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

Recently I did an investigation on my credit report and found several billing errors on there to be inaccurate. 

violation of 15 U.S. Code 1666 ( b ) billing error Please remove the following items from my credit report, immediately : XXXX * XXXX  {$1500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX [ this account is settled and paid ] XXXX {$3800.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX {$3700.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX {$410.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX XXXX  XXXX {$6800.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX {$79.00} Account info Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Creditor : THE XXXX XXXX {$4500.00} Account info Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX BANK {$4300.00} Account info Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX {$6800.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX {$3700.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX  {$410.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX {$79.00} Account info Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Original Creditor : THE XXXX XXXX {$4500.00} Account info Account XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX BANK {$4300.00} Account info Account number XXXX Date opened XX/XX/XXXX XXXX XXXX {$6800.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX {$3700.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX  {$410.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX XXXX {$1500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX {$79.00} Account info Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Creditor : THE XXXX XXXX {$4500.00} Account info Account number XXXX Date opened XX/XX/XXXX PXXXX XXXX XXXX Original creditor XXXX XXXX BANK {$4300.00} Account info Account number XXXX Date opened XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I already contacted the XXXX bureau and spoke with a representative who refused to removed reinserted information based on the error they made on my report and they ignore my concern after numerous letters and phone calls. I had no written notification regarding these inquires The hard inquires I'm concern about is XXXX XXXX, XXXX XXXX and XXXX. I would like these to be permanently from my credit report. Please look into my issues that is real concern to my credit. Thank you.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts and information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Credit reporting, credit repair services, or other personal consumer reports

Somebody has my information and has used it to open several accounts in my name and inquiries in an attempt to open more accounts. I have not given anyone my permission to use my information and all of these accounts are fraudulent. I have provided the credit bureaus and the creditors a copy of my Police Report iD and social security card to verify my Identity. The credit Bureaus still continue to report these fraudulent accounts. XXXX acc # XXXX was opened XXXX XXXX for {$11000.00}. Two accounts with XXXX XXXX opened XX/XX/XXXX and XX/XX/XXXX acc # XXXX for {$3000.00}. & # XXXX for {$99.00}. XXXX XXXX XXXX XXXX # XXXX opened XX/XX/XXXX for {$920.00}. Two accounts with XXXX XXXX which is a collection company for XXXX XXXX XXXX acc # XXXX opened XX/XX/XXXX for {$1000.00}. & # XXXXopened XX/XX/XXXX for {$660.00}. XXXX XXXX a collection company for XXXX XXXX XXXX XXXX XXXX  acc # XXXX opened XX/XX/XXXX for {$41.00}. There are also a number of inquiries that were made two to XXXX XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX ; XXXX on XX/XX/XXXX ; XXXX  on XX/XX/XXXX ; XXXX XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX  on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX
Product: Debt collection

Repeated collection calls, I have told them several times that they are not calling the right number, and they still keep calling me. The debt belongs to a relative, and the representative told me I needed to talk it up with that relative if I wanted them to remove my number from all collection activity.
Product: Credit card or prepaid card

I am complaining today against Citicards cause I had a fraud claim with them in reference to multiple charges done to the account. I was credited for the charges and also sent confirmation that some of the charges the credits were permanent. I then logged in to my account and noticed that i was rebilled for the fraud. I then contacted the investigator and she told me that she has denied the claim due to charges to XXXX XXXX the name the reservation was under was not my name and i did not allow anyone to charge these charges on my account. The representative was really rude and i requested for a supervisor to call me back and was unsuccessful in receiving any calls. I am attaching were they sent me mail stating the credits were permanent and then she told me that it was denied. I am not going to pay for charges that were fraudulent and this is illegal through the fair credit billing act.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX, has violated my rights. I sent a debt validation letter to them in XXXX. Its been 45 days and they have yet to send all the requested documents. They are violating my rights. There has been no document presented to me proving that I owe the alleged debt nor that I have even engaged in doing business with them. The date opened, comment, and last active dates are inaccuate when comeparing my XXXX and XXXX consumer reports. There's different information on each one. This is also a violation. Having this inaccurate item on my consumer report is negativly impacting my ability to secure credit and loans. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I sent {$5000.00} to get double the money back to me. Here is the promise that explained to me. 

