23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I Have XXXX disputes open with chime on for a cancelled transaction with it works for {$120.00} and another for a merchandise not as described from finish line for {$160.00}. They denied my dispute # XXXX XXXX XXXX ) via email and stated I need to email them request for documents to support denial, which I did, and have still not received reason for denial. I then received a denial for claim # XXXX XXXX XXXX XXXX on XX/XX/XXXX. I called to speak with a supervisor who advised me they can not provide a denial reason and I have to wait 10 days for them to send me an email with the denial docs. Keep in mind this claim was mishandled from the start when I first sent to dispute form over on XX/XX/XXXX. Initially chime disputed the wrong transaction. Instead of disputing {$160.00} from finishline on XX/XX/XXXX, the disputed {$79.00} from XXXX XXXX. No one called to notify me of this error. My daugther 's school account was locked due to non payment and I called them for more information on XX/XX/XXXX. They advised me I dispute my daughter 's tuition payment and thus they sent the payment back on XXXX. I then called chime and was advised they would cancel the dispute, but the {$79.00} from accelus never posted to my account and I should contact XXXX to find out why. Prior to finding out chime disputed the wrong transaction, I did receive a new dispute form on XX/XX/XXXX, but when I called chime to ask why I received it, I was told by the representative that it was sent in error, please disregard. When I called back to advise that the accellus transaction should not have been disputed, I was told to send the new dispute form to start the dispute that should have been started XX/XX/XXXX, and they would close the credit builder card and put a block on my account so itworks could not keep trying to process the XXXX automatic debit. needless to say they cancelled my card to my checking account instead of the credit builder card and I am still getting notices of itworks trying to debit my account. I then received another denial for the XXXX dispute stating my dispute for unauthorized transaction has been denied. I immediately called and advised I did not dispute as unauthorized, I disputed it as merchandise not as described. The rep advised he would reopen dispute and try to cancel closing of my card. He said the case would be re-examined as merchandise not as described. I received a denial on XX/XX/XXXX for this claim again, which is how we ended up here. I feel like this claim has been mishandled from the beginning. I have never been told that a bank could not provide me a reason for my claim being denied. I also still have not received credit to my account from accellus for the {$79.00} disputed in error. I would like this matter reviewed as I am starting to wonder if this is even a valid banking institution based off of the way they do business. Did they receive the credit from XXXX  and take my credit?
Product: Vehicle loan or lease

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.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX, Missouri Laws Dear DP OF EDUC, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically Missouri Revised Statutes, Chapter 570 on Fraud and Identity Theft.

It has unequivocally come to my attention that DP OF EDUC has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically the statutes under Chapter 570, emphasizes the necessity of consumer consent for credit reporting and underscores the severity of unauthorized access and misuse of personal information. These laws are designed to protect consumers from identity theft and ensure fair and accurate credit reporting practices.

I assert with unwavering certainty that I have not provided consent for DP OF EDUC to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and a
n unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that DP OF EDUC immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state laws concerning identity theft and fraud. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that DP OF EDUC will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally request the immediate deletion of an inaccurate and unverifiable account from my Equifax credit report. The account details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Open, Derogatory Upon review of this account, I have identified several discrepancies and legal violations under the Fair Credit Reporting Act ( FCRA ), which necessitate its immediate removal. 

1. Contradictory and Unverifiable Information The account is categorized as " Collection '' but remains marked as " Open '' with a derogatory status. 

There is no " Original Creditor '' listed, leaving the source of the debt unverifiable.

Under FCRA Section 1681e ( b ), credit reporting agencies are required to maintain accurate and complete records. The conflicting details and lack of creditor information render this account unverifiable and inaccurate. 

2. Outdated and Inaccurate Payment Status Reporting The account lists a " Late 120 Days '' status as of XX/XX/year>. Reporting this delinquency past the allowable timeframe violates : FCRA Section 1681c ( a ) ( 4 ) : Adverse information, including delinquencies, must not be reported beyond seven years from the date of first delinquency. 

FCRA Section 1681i ( a ) ( 5 ) ( A ) : Unverifiable or outdated accounts must be promptly deleted.

