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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX SVCS, XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX. Balance : - ; XXXX OF XXXX XXXX XXXX .... Balance : - ; XXXX XXXXXXXX .... Balance : XXXX ; XXXX BANK XXXX XXXX .... XXXX XXXX {$870.00} ; XXXX OF XXXX XX/XX/XXXX; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX If 3 credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card or prepaid card

Received a PNC bank debit card on XX/XX/2022 that was unsolicited and never applied for. Called bank and they said someone applied but the email was not one of ours.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$2900.00} XXXX  XXXX XXXX Balance : {$2900.00} XXXX  XXXX XXXX Balance : {$2900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is reporting an account on my credit report that the subscriber/creditor has told EQUIFAX to delete or remove from the file. 
The account is XXXX XXXX  XXXX, ACCOUNT NO.XXXX. 
FOR VERIFICATION OF THE ABOVE contact XXXX XXXX of S.C.E. LEGAL AFFAIRS DEPT. at XXXX ) XXXX.
Product: Credit reporting

I have incorrect credit balances that have been displayed incorrectly for the past 2 weeks and have n't been updated correctly. It 's showing max utilization and it is bringing my score down drastically. The balance has been brought down to about {$2400.00} on both credit cards combined and the credit limit has been increased to {$7400.00} on both credit cards combined. I need my score to improve since they will be approving me for grad plus student loans and will be checking my credit score starting XX/XX/XXXX so please update the information asap. I attached a word document and a print screen of current balances.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Under 15 USC 1681i ( 5 ) Request for Investigation and Correction To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report, as provided under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ). This section of the law requires credit reporting agencies to investigate disputed information and promptly update or delete items that can not be verified or are found to be inaccurate. 

The disputed item is as follows : Account Name : [ XXXXXXXX XXXX XXXX XXXX ] Date Listed : [ XXXX. XXXX XXXX Under 15 USC 1681i ( 5 ) ( A ), any item that can not be verified as accurate must be promptly deleted from my credit report. I request that you conduct a thorough investigation of this matter and provide me with the following : Verification of the Disputed Item : Evidence confirming the accuracy of the account information. 

Correction or Deletion : If the item can not be verified, it must be corrected or deleted from my credit report as required by law. 

Notification of Results : Written confirmation of the investigation results, including an updated copy of my credit report reflecting any changes made. 

Please respond to this dispute within the legally mandated 30-day investigation period. Failure to comply may result in further action to enforce my rights under the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax regarding errors I found on my Equifax credit report and have disputed these matters, but these errors are not being corrected and being closed as reported correctly. 

The first error I have disputed with Equifax that is not being corrected is regarding my current mortgage with XXXX XXXX XXXX XXXX. My Equifax credit report is reflecting that this account was 60 days past due for XX/XX/XXXX and XX/XX/XXXX. On or around XX/XX/XXXX I disputed this information with Equifax and on or around XX/XX/XXXX Equifax closed this dispute without correcting this information. This account was 30 days past due and never 60 days past due. I have been in communication with XXXX XXXX XXXX XXXX regarding this reporting error and they informed me to file a dispute with Equifax to fix this issue, as they could not initiate a dispute on my behalf as they informed me that they are not reporting a 60 day past due amount on this account to any of the credit agencies.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I purchased a puppy at XXXX in XXXX, FL. In order to complete the purchase, I required a loan which I obtained via LendingUSA. The loan was made online in XXXX using their computer. I opted for the interest free loan if paid off in 6 months. I paid my 1st payment on XX/XX/2021. I owed {$170.00}, but paid a little less than 1/5 of my loan. My first payment was {$1000.00}. To my shock, only {$950.00} of the {$1000.00} payment was applied to my principal balance. According to the terms of my loan, I should not be paying any interest. I called the company on XX/XX/XXXX, and was told they are charging me interest and will return it IF and when I paid off the loan in 6 months. This is NOT the terms of our agreement. I called again on XX/XX/XXXX, and was told after supplying both my social security number and loan number that they could not find my account. As a result, I mailed a letter to their billing department in XXXX, TX on XX/XX/XXXX, using priority mail. In addition, I called XXXX XXXX ( the division of XXXX that services FL ) and started a claim with them. I also emailed them a copy of the letter I sent LendingUSA. I want LendingUSA to honor the terms of my loan.
Product: Credit card or prepaid card

I made a purchase with my credit union credit card to XXXX XXXX XXXX for XXXX for two adult ski packages. I used and received a paid in full receipt using my credit union credit/debit card ending in XXXX. Approximately one month after making purchase and receiving items I was billed/charged by XXXX XXXX XXXX to my discover card for XXXX for same purchase already paid for. Merchant never called my or my credit union. I reported this as fraud to Discover Card. Discover stated that merchant claims that authorization to visa had expired but they had already shipped items so they took it upon themselves to review my purchase history and charged my discover card without my authorization. Still to this date, merchant has never attempted to call myself or my credit union to correct. I never authorized my discover card to be used. I reported same to Discover fraud, I have spoken to three females form the fraud department the week of XX/XX/2019, each person did not care that a fraudulent transaction had occurred. I advised them I had correspondence from merchant stating that they used my card without permission, as well as a paid in full receipt from merchant showing I used my visa card. Discover first removed the charge from my account, but two days later when I closed my account they put the charge back on my account knowing full well I never authorized this purchase. At time of this report Merchant owes me XXXX for returned items. Discover was made aware but dont care. All parties at discover refused to provide contact information so I could serve them with subpoena. I wish to pursue criminal action against Discover card and all three ladies from fraud department that spoke with me regarding same.
Product: Checking or savings account

I lost my closure check for my checking account XXXX and Ive called in for over a week to get a new check mailed out still nothing. Please mail me my new closure check for my checking account in the amount of {$15000.00}
Product: Checking or savings account

I'm requesting an investigation of Chase Bank for their error in processing a request to terminate an ACH payment to the vendor. Chase Bank mishandled a request in that I requested that they immediately block and terminate an ACH payment arrangement to XXXX. This request was made because XXXX XXXX dispatched a service installer to provide a Wi-Fi installation in XXXX of XXXX. The service provider, during or immediately after the installation stole numerous items from my residence. I opted to cancel the automatic payments to XXXX because of their poor response to the theft perpetuated by their employees. Chase Bank 's XXXX service center erroneously canceled payments made to XXXX XXXX instead of XXXX. When notified of their error XXXX issued a small credit in/around XX/XX/XXXX to XX/XX/XXXX, but they did not rectify the stopped rejected ACH payments from my Chase account to multiple ( 3 ) separate XXXX XXXXXXXX accounts which resulted in XXXX XXXX denying my ability to make check based payments and damaging my credit and fiduciary relationship with that utility.
Product: Debt collection

This is how my phone call went Hi Im calling from waypoint debt collector can I please have your address to verify that youre XXXX XXXX. 
Im sorry what company is this and what are you calling for? I wont give that information to just anybody over the phone. 
Sir I cant explain any more of who we are. 
So I hung up. You guys need to do way better. If I had known it was real I wouldve happily paid off whatever it is. I recently lost my debit card and have a new one. So whoever you are all you need is simply my new info.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a letter from my attorney and an FTC report with the account in questions, this XXXX XXXX XXXX XXXX  account is in litigation and needs to be deleted from all three of my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one account on my credit report that is not mine I have mailed out 4 disputes regarding this with FTC and nothing has been done regarding this. 

Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a complaint against Experian on this site but after 2 months of delays, Experian responded " we were unable to process your dispute, as it was not specific. '' This is the 2nd separate complaint to make this easier for Experian to comprehend. 

Why when I log into the website it keeps only showing me information from XX/XX/XXXX? I was even on the phone with your customer service and they could not even tell me why I was seeing the information I was seeing ( after the call I realized it is just really old information after seeing a date on the top of the page -- document attached ). I was not trying to see my credit score which I imagine is a separate premium upsell. Your information on me has so many errors I would think you would try to let me see the current misinformation you are spreading. This complaint is also to point out how poor a job Experian does of data vetting as even MORE THAN HALF OF MY ADDRESSES ARE NOT EVEN CORRECT! How is this company allowed to exist passing on false information like this? I also want to make sure the CFPB is aware of how intentionally confusing Experian 's website is, as it is designed to try and coerce/confuse people into paying for premium services repeatedly. 

Experian did sent me a printed copy on XXXX which is how I know the majority of " my '' addresses are incorrect, so I was eventually able to see a more current report. But my old report is still what they show me when I log in to their site ( see dates on attachment ).
Product: Credit card