It's XXXX XXXX, they work under banking and we have a Company accounts Im also a online advertising marketers so I also get my salary, they trade XXXX and they need more than {$30000.00} daily. So they giving out basically free money and using it as a tax write off before tax seasons to be eligible for certain tax breaks as a XXXX  XXXX company. They dont really lose because they get most of the money back during tax time by writing it off as charity expense They doing this to help people, and have those same people help promote the brand while getting paid to do it.. 
Then I was given this number to send money XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
But not only I havent received any money but I also asked them to return my money back and they promised to do so but his bank Nevada state bank refused to return the money to me and my bank XXXX couldnt help me to aske the bank to release the money to return to me.
Product: Debt collection

On XX/XX/XXXX, at approximately XXXX, this debt collector called regarding a debt to a payday lender called " Ace Cash Express ''. They also contacted my sister and have made repeated attempts to do so, leaving voicemail messages. This particular voicemail message, however, provided my sister with a link to enter an account number and my zip code. Therefore, my sister was given complete access to the confidential information, including the amount they claim they are owed, as well as the original creditor, etc.
My complaint involves repeated contact and voicemail messages with me and my family members, as well as unlawful disclosure of the debt they are attempting to collect.
Product: Checking or savings account

I am living in XXXX on XXXX XXXX XXXX as a XXXX XXXX working for XXXX XXXX XXXX XXXX XXXX ( XXXX ). There are no Chase Banks here on base ; only XXXX XXXX XXXX XXXX and XXXX XXXX. I needed to purchase a cashier 's check in the amount of {$27000.00} oddly enough to pay off my debt. I called Chase Bank on XX/XX/XXXX CONUS time which was my XX/XX/XXXX. I asked the call center rep if Chase could authorize an increase in my debit card purchase limit so I can purchase the cashier 's check. After being transferred to several people I reached a higher tier technician that was able to increase my debit card limit for 1 business. I specifically asked the gentleman if there will be any commensurate fees associated with my purchase and he stated that there will not be ; knowing I was going through XXXX  for the check.

I logged into my Chase Bank account today and saw my balance as being -XXXX. Chase charged me 2 non-ATM cash fees of {$410.00} each totaling {$820.00} on XX/XX/XXXX. Needless to say I was horrified!

I called Chase immediately and spoke to 3 people ; the last being a manager named 'XXXX  '. She stated that when I opened my account with Chase close to 20 years ago I signed a memo that states if I use a non-Chase ATM, I would be charged. That is specifically why I asked the technician on XX/XX/XXXX if there would be any associated fees and once again, he said no. The most XXXX   could do was courtesy waive {$34.00}.
Product: Vehicle loan or lease

I have fallen behind on my car payments due to my husband ( who is also on the loan ) becoming XXXX and has been XXXX  for several months. He is XXXXXXXX XXXX XXXX and able to work at this point in time and can pay the car payment with my salary but I am behind and the payment is too large to catch up in 30 days. I am not eligible they stated for a hardship or payment plan till at least one payment was made. I explained the situation and when I would be paid next as well as offered to give them what I had to my name at the time, and I was still told they couldn't help till the payment was made and to call in then. 

Also they have restricted my access to make payments and or see how behind I am online and my app, I have to call them which can be difficult when our cell phones get shut off due financial difficulties right now and I work from home so the internet comes before our phones. I have also explained this to them and seems this is just how it is.. it has me very stressed not having visual of what I need to catch up.
Product: Credit reporting or other personal consumer reports

I found out that my identity was stolen and my accounts were used in fraudulent activities online. I immediately reported this to the company and bureaus. I even called and requested for XXXX today to kindly delete and close the account that got compromised but they insist on keeping it on record for 7 years. That is very unfair. The account is fraud and I request for it to be closed and deleted from my credit reports. I am willing to pay the dues if I have to, but please delete this asap. I expect nothing more from XXXX because I now know how inconsiderate they can be, so yes, if they want my money, just take it, but delete this account from my credit reports. Here 's the fraud account info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the XXXX 's Metro 2 Compliance standards, then I contest the reportability of any such claim. The XXXX 's XXXX stipulates that " '' ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' '' Therefore, it is imperative that you accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested. 

