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

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my consumer reports. The Credit Bureaus have stated that the XXXX  XXXX account was properly investigated and verified on several occasions ; but how is this possible if the Date Opened, High Credit, Date Last Active, Two-year Payment History and Comments are not accurate? This is grounds for deletion / removal under the following : 15 U.S.C 1681 602 [ 15 U.S.C 1681 ( a ) ( 4 ) ] 623 [ 15 U.S.C. 1681s-2 ] 611.Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] See attached and have a nice day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not properly protect my day at and had a security breach where my information, including social security number, was disclosed without my consent. This resulted in improper disclosure of my credit reporting bureau information. 

I have contacted equifax but they do not have remediation or way to resolve this. They have offered free credit monitoring but this is insufficient recourse with risk of my identit being stolen and hardship with issues downstream
Product: Debt collection

I have sent a correspondence in response to a letter XXXXonvergent Outsourcing , Inc. sent me on XX/XX/XXXX. Within that letter, they informed me that I owed an " alleged '' debt and that they provided valid proof of verification. This is not so. Pursuant 15 USC 1692c ( a ), a debt collector may not communicate with a consumer in connection with the collection of any debt which Convergent Outsourcing , Inc. clearly stated in the letter they sent me and only the original creditor can validate an " alleged '' debt. Pursuant 15 USC 1692, Convergent Outsourcing , Inc. is fully aware of the laws that fall under the Fair Debt Collection Practices Act, but fail to comply with the consumer laws by reporting this alleged debt. As a result of this false report, it has caused my credit score to fall making it hard to get approved for lines of credit which is defamation of character. These false reports harm my reputation with lenders and my credit worthiness. Convergent Outsourcing , Inc. has received my correspondence and supporting documents on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
And according to 15 USC 1681s-2 they are supposed to 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. Please delete these accounts immediately. 

XXXX XXXX
Product: Credit card

I am chase prime visa, that I used for my most of my purchases. On XX/XX/year> I was in XXXX visiting family the day I was leaving. I use my XXXX app to get an XXXX to go to XXXX international airport.. the amount for the trip showed around {$65.00} or so but when I clicked on my XXXX XXXX XXXX pay for the trip, the final amount came in euros, which is equivalent to XXXX. 
I immediately tried to cancel the trip on my XXXX app, but there were no such trip in the history of my trips. So I immediately called Chase card services explained what happened canceled my card and asked them to send a new one. I was under impression that they would cancel this fraudulent charge, especially when it was made in euros and I was in United States and it looks like that the charge came in from XXXX. Thats what it shows on my card.. I was never near XXXX, which could be very easy confined by looking at my tickets that I purchased to XXXX and looking at my purchase history right around that time. 
My fraudulent claim was denied by Chase services, which is extremely disappointing. They said it was denied based on their investigation. I wonder what kind of investigation they conducted? I dont believe that the company did any investigation whatsoever they just denied my claim. Please help!
Product: Credit reporting or other personal consumer reports

Dear Equifax To Whom It May Concern : I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DFCUFINANC Account Number : XXXX Please remove it from my credit report. 
2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX SXXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Checking or savings account

I saw an unrecognized transaction on checking account for {$99.00} and immediately alerted Chime. Received a response that an investigation by Chime found no error, meaning they thought this charge was valid.

The description on the charge had been noted as General Merchandise. 
If I had purchased anything there should be an order/invoice to support the purchase as well as a packing slip, shipment tracking and such. None of these items were provided to me. 
I received an email telling me Chime no longer used email for disputes and I needed to call. 
I called and was instructed by a member of the dispute team to email proof I did not make the purchase. 
I explained over and over it was an impossible request - since the vendor when I searched XXXX for the name - didnt exist and I had no way of knowing who or where they were and what they claimed was purchased. 
She insisted I needed to give documents to support my claim and the only thing I could come up with was a screenshot I had taken of a local newscast showing police activity where our family used to live. I had taken the screenshot to send my adult kids as they would likely be interested in seeing. 
So, along with a description stating this was the best I could do to show what I was doing near the same time as the charge happened I emailed the screenshot along with their reference number Id been given and got a reply stating I needed to call. So I called again and was instructed to send an email. I stated Id already done that. I sent email again explaining Id already submitted this info. The email instructed me to call. I replied stating I had been told to send info. Was again told Id have to call. 

This happened - a circular event of call us, Id call then theyd say send an email. Id send an email to the company at the address theyd provided and get the form letter telling me to call. OVER 25 times. 

Out of desperation I looked up their Board of directors on XXXX so Id have a way of bypassing the offshore call center that did not seem to understand any of this issue. 

I emailed the CEO, XXXX XXXX. Didnt get a response. 

What do I have to do to have this company actually investigate and provide the simple backup to their investigation? The only backup I ever got was the intake form which documented the info I had given them initially. That is wholly unhelpful as there was no information regarding what company name actually is, an order/invoice form, where it was shipped to. 

I know I did not make this purchase but Chime has arbitrarily decided I did and cant prove it, at least from what I can tell. 

I need my {$99.00} back in my account as I am on SSD fixed income. 

I am attaching the transaction information seen on my account. This is the entire amount of info I have. 

How can I prove I didnt make this charge in a way that will make Chime refund my account?
Product: Credit reporting or other personal consumer reports

There is information thats on my consumer report that appears on my Equifax, consumer reports that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block identified transactions. The identified transactions are not information related to any transaction made by me as the consumer. PLEASE REMOVE AND DELETE THE FOLLOWING INFORMATION BELOW FROM MY CONUSUMER REPORTS XXXX  XXXX -- - AC # XXXX -- Date opened- XXXX I Demand for this account to be REMOVED/ DELETED from my credit reports. I have also filed a FTC REPORT. See ATTACHMENT
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX COMP XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX  FINANCIAL I have hard inquiries listed here on my credit report that I am unaware of that should be removed from my credit report it is effecting my score negatively. 

XX/XX/XXXX XXXX XXXX XXXXI XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX AN XXXX XXXX # XXXX XX/XX/XXXX AN XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian closes 5 complaints and then notified there still working on the issue on those complaint, there all the same and this is a stall tactic they use, FRAUDULENT COMPANY
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Checking or savings account

Axos misrepresented their promotion for a {$20.00} bonus for me and the referring person. I never received my promotional credit due to unclear terms of the offer and when I attempted to remedy the problem the representative was very unhelpful. I am extremely dissatisfied with them as a bank and will be ending my banking relationship
Product: Credit reporting, credit repair services, or other personal consumer reports

i was a victim of identity thief i contacted credit bureau with police statement that my info was stolen and they wont remove. those are not my inquiries also reported with Federal Trade Commissions not sure why they wont remove associated credit XXXX XXXX XXXX sales XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Mortgage

In XX/XX/XXXX I made my XX/XX/XXXX mortgage payment. At the end of XX/XX/XXXX I made my mortgage payment for XX/XX/XXXX. Everything was fine until about XX/XX/XXXX when I started receiving late notices. I did some research and found that LoanCare had applied my XX/XX/XXXX payment towards XX/XX/XXXX. So instead of recording XXXX separate months payments as they should have they showed XXXX payment for XXXX. I called and got it resolved without issue. I was assured that this was their mistake and it would not affect my credit score. I have filed a dispute with XXXX with LoanCare but they refuse to change the late. The account was never late.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

The medical facility already received {$790.00} from my insurance company, based on the improper level of care received, I am not responsible for the {$75.00} co payment, it is fully disputed. Letter below was sent to the President of this facility. 
Via E-mail XXXX XXXX XXXX, President/CEO RE : XXXX Triage Date : XXXX, 2016 Medical Record : XXXX Dear Mr. XXXX : I am writing you in regards to my experience at the above captioned facility, the care in which I received was horrendous and has resulted in never patronizing another facility within the XXXX. The only reason why I visited this location was due to the fact that my XXXX at XXXX is affiliated with this hospital. Possibly, the Physicians in which you contract with XXXX should be vetted more appropriately, as ultimately, this has a reflection on your health care system. The care received by Dr. XXXX, was less than ideal, after approximately two hours of care, I was discharged in worse condition than upon my arrival. My cell phone picture of the monitoring machine taken on XXXX, 2016 at XXXX., shows a XXXX of XXXX and upon walking to the parking garage with my companion, I XXXX twice. However, your emergency department assumed that I received stabilizing treatment. In fact, I was a patient at the emergency department of XXXX for the same issues on XXXX, 2016 for a total of fourteen hours vs. the two hours at your facility. Obviously, the medical records between the XXXX facilities will show a vast difference in the level of care received. However, I am most sure, your medical records will be falsified to reflect that I was resting comfortably on the stretcher upon discharge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX/DOE XXXX {$2000.00} XXXX  FKA XXXX   XXXX {$150.00} XXXX XXXX {$200.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} XXXX XXXX BANKRUPTCY XXXX {$0.00} XXXX XXXX BANKRUPTCY XXXX {$0.00}
Product: Bank account or service

I contacted my bank, USAA Federal Savings Bank, on or about XXXX XXXX, 2015, and asked how to obtain copies of checks that were deposited in my checking account over two years because they were not online. I asked the USAA representative if there would be a fee associated with the research. The USAA representative initially said it would cost {$5.00}, but said he would check with his supervisor. When he came back on phone, he said that there was no cost associated with getting the deposits. I told him that I wanted to go ahead and order the the information and hung up the phone. When I went online to check my checking account yesterday, I noticed that USAA deducted about {$160.00} from my checking account. When I called USAA to complain that the USAA representative told me that there was no fee and I had not authorized the fee, they refused to give me the {$160.00} back. They said that I agreed to pay for photocopies in the fine print of my checking agreement. I told them that the USAA representative told me that there was no fee, and I did not authorize them to charge me {$160.00}. Furthermore, I have not received any photocopies. I should not have to pay this {$160.00} fee since I was told that there was no fee to get online copies of my deposits ; I did not authorize the fee ; and I never actually received any photocopies of my deposits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report.

I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report.

According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible.

Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know.

I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote and had notarized a signed letter and sent it via certified mail through the USPS to Transunion. The letter was received by Transunion on XX/XX/2019. 
The letter requested the physical verification of creditors and the information be sent to me, validating their legal ability to collect a debt and/or physical proof sent to me verifying these debts so that they may be removed from my credit report or remain listed. One of these unverifiable accounts were deleted and remain on my credit report.

The letter also requested incorrect addresses be deleted. Some of the requested revisions were performed but on further review there are a total of four incorrect addresses that need to be deleted.

The letter also requested verification of several hard inquiries and the physical proof of applying for credit be sent to me. I have not received verification of application for credit nor have I seen these unauthorized inquiries deleted off my credit report pursuant to section 604 of the FCRA. 
The letter also requested my personal information cease being sold to marketers by placing a Promotional Suppression on my personal information. I have received written notice that they are in compliance with my request for this as well as deleting my past employers per my request. 
To date I have not received physical validation of a debt or application of credit from the credit bureau pursuant to the FCRA. Transunion did mail me a response letter to the verification and demand letter I sent them.