3. Dispute Notation Without Resolution The account includes the notation " Consumer disputes this account information, '' yet no verification or resolution has been provided.

FCRA Section 1681s-2 ( b ) mandates that furnishers verify disputes or remove unverifiable data. 

The failure to resolve this dispute within the mandated timeframe constitutes a violation of FCRA Section 1681i ( a ) ( 1 ) ( A ). 

4. Date Inconsistencies The account dates conflict : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These discrepancies raise questions about the account 's accuracy and compliance with FCRA Section 1681e ( b ), which mandates precision in reporting.

5. Unverifiable Collection Account The account is identified as being with a " Factoring Company '' with no supporting evidence or validation of the debt. This violates : FCRA Section 1681s-2 ( b ), which requires furnishers to substantiate the validity of reported debts.

FDCPA Section 809 ( b ), which compels debt collectors to validate debts upon consumer request. 

Given the account 's unverifiable status, lack of original creditor information, and outdated reporting, it must be removed from my report.
Product: Debt collection

I owed a debt to XXXX due to a charge that was fraudulent. There was much back and forth between XXXX and myself however they did not side with me in this dispute and sent my account to collections, I paid the collection agency and all was resolved. I heard nothing for many months and I just received and email from Convergent Outsourcing stating that I owe the full amount and that Im obligated to pay 50 % at a sum of {$130.00} instead of the full {$260.00}. I have already paid off this debt and can assure that nothing is owed, however Im still receiving emails but no response from the company to show proof of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

An unknown person opened a credit card under my name with the company Capital One. This was not me who signed up for this card. They spent over the limit on the card. It was opened in XXXX and I figured it out by looking at my credit report with a new inquiry. This significantly dropped my credit score. I called capital one and theyre opening an investigation.
Product: Debt collection

On XX/XX/2021, I stopped paying on the car because it was a lemon. I was harassed about the vehicle and my creditworthiness was destroyed. There was a current balance left on the car for {$8600.00}. I attempted to reslve th
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Lexis Nexis on XX/XX/2021about inaccurate, incorrect information they are reporting to credit reporting agencies. This information was provided to a potential employer and has caused me to not gain employment because of the inaccurate false public information they have on my report. I'm not sure how they were able to provide this inaccurate information becuase I contacted the court and they told me they DO NOT report information to credit reporting or any third parties companies. This is a violation to my right to privacy and I want this information to be deleted from their system and any other agencies such as XXXX, XXXX, and XXXX. This company had no permission to report anything concerning my information. Under the FCRA law no consent is identity theft. It is not fair that you can just snoop around my business that has nothing to do with you. I never asked or gave you my consent written or by mouth to report any of my information. if you fail to comply I will file legal action for XXXX  you have caused me
Product: Debt collection

My first & second mortgage were being modified after my bankruptcy. The same bank held both mortgages. During the modification the second mortgage was sold, but I was told by the bank that the first and second mortgages were combined into one new modified loan. I did not know the second mortgage was sold until month after the modification. When I was contacted by the collection agency regarding the second mortgage I sent a debt verification letter to the collection company, it was never addressed and I had no further correspondence with that collection agency. About two years later I received a letter from another collection agency  regarding the same loan. I again sent a debt verification letter. I received a letter from the collection agency stating it was under review, but still have not received any of the information I requested and am entitled to. Recently I have been thinking of selling my home and found out there is a lien on my home by the collection agency. When I called the collection agency they just transfer me from one person to another, they won't give me a direct answer, tell me they will have a supervisor call me back and they never do. Also, I have recently received statements from this agency and each time there is a different amount owed, sometimes higher and sometimes lower. It has been almost a year since I requested the collection agency to validate the " alleged '' debt with no satisfaction. 
NOTE : Both my first and second mortgages were listed on my bankruptcy which was granted to me.
Product: Credit reporting or other personal consumer reports

To my complete disbelief, I found inaccurate accounts on my credit report this evening, and I have no idea how or why theyre there. I check my report regularly, and never have I seen these kinds of discrepancies appear out of the blue. I even refreshed my browser multiple times, hoping it was some kind of mistake, but the incorrect accounts stayed there. I need the documents Ive sent to be thoroughly reviewed so I can finally have peace of mind that this wont happen again.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Debt collection

Its a {$15.00} charge from XXXX XXXX that has been paid by my insurance company yet they keep semding me letters constantly
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX  XXXX {$3200.00}
Product: Debt collection

Getting calls from a group calling themselves the huntington group from phone number XXXX. Stating someone is trying to take legal action against me. Ignored calls because I felt it was not legit. Looked them up online and was unable to find them. Information I found was through their phone number reverse lookup sites which resulted others sharing experience with them stating they were scammed or being harassed. Ignored the calls until they contacted my step father and were very threatening ( practices used unlike a legit business ). I called today and confirmed my name and phone number, but would not confirm any other information. I requested their full name of the company and their company address, but the represenative XXXX asked why I needed that information and I said to get more information, he told me to hold and I was connected to another individual who immediately told me that they would n't share any information with me unless I confirmed what they had on file in regards to my personal information. I said I just wanted their address and then he started to raise his voice and said he would n't give it so I said I would n't give any of my information because I felt lile their business with me wasnt legit and then he blew up and starting yelling at me. I said I felt this was a scam and to not call me or my family and he said he had every right to contact me and that I need to take care of my " business ''. I replied this is how this company does business? And he continued to yell and repeat himself so I disconnected the call. I just want to know if this.company is legit. They leave voicemails saying legal action will be taken, but I havent received any debt notices by mail and certainly nothing in regards to legal action. I dont like feeling threatened by a company I feel is not a legitimate company. Everything they give is vague and feel theyre trying to fish for information or scam me by paying for a debt I dont owe.
Product: Money transfer, virtual currency, or money service

On XX/XX/19, at approximately XXXX hours, i responded to a XXXX  advertisement selling XXXX XXXX XXXX XXXX tickets. The seller, who referred to himself as " XXXX XXXX XXXX '' and used cell phone number XXXX, told me to use the Chase bank " quickpay '' application to send him the money, and he would then forward me the tickets. After forwarding {$280.00} to his email address ( XXXX ) and bank account, i stopped receiving communication from the seller. I contacted my bank ( JP Morgan Chase ) and asked what they can do to investigate the sellers bank account and they refused to investigate. I thought that since the quick pay was apart of Chase 's application, they would protect any fraudulent activity that occurred on their service.
Product: Debt collection

XXXX XXXX ( XXXX XXXX with HSBC Bank ) sued me for an old debt that I didn't know I could dispute and requested payment of exempt funds ( Unemployment Insurance of the State of NJ ) for approximately {$1000.00}.

It seems to be a fraud among HSBC, their representatives, XXXX XXXX and their people.

This is not a duplicate. My problem had never been solved.
Product: Credit reporting

I have a XXXX XXXX XXXX XXXX XXXX reporting on my Experian Credit Report despite disputing via FACTA, additionally A FRAUDULENT and Police Reported XXXX XXXX Account is now reporting incorrectly on my credit report. I have gone to the Police Department and filed the applicable reports and forwarded to XXXX, Experian and XXXX, Experian is obstinate despite receiving the report in BLOCKING THE ACCOUNT! The account is FRAUD and reported to FTC, XXXX, XXXX and XXXX. It along with XXXX must be BLOCKED! PER FACTA DOES THIS CRA FOLLOW THE LAW?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance wit the Fair Credit Reporting Act ; MN XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + Automotive XXXX XXXX Inquiry fromXX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry fromXX/XX/XXXX + Misc.

XXXX Inquiry from XX/XX/XXXX + Misc.

XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry fromXX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX  Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX+ Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX Inquiry from XX/XX/XXXX + National Credit Cards/XXXX XXXX/XXXX Inquiry fromXX/XX/XXXX + National Credit Cards/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + National Credit CardsXXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + National Credit Cards/XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX  Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX  Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry fromXX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + Finance XXXX Inquiry fromXX/XX/XXXX + Finance