I have spent over {$25000.00} and no tile after a year.