The FCRA mandates that XXXX promptly investigate and rectify the issues raised in this communication within four business days from the receipt date, as stipulated in 605B ( a ). Attached are relevant sections of the Fair Credit Reporting Act, namely 605B ( Block of information resulting from a Data Breach [ 15 U.S.C. 1681c-2 ] ) and 604 ( Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ). I did not authorize these actions, constituting a breach of my privacy rights. Kindly scrutinize the listed accounts and inquiries, taking immediate corrective action based on your findings or for non-compliance. Per FCRA, XXXX must liaise with the creditor and validate the item within 30 days or remove it. I have submitted an affidavit affirming clear instances of fraud and unauthorized inquiries in my credit report, urging prompt resolution to avoid legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section XXXX XXXX a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed fraudulent accounts on my consumer report. The major 3 credit bureaus, XXXX, XXXX, and TransUnion are not upholding the law with 30 days to comply. I've sent in disputes and they're not responding to the investigation. I have not received investigation status or results.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX ACCOUNT # ENDING IN XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have posted to my credit file. On a few separate occasions I have disputed with all three credit bureaus Equifax, XXXX, and XXXX  pertaining to a credit card with XXXX, Account # XXXX for the date of last activity, payment history, status and the dispute was returned verified. After some further investigation on my part, I am also concerned that this account and the reporting to Equifax, XXXX and XXXX  are inaccurate. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XX/XX/2009 ), this Notice includes : Identification of the specific information being disputed XXXX, XXXX  and Equifax reporting for Account Number : XXXX Basis for the dispute : The monthly payment, open date, high credit, last reported date, date last active, date of last payment and payment history are different and inconsistent between the three credit bureaus.

Supporting documentation : I have included the excerpts of my credit reports showing how this accounts is being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX spoke with XXXX in C/S dispute area of Equifax XXXX after holding over XXXX minutes XXXX XXXX day I received an email from Equifax with a confirmation number. 

Every time I tried to access on line to see my updated info I was locked out by Equifax. 

Called again a couple of days later, after about XXXX minutes of being on hold a representative answered and I was immediately disconnected from the call. 

Called back a little while later and the automated system cut me off. 

Called back today and the automated system cut me off. 

I can not access my dispute on line because I am locked out and I can not reach them on the phone because I " mysteriously '' keep getting cut off.
Product: Mortgage

I received a XXXX in XX/XX/XXXX & XX/XX/XXXX from TD Bank with an incorrect address for my property located at : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX ( previously XXXX ). 

I've been working with XXXX XXXX, Manager ( XXXX, CT ), XXXX XXXX, XXXX XXXX & XXXX XXXX, Regional Manager (  XXXX, CT ) since XX/XX/XXXX to correct the issue. As of today ( XX/XX/XXXX ) I have been unsuccessful.
Product: Debt collection

This occurred in the year of XXXX, when a pre approval came to my po box XXXX XXXX Texas XXXX or XXXX XXXX XXXX XXXX Arkansas XXXX it was from Prosper Marketplace or Prosper.When I called the number to see was it legit in this matter the representative stated at the time it was, so I proceed to see what was this about, so when it occurred it would not take my SSN for the process of this matter to proceed.What the representative did to proceed in this matter I have no ideal, all I know it would not take my SSN at that time, somehow how anyone got off into my account I do not know in this matter.After 10 months of learning in this matter I filed a police report XXXX, Federal Trade Commission Report XXXX, and an IC3.gov complaint as well.This occurred in XXXX XXXX and the reported in XXXX of XXXX after learning that there was no loan in my name by there verification department on or about XXXX XXXXMy identity was changed in the year of XXXX while I worked for the well known company after being laid off for a week.I will not be held accountable for anyone who went into my account without my permission or will I be responsible for anyone I did not give permission to go into my account when all of this occurred to change anything about me..Now after 5 years here come this unknown source Spring Oaks Capital trying to collect a debt from XXXX XXXX XXXX XXXX XXXX the account was not with the XXXX XXXX XXXX XXXX  at that time.It was associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.I have no affiliation with XXXX XXXX XXXX  according to the documents they receive this information on XX/XX/XXXX after filing police report, federal trade commission report , and IC3.gov report.This has been an overwhelming process for the last 6 years trying to fight for my identity to keep my name clear of any illegal matters as well as both my daughters in this horrible tragedy.When this also occurred my daughter was on my account.I have been fighting for my identity since XXXX XXXX, when my identity was changed on a job at that time.My name has been put on several documents where I have not received any documents where I physically signed my name to any documents from any source of entity.On this day of XXXX XXXX the validity of the amount was disputed before XXXX
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 XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$1900.00} and XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information is reporting incorrectly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX