23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2020 I sent a dispute letter to Debt Recovery Solutions and all 3 credit bureaus regarding a collection/charge-off. XXXX  has since deleted the account from my report while the other 2 bureaus are still listed. It is well over 30 days and the account still hasn't been updated or removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX difference and I just can not understand why. Can you please investigate as to why Equifax? Same information supposes to have same score.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have contacted XXXX and notified them to dispute INCORRECT late payment ENTRIES on my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. I had asked them to investigate the following information and correct the inaccuracies at their earliest convenience as these account has never been late.

Details of Disputed Accounts Entry : 1. XXXX XXXX XXXX Account Number : XXXX Date reported late : XX/XX/year> XXXX. XXXX XXXX XXXX  Account # XXXX Date reported late : XX/XX/year> I have reviewed my records and confirmed that the payments on both accounts was made on time. I appreciate your PROMPT attention to this matter and look forward to your response within the XXXX period required by law.
Product: Credit card

On XXXX XXXX, XXXX a representative from Chase had pulled all XXXX credit bureau without my permission, and I had an associate and a supervisor to inform me that Chase has that right within their Terms and Conditions. However, Chase 's terms and conditions does states that Chase does has the right to pull all XXXX credit bureau. On the other hand, the terms and conditions do state that Chase must provide me with the credit bureau 's name, address, and phone number to which Chase is obtaining my credit score. Chase sent a letter on XXXX XXXX, XXXX only requesting to pull from XXXX and not from XXXX and XXXX. Thus, on XXXX XXXX, XXXX the credit inquiry for XXXX is perfectly fine ; however, I would like the inquiries for XXXX and XXXX to be removed from my credit report as a hard and soft inquiry. In addition, I tried to explain to XXXX XXXX with Chase that this wrong on the part of Chase, and Chase should honor their terms and conditions. Because Chase used the terms and conditions to explain to me about obtaining all three credit bureaus, but once I pointed out that their terms and conditions do state that Chase must provided me with all credit bureaus are pulling my credit score. Furthermore, XXXX XXXX with Chase is going to say " if Chase request to have inquiries removed from XXXX and XXXX that my Credit Limit would be lowered. '' Now, how is you threaten my credit limit for the Chase XXXX Credit Card when XXXX has the highest credit score in the first place. In addition, Chase sends a letter stating the inquiry process was invalid, and I still requested from XXXX XXXX to remove inquiries based on their research. Yet, again XXXX XXXX refuses to remove the inquiries from XXXX and XXXX ; however, The Georgia XXXX XXXX XXXX and as a letter from XXXX say that a consumer reporting agency must provide me with all credit bureaus to which they are trying to obtain my credit score. Thus, I am requesting to have the hard and soft inquiries from XXXX and XXXX, and to keep my credit limit at {$4500.00}.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not 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 being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not related to any transaction by me the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the company to pick up the car since the start of car buying overcharged XXXX per month in interest also credit bureau payoff and principal balance are all three different amounts. Payoff is a markup of {$300.00} from principal balance owed. XXXX has offer a fair selling price offer included in this complaint. I have had the car for two Years only paid {$2000.00} in principal. Not sensitive to the pandemic
Product: Money transfer, virtual currency, or money service

On XX/XX/year> someone was able to get onto my cashapp account and move money around my account and able to send money to another account. they sent money to a " XXXX '' as it appears on the statement but the name changed multiple times between XXXX and XXXX. In XXXX whenever saw the transactions there was a different name. When i tried to report the charges to Cashapp the accounts name had changed to " XXXX XXXX '' then it changed to " XXXX '' at the time the statement was created. This person sent money to the account on 7 occations ranging from $ XXXX {$15.00}. I reported all of these transactions to cashapp and they investigated. they began sending the payments back and refunding the money as fradulent. after the 3rd repayment they said that the rest of the transactions were not fraud and that i had violated their terms and conditions. I have chated multiple times to ask why this had happened and why my account had been closed and the person on the chat always says they dont have access to that information. In XXXX i tried to appeal the account closure but after it was reviewed they still have the account closed. they only thing anyone can say is that its closed because i " violated terms and conditions '' and they send me this huge terms and conditions of cashapp pdf. they can not tell me how or when or what caused the terms violation. I am still owed 4 payments from when the money was sent to a fradulent. They repayed 3 of those but left the rest and said i violated the terms and conditions. How can they determine 3 of them to be fradulent but the rest not fradulent? that makes no sense. the money was all sent to the same person and they deemed it fradulent on the first transactions but said the rest wasnt fradulent. Its very obvious this account was fradulent as the name changed multiple times in a month. Attached is a copy of the statement with the fradulent charges on it from XX/XX/XXXX. I have screenshots of the conversations ive had with cashapp but i can not get them to upload to this complaint.
Product: Debt collection

A Debt Collection agency began to insistingly calling me from about three months ago. When I spoke with a representative, I informed him that I denied any debt and they should stop calling me. They continued calling and leaving messages on my answering machine. I called again and left a long message detailing my identity and prompted to denounce then if they did n't stop harassing me. On another occasion one of the agency 's employee tried to secure my address info by lying being needed by the XXXX company. Although I immediately hung-up the phone they continued to leave messages on my answering machine. At one point I began to doubt if this was a scam to get some vital info from me, since they always asked me to tell them my 4 last digits of my SS card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX XXXX that was in collections with XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. I paid a settlement amount of {$630.00} to them to settle out the account ( Ref # XXXX ). My representative is Mr. XXXX XXXX at extension XXXX. I paid this amount on XX/XX/XXXX and they were supposed to report this as settled but they just took it off the existing amount and failed to settle the account. I spoke to Mr. XXXX on five different occasions to solve this issue but they are refusing to do so. I have a letter from Mr. XXXX that in fact shows the account is settled but the credit bureaus will not update it as settled but they continue to show a remaining balance. I have disputed this with them at least 5 times but it still comes back each time as verified as accurate but it is not accurate. When you call XXXX XXXX to speak to someone about the account on their end it refers back to XXXX XXXX XXXX XXXX XXXX and back to Mr. XXXX. I am sick of this run around and I need them to settle this account which I have already paid for.
Product: Credit card or prepaid card

Got a text from a bank company asking g if it was fraud but I don't even have a bank account with the bank
Product: Debt collection

Dear XXXX / XXXX XXXX XXXX ; Balance for {$57.00}? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Mortgage

This is a contnunation of the previous complaint filed with you on XX/XX/XXXX. # XXXX-XXXX. That complaint was with XXXX which is the tail end of this whole situation. Originally XXXX XXXX XXXX XXXX. approved a HELOC in the amount of {$46000.00} on XX/XX/XXXX. Loan # XXXX. The only payments shown on the payment history provided by XXXX, account # XXXX, were in the amount of XXXX from XX/XX/XXXX to XX/XX/XXXX. However, XXXX did not receive this account as delinquent until XX/XX/XXXX. I believe the reason for this action and no record of these payments, being taken 8 yrs later is because, initially I made at least 5 yrs worth of payments to the mortgage servicing companies but my loan was transfered several times during this period. XXXX XXXX XXXX  XXXX. was sold to HSBC XXXX XXXX XXXX, XXXX, VA. Account # unknown because Hsbc filed bankruptcy and have no record of this loan. Then my loan was serviced by XXXX during that time but in XX/XX/XXXX, the District Court of XXXX found that XXXX XXXX XXXX was found negligent in their servicing practices and was ordered to pay {$30.00} XXXX dollars in various types of relief to the borrowers that were paying on their loans from XX/XX/XXXX to XX/XX/XXXX. Again, there is no record of the payments that I made other then what XXXX provided. But also during this time period, After HSBC went bankrupt, my loan then became serviced by XXXX XXXX, whoever they are, but they also have no record of this loan or any payments made. I don't know what happened to this loan anywhere that I can find but there is 6 pages of what was recored with the XXXX County Recorders Office in XXXX XXXX, CO. BK XXXX, PG XXXX. This filing did not include any of the details of this loan. The only verification of the terms of this loan were provided, with your previous help, by XXXX who has since been bought by XXXX. And it was unfortunate that I had to contact your office to even see what thus loan consisted of and it's terms. Had I been made aware of any of this I would not have let this loan default to become property of XXXX to collect this debt. As you might recall, during this whole time period, there were many scams and scandels confronting the mortgage industry. I don't know if I was a victim of this. I am filing a claim against XXXX along with the thousands of others to see if I was in fact this had any bearing on how my loan was handeled. The original property that was used as collateral for this HELOC is presently in litigation for other reasons. However, the findings from this complaint could determine whether I have to let my home go into foreclosure or if I have to file bankruptcy. Thank you for any help you are able to provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was never late on my XXXX XXXX XXXX XXXX XXXX, the buyers bank was the issue and I shouldn't be shunned for it ; considering I received a letter from buyers bank explaining the situation ... Problem never fixed despite substantial proof on my side. 

XXXX XXXX XXXX needs to be addressed and verified and validated and no knowledge of whats going on there as you'll see in my letter ( s ) addressed to the bearus ; something needs to be scoped out before it reflect on my public report! 

I'm disputing multiple items and DEMAND to be TREATED FAIRLY under the law and per my rights as a consumer! 

I AM PROVIDING MY REAL-ID and do not want to be sent a letter describing they can't look at anything due to no Social Security Card ; that's provided to the DMV in order to receive the REAL-ID
Product: Credit card or prepaid card

Credit Card Due Date is the XXXX of each month, I made a payment on the XXXX to keep the account current. On the XXXX of that same month, I paid the entire balance off. The credit card company charged me interest on the prior balance for the entire 30 days on the next billing cycle. 
When I contacted the credit card company and explained they stated that they charge interest on the balance for the entire XXXX cycle, I explained that interest should only be charged from the XXXX to the XXXX when I paid the balance off. 
I tried to escalate internally but and reached a supervisor, this individual did not help, when I asked to file a case to have this reviewed they stated that there is no case to be filed. I asked to speak to their supervisor but was told that they do not have a supervisor.
Product: Money transfers

On XXXX/XXXX/2015, I sent money through Moneygram to my brother in XXXX XXXX XXXX for my mother and family for the XXXX holidays. As of today, Moneygram has not released the money, ruining my family 's XXXX holidays, etc., saying that our names are XXXX names and that my brother in XXXX, which is a very peaceful country, may have XXXX. They say the transaction is under review but they have not been able to provide me with details of the review and evidence that his name is tied to some organized extremism when I ask. I have asked for a refund several times to send the money directly to my sister or mother but they refused. Reps I have spoken with have given me numbers inconsistently for my brother to call from XXXX, but those numbers do n't work and Moneygram agencies in XXXX are unable to call for him, citing link issues. I have asked Moneygram to call my brother directly to obtain whatever information they need but has refused to do so thus far. I need my money with interest and compensation for all the calls to and from XXXX. Thank you for your assistance and cooperation. 
XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my 9th 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 accounts 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 accounts. 

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

I was looking over my credit report and noticed an account with acima digital acc # XXXX that doesn't belong to me. it is now being reported as closed and im owing hindering my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
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 TransUnion credit bureau 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 items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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

On XX/XX/XXXX, I wrote to LexisNexis Consumer Center and requested a security freeze be place on my Consumer Disclosure report. I also requested to opt out of LexisNexis disclosing future information until further notice including the C.L.U.E report and other reports furnished LexisNexis regarding all personal information of mine to credit bureaus and creditors, but also future potential employers until I lift this restriction. Finally, I requested LexisNexis to send me a FREE copy of the information you are reporting about me as of the date you receive this request. In my request, I provided my Driver 's License Number and Social Security Number as well as my Name, full date of Birth and Address, and also enclosed a copy of my State issued Driver 's license and Social Security Card. This request was mailed via certified mail. On XX/XX/XXXX. LexisNexis wrote back indicating that they were unable to process my request as they were unable to " authenticate me '' with the information I provided. 

Most recently, on XX/XX/XXXX, LexisNexis wrote back to me again indicating they were not able to authenticate me but were able to opt me of prescreened offers which is not what I requested. 

I am attaching LexisNexiss response as well as the original correspondence sent to LexisNexis which, again, included a copy of my drivers license copy of my State issued Driver 's license and Social Security Card as well as the number printed on it. This is idiot proof information that is plain and visible.