Purchased XXXX XXXX for $ XXXXfrom Apple store online, and used Apple credit cardReturned the phone to Apple Store XXXX. Apple issued {$960.00} credit to Apple Card reflected on my statement.As verified by Apple customer service, I did not set up an installment plan. A previous phone was purchased XXXX but never received and returned to Apple . Credit card statement shows the phone was credited on Apple card and the installment plan cancelled. 
The phone purchased and returned XX/XX/year> was put on a installment plan I did not authorize. The {$960.00} credit has been used to make 4 installments of XXXX from XXXXXXXX XXXX totaling {$160.00}. I have made purchases since XXXX of {$130.00}. As of XX/XX/XXXX statement the credit balance on Apple Card is {$660.00}. I had to do the math and demand what was being taken out of the credit and why didnt my monthly statement reflect the {$40.00} installment charge monthly. Only Apple Card administrators can see that information. My phone App shows the installment plan was terminated XX/XX/year> when the first phone was returned. 
I have asked repeatedly why the credit was not issued against the charge and where did Goldman Sachs get permission to charge me installments and monthly charges against the {$960.00} for a returned phone. The case was accelerated and I was notified that I set up an installment plan and that the {$40.00} would ensue for the 24 months of the plan. 
I have automatic bill pay set up on that account. On XX/XX/XXXX I inquired why my balances monthly were not paid in full as I had indicated when i initiated bill pay. The answer was unclear and there was no mention that an installment plan was in place. As stated my statement does not show an installment plan or payments, but the math of installment payments and purchases bears out the credit balance amount. This is so underhanded by Goldman Sachs. The company has refused to flat out credit the amount of the phone back and to allow my automatic bill pay to cover the {$130.00} purchases that I have made since XXXX. They have also refused to remove the installment plan. I was told if I cancelled the card, I would still owe the balance due on the phone which as of XX/XX/year> is XXXX. 
I have had two lengthy calls with Apple Store Reps questioning Apple Card reps and detailing the above information. A second accelerated complaint was issued XX/XX/year>. The rep who took the complaint documented everything that I have stated and all the figures, prices, expenditures and credits listed. A rep from Apple Store stayed on the call with me as well. I havent heard back from Apple Card. I have never experienced anything like before. 
Apple Card acknowledges the purchase, the return and store credit but refuses to terminate the installment plan and allow my automatic bill pay to cover my monthly expenses which as if XXXX is a XXXX cent data fee from Apple. Please help.
Product: Debt collection

My Vehicle was repossessed illegally by Santander Consumer-USA on XX/XX/XXXX at XXXX to which i was present. The Documents used by Santander to claim interest in the collateral are forged with my signature. I have made several attempts at correcting this directly with bank and prior to repossession but bank insists on violating my rights as a consumer as well as FDCPA, FCRA and UCC laws and regulations.

I never signed any documentation in agreement with making any payments to Santander. Consumer-USA The existing contract list incorrect value amounts towards extended warranty inclusive of vehicle total price.

The existing contract was created through fraudulent means by dealership who is no longer in operation. 
It is impossible for there to be 3 different versions of the same contract all displaying contradictory information to be Valid
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to Equifax Info Services LLC 5 times with court documents showing that I have changed my middle name from XXXX to XXXX. They have not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on thisXXXX XXXX   XXXX account and XXXX XXXX XXXX for months.The credit bureaus refused to reverse them. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a car for XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  # XXXX is reporting an invalid late on my account. I paid this account in full and was never informed via anything that there was a residual balance of {$4.00}. This caused me to get a late on my account when I have never been late before and had paid this off entirely. I should not have this late, I was not informed of a remaining balance, I did not receive any notice that I was going to get a late. This late is invalid and needs to be removed.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I disputed with CFPB and Experian about inaccurate reporting information to my Experian credit report, provided Experian with the information from the debtor as well but Experian still verified the information as correct. On XXXX l sent Certified mail to Experian for relief or demand for arbitration due to this company continuing to violate my rights and violation of the Fair Credit Reporting Act. Acct # XXXX XXXX XXXX, Acct # XXXX XXXX XXXX, Acct # XXXX XXXX/ XXXXt, Acct # XXXX XXXX
Product: Credit reporting

Dear XXXX : After diligently trying to resolve a billing issue with Experian Credit Monitoring through their customer service department known as XXXX I have received no help and would like to ask that you look into the matter. 
In XXXX I signed up for their service, I called to cancel 2 years later not needing it anymore. A rep offered me a lower rate of XXXX down from XXXX. I accepted. Two years later in XXXX XXXX the company started billing me XXXX again. I did n't catch it until XXXX XXXX. I have attempted to resolve this overbilling with them but all they did was tell me they would refund one month which they have not ( been almost 1 month since then ). They state that I was on a trial when in fact my trial month was way back in XXXX. I was in fact on a reduced rate with no given expiration. I am very distressed that this criminal business practice is not prosecuted. I 'm looking to you for your help. All correspondence is included below. 

As you can see from the bills uploaded, XXXX/XXXX/XXXX as well as bills from XXXX and XXXX of XXXX ( new doc XXXX ) my rate was XXXX, more than 2 months before it went up, proving I was not on a 30 day trial. Additionally, I still have received NO REFUND as they stated they would give me 1 month as a courtesy. This disreputable business has taken my money and wasted my time. Please help. 

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

I sent my letters off XXXX and XXXX of XXXX telling credit bureaus to investigate every piece of my information on the accounts listed below. 

According to the FRCA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate and according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies .... 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX