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

XXXX Refuses to fix my report. Whatever the case if Im on my spouse card or my my card if the credit card company reports thats not there business to pick and choose what Information goes on my report Im tired and frustrated working manual hours to get them to resolve issue they dont respond they have been sent the complaint more then three times and certified but they dont address it My acct credit card was removed off my report with out me requesting it The credit card company didnt request it, in fact they still report each month and XXXX XXXX report XXXX GOOD information I never ask for credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX be removed in fact it helps my utilization as I build my credit. 
XXXX likes people to fail so they have something to report If you are over the limit XXXX transunion drops your score XXXX pts were as experian does likem7-10 points XXXX believes they are private owners they do what they like to consumers
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have previously disputed several unverified accounts with Equifax with no results. I have asked that they produce an original signed consumer contract with my signature on all negative items that they post to my credit report and they have failed to produce this documentation on the following negative items below : XXXX XXXX acct num : XXXX XXXX XXXX XXXX XXXX acct num : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that Credit Bureau is reporting inaccurate and incomplete credit information. I am distressed that Bureau has included the information below in my credit profile and that they have failed to maintain reasonable. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated. 
Chapter XXXX Bankruptcy XXXX This account is not mine. I WENT TO THE COURT FOR VERIFICATION OF INFORMATION BELLOW. YOU CAN SEE THE LETTER I HAVE GOT FROM THE COURT, its been attached to this letter. 

This account was not verified in court. VERIFICATION means COFIRMING SOMETHING TO BE TRUE. THE ACCOUNT YOU HAVE BEEN LISTED ON MY REPORT WAS NOT VERIFIED. According to FCRA it is clear violation. 
Credit Bureau must remove this account Immediately.
Product: Credit card

So I signed up for the care credit account when my dog required XXXX, the amount was roughly XXXX. I set the account up for automatic withdrawal and after 2 yrs thought I must be done. I called synchronity put in my social and the message informed me my account was paid and up to date. I then cancelled the automatic withdrawal from my account. Within a few weeks I was sent a letter my account was overdue, I called and spoke with a representative who informed me that after 2 years of payments, I actually owe XXXX more than the original because I did not pay in time. What?????? OK so how will you work with me for payments considering that is unjustified. We will not, I refused to pay and now I 'm receiving collection letters. Help please unfair and unjust!!!!!!
Product: Checking or savings account

In XXXX of 2021, we mailed our income tax payment checks from our local post office. These checks were stolen, washed and deposited with altered information ( United States postal inspection service case XXXX ). One check for {$6900.00} was deposited in PNC bank on XXXX and one for {$5200.00} was deposited in XXXX on XX/XX/2021. Our bank XXXX has been trying to recover our funds and has not been successful. We get a letter every 30 days from the XXXX customer claims department stating that " we could not recover your funds ''. XXXX claims that they have done everything required and we have not been able to find anyone at PNC or XXXX that is willing to talk to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this Inaccurate reporting with all three credit bureaus Equifax, XXXX and XXXX. Each time it comes back as verified but the information is still incorrect. I have contacted the Original Creditor XXXX XXXX XXXX as well with the issue and they say verified as well. 
They are Reporting Payment Information as follows : Date of Last Payment XX/XX/XXXX Payment History show as 60 day late for XX/XX/XXXX.
Date of First Delinquency show as XX/XX/XXXX Credit Report show 30 day for XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

EXPERIAN : XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX  XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5300.00} XXXX  Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX : XXXX  Date of Inquiry : XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

For most of XXXX, I held XXXX shares of XXXX XXXX in a brokerage account with TIAA.. 
When I received my income tax forms from TIAA, I noticed capital gains associated with the sale of the XXXX shares of XXXX. I was neither aware of or authorizing of the sale. On XX/XX/XXXX, I called TIAA ( XXXX ) and spoke with XXXX XXXX. He advised that the XXXX shares had been acquired by XXXX XXXX on XX/XX/XXXX. He checked my TIAA brokerage filed reported to me that he found no notice to me of the sale. I e-mailed XXXX XXXX at XXXX XXXX XXXX XXXX  XXXX. I received an e-mail from XXXX XXXX, XXXX XXXX  Investor Relations on XX/XX/XXXX. XXXX XXXX reported that the merger was announced in a press release on XX/XX/XXXX. He indicated a XX/XX/XXXX press release announced regulatory approval of the merger. An XX/XX/XXXX press release announced the completion of the merger. TIAA did not advise me of any of these events. I remain completelyunaware of who authorized the sale or why, I, thenshareholderwas not consulted. I would not have sold the shares if I had known of the transaction. For documentation, I have TIAA Brokerage Account Year End Summaries showing the sale, a copy of the the XXXX XXXX  e-mail, and my notes regarding the XX/XX/XXXX phone call with XXXX XXXX. On XX/XX/XXXX, I filed a complaint by mail with XXXX. On XX/XX/XXXX, I called XXXX ( XXXX ) and spoke with XXXX. He advised that XXXX had no record of receiving my complaint and would not have contacted me anyway because " We run a completely impartial service. '' I find this investigation process to be completely unacceptable and instead filed my complaint with your agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of a fraudulent account merging by Experian. I was made aware of this issue by a mortgage consultant when I was denied for a loan based on Experian 's report. I have held an account with experian for many years and was unaware of this merging. No information of anyone else was on my report or account. When trying to speak to someone, the automated system sent me in circles. If trying to dispute, it states that there are technical issues within their online system and I am unable to continue further. In order to get any further assistance, you are redirected to pay for a service. This has hindered me from getting approved for a home loan and delayed my life, affecting me negatively. The customer service is horrible if you can get in touch with anyone. All of the numbers for Experian send you thru their automated system.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX  ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them
Product: Debt collection

They have continued to remove and add something into collections on my credit for over 6 months. When I have proof that it should be a balance if {$0.00}. 
I attended XXXX back in 2012 which put me at $ XXXX in student loans with them. I dropped out after my first year. They later got into a big lawsuit and I received a letter from XXXX which owns XXXX stating that because of the timeframe I attended and dropped out that my student loans are now at a {$0.00} balance and should be whipped off my credit within 4 months. 

However Williams Fudge had them in collections and after receiving the letter they were removed from my collection within two months. I was extremely happy. However for the past 3 months XXXX has continued to add it on my credit score and remove it only from XXXX tho. I called Williams Fudge and explained the situation and emailed them the letter I have. They said they would look into it that was two months ago. 

So last month I decided to dispute the collection with XXXX sending them the letter that I received form XXXX. It 's supposed to be completed XXXX XXXX. However Now it is showing on XXXX twice for $ XXXX each.. 

I 'm getting very upset about this and its effecting me and my wife 's chance of buying a house
Product: Student loan

I have made numerous attempts contacting Nelnet to get my problems resolved since XXXX of XXXX. I applied to IDR in XX/XX/XXXX when I graduated from XXXX  school. At that time my loans were accepted for IDR. Only some loans were actually put on IDR while the others were placed on Standard Repayment. I have filed all my paperwork correctly and attached all relevant documents to support this. 

Nelnet has not resolved my issues after multiple attempts. I refuse to fill out another application - I completed my application about 3 years ago and my repayment plan should have been correct at that time. 

I have tried filing a complain with Federal Student Aid and I have not had any reply or resolution. 

All of my loans should have been on IDR since XXXX and transferred to save. I want all of my interest forgiven that has accrued since XX/XX/XXXX. My monthly bill for my current loans that are on XXXX is {$0.00} per month and that is what I should have been paying since XXXX. Instead I have also been paying my bills for the loans that are on standard repayment. The way that this company is handling my loans is unacceptable and I want this problem solved.
Product: Credit card or prepaid card

I was repeated given erroneous information by customer service representatives and a supervisor at Capital One regarding a billing dispute with an airline. They also did not close a billing dispute upon being informed I had reached an agreement with the merchant. 

I called Capital One to open the dispute against the airline XXXX on XX/XX/XXXX. They requested more information on a letter dated XXXX XXXX, which I provided. After providing the information, I called Capital One and was told that if they did not hear from the merchant by XX/XX/XXXX that the dispute would be finalized. At this point Capital One had credited my account for the amount of both flights. Since my case was not based on a flight cancelation, I decided to accept an electronic credit from XXXX on XX/XX/XXXX for one of the flights involved and to purchase a flexibility plan to move the other flight. I moved the second flight to a new date, but I have not yet used the credits. I promptly called Capital One to report that I had reached an agreement with XXXX. Then in XX/XX/XXXX, I happened to log into my account with the airline and saw that the flight I had moved was no longer in their system. On the Capital One account I saw that I still had the credit for the original flights and, in addition, I had been refunded the extra I paid for the flexibility plan. I was confused, as I had assumed Capital One would close the dispute and re-bill my account for the ticket purchases. I called Capital One about this to ask what was going on. I wanted to know if the dispute was finalized and I could count on this money being permanently refunded or, if not, why had my flight disappeared on the airline system. I was told that my dispute would not be finalized on XX/XX/XXXX as I was originally told, but rather on XX/XX/XXXX, and to call back then. I then received another letter dated XX/XX/XXXX, regarding the dispute, which I thought just reiterated what XX/XX/XXXX letter had said. I called Capital One again on XX/XX/XXXX to confirm that the dispute was finalized ( the credit for the original airfare was still posted on my account ). The agent said it was still open and couldnt give me a date as to when it would be finalized. I asked to speak to a supervisor. I spoke with XXXX, who said that I could count on the dispute being already finalized. Based on this information, I went ahead and purchased airline tickets. Much to my dismay, on XX/XX/XXXX, I discovered that they rebilled me for XXXX of the original tickets stating that the merchant responded on XX/XX/XXXX. I complained about their misinformation and was told by the supervisor XXXX that they were sorry, but that any action I took based on their agents and supervisors information was solely my responsibility. Now, there is a probability that I will be re-billed for the second ticket as well, a reservation that has disappeared from my account on the airline website. 

The information provided by Capitol One can not be trusted for accuracy and they do not hold themselves responsible for the information given to their clients.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2019 with a balance of {$12000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copyof my Teletrack  consumer credit report sent to me via mail.
Product: Checking or savings account

Dispute Date : ** [ initial original dispute date Was XX/XX/year> ] [ REBUTTAL CLAIMS WERE MADE ON THESE DATES IN XX/XX/year> ( XXXX, XXXX XXXX, XXXX, ) and ( XX/XX/year> ) ( chime dispute ) Claim Amount : {$200.00} Dispute Type : Non-Receipt of Goods or Services Despite providing sufficient evidence to support my claim, I found that my dispute was not resolved satisfactorily within a reasonable timeframe. After a thorough review of the situation, I received a notification that my dispute was denied on the same day within a few hours of making each complaint and rebuttal. However, I believe this decision was made without a full and fair consideration of the information I provided. 

**Supporting Rebuttals : ** 1. **Lack of Timely Response : ** According to the Fair Credit Reporting Act, financial institutions are required to investigate disputes in a timely manner. I submitted all necessary documentation on [ [ initial original dispute date Was XX/XX/year> ] [ REBUTTAL CLAIMS WERE MADE ON THESE DATES IN XX/XX/year> ( XXXX, XXXX XXXX, XXXX, ) and ( XX/XX/year> ), yet I received a denial without adequate explanation or investigation within the timeframe specified by law. 

2. **Insufficient Review of Evidence : ** In my appeal to the financial institution, I presented clear evidence [ screenshots that I didn't receive service that was offered to be rendered, and no communication with the merchant, etc. ]. The institutions denial fails to address these facts, which I believe warrants a reevaluation of my case.

3. **Inadequate Consumer Communication : ** Following the denial, I attempted to communicate my concerns with the institutions customer service. Unfortunately, I received vague responses that did not address my specific issues. This lack of transparency and accountability seriously undermines consumer trust and satisfaction. 

Given the aforementioned points, I kindly request that the CFPB look into this matter to ensure that [ " Chime Financial, Inc '' ( banking partners : XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) ] adheres to the regulations set forth to protect consumers in financial disputes. Additionally, I hope my case can be reviewed for a fair resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies made a settlement with 41 attorney generals that they would not report judgments. I had a judgment in the state of Texas and have paid on it as agreed. The Tennessee Dept. of Human services got the enforcement and they are reporting on the judgment. Moreover, pursuant the Tennessee Fair Credit Reporting Act 36-5-106 - Reports pursuant to Fair Credit Reporting Act. ( c ) Reports of delinquent support and the amount of the arrears shall be made only after the noncustodial parent has been notified of the intended action at the last record address required by 36-5-101 ( c ) ( 2 ) ( B ) ( i ), 36-5-805, 36-2-311, and 37-1-151 ( b ) ( 4 ) ( C ) - ( F ) or such other address as may be known to the department, and the noncustodial parent is afforded an opportunity for an administrative hearing before the department to contest the accuracy of such information. The noncustodial parent shall file a written request for appeal of the intended actions as provided by part 10 of this chapter.

The Dept. of Human Services has not afforded me an opportunity or provided a notice of any adverse action. This should be deleted immediately from my credit report. 

XXXX XXXX has no balance and its company policy to remove the item. Original Creditor was XXXX XXXX. If we are credit reporting your account, it will be considered paid-in-full or paid-in-full for less than the full balance after your final payment is successfully posted. Within approximately 30 days of your final payment successfully posting, we will request the credit reporting agencies delete the XXXX tradeline related to your account from your credit bureau report. This debt has been paid and has not been deleted. 

XXXX XXXX has no balance and its the company policy to remove the item if balance is settled in full with 2 years remaining. Original Creditor was XXXX XXXX. This company has a policy to delete all credit entries that have been paid that are more than 5 years old. This collections is more than 5 years old.

XXXX  can not be contacted to verify such an account. Their phone is not in service and is reporting information that does not belong to me. This item should be deleted immediately. 

XXXX XXXX has not reported in years and this entry was incorrect due to the fact that the debt was paid to the original creditor and should have never gone to collections and should be deleted immediately. 

XXXX keeps reporting a bankruptcy from the XXXX XXXX of Kentucky and there is no bankruptcy there in my individual name. This info can not be verified by XXXX and is violating my constitutional rights. This should be deleted immediately. 

XXXX XXXX keeps reporting a debt that was paid in 2014 when I moved from Kentucky. XXXX XXXX XXXX kept my deposit and actually owes me {$100.00}. This should be deleted from my credit report immediately. 

XXXX XXXX is reporting a civil judgment from the XXXX County, Tennessee Court. I have sent in the XXXX balance from the judgment and this should never have been reported on my credit. This should be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

I have reached out to this company to advise them that this account is invalid it was previously being reported by a company called XXXX XXXX. I disputed the debt because it does not belong to me. All 3 credit bureaus removed the account because it could not be verified. This company AGENCY CREDIT CONTROL now has replaced the same invalid account on my credit profile. This account should be removed at once.