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

I reached out to XXXX and XXXX today XX/XX/XXXX via phone call. Equifax had me on hold and transferred me 6 times and hung up in my face. I have told them to remove false information and account information from my credit report. The send a automatic generic response and ignore any violation to myself and the law. I called them today and the representative I spoke with was of no help and refused to handle my request as I stated. I will be taking this to the highest level possible and charging for every violation if this complaint does not render the solution I desire. First I would like to point out that I at no time under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer have I given permission to any company to report or speak for me on behalf of my credit. Without me giving permission it means the credit reporting agencies have taken it upon themselves to act as me and speak for me and falsely report in my name. I want all invalid accounts and incorrect account information to be corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly a collection in the amount of {$3100.00} on the N/A partial account number XXXX. ( Please see page attached from my credit report. ) This account does NOT belong to me. I have attached numerous documents as follows : 1040 form ;XX/XX/XXXX tax return ; XX/XX/XXXX tax return ; Letter of Employment ; XX/XX/XXXX W2 and XX/XX/XXXX W2. Every document attached is verifying that I reside in the State of Colorado and I have never lived in any other State other than Colorado. This collection account is in Georgia. This false reporting of a collection on an account that isnt mine is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit card or prepaid card

I purchased furniture through the XXXX website using their credit card. The original purchase date was XX/XX/19. It was a 6 month deferred interest plan. Unfortunetly, this month my interest kicked in for the first time. I didn't catch it in time, and I was charged by XXXX for interest in the amount of- {$74.00} I called XXXX to ask them to forgive me the interest this time and allow me to pay off the rest of my balance without paying interest. They refused and had no compassion for me and the current situation happening worldwide. I believe that this is taking advantage of people in this time.
Product: Debt collection

On or around XX/XX/year>, Credit Collection Services, added a collection account to my credit file on behalf of XXXX. 

I have conducted no business with XXXX or Credit Collection Services. I do not use or have benefited from the use of XXXX services. There has been no contract with this company and the residential address for this account does not belong to me. 

I have disputed the validity of this claim and neither company responded with verification of debt. Having a consumers name and date of birth is not a verification of debt. No name or contract was provided to me as asked. Per the FCRA, this alleged debt does not meet the requirements to be a collection account. This debt has been sold to Credit Collection Services and techniques used by this third party to collect is unethical.
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 XXXXXXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 Thank you very much for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a formal complaint. I received a response from the company on XX/XX/XXXX that does not address the XX/XX/XXXX complaint. It almost appears that a computer generated the response as opposed to a human being looking at the issue. 

This is an account I have attempted to bring notice to the fact is not being reported accurately on my credit report, yet you have not disputed these correctly. The response to the dispute I get state this account belongs to me, yet I have not disputed ownership whatsoever. According to 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 also states a consumer reporting agency can not furnish an account without my written instructions. How can this account be verified as being 100 % accurate without the necessary authorization shown provided by me? 
Again, I AM REQUESTING TO RECEIVE THE DESCRIPTION OF THESE FINDINGS ACCORDING TO 15 USC 1681 ( 7 ). By law, Description of reinvestigation procedure. -- A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. If my written consent for the reporting of the following accounts was not provided and can not be provided, the following accounts must be deleted immediately.
Product: Debt collection

XX/XX/18 various amounts of request payment appear on my credit report with Voss & Klein in the amounts of {$2600.00}, {$5200.00} & {$6100.00}. I have reported to this company this was fraud over three times I have disputed this now this week I received an email with someone else 's driver license and filled out paperwork with an unknown signature that is not mines from Voss & Klein. I replied that the information sent to me is definitely a hippa violation and that it was fraud. Since then I spoke with the XXXX and was told to send in certain information of mine verifying my identity and I placed a freeze on all of Credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was scammed and an a victim of identity theft
Product: Credit reporting or other personal consumer reports

Shortly after I discovered the fraud attached to my social security number, I sent the credit bureau a detail letter, telling them the information was fraud, requesting that they remove/block the fraudulent information from reporting and included XXXX attachments proving my identity and that the items listed were fraud. I filed an identity theft report, which I provided the bureau a copy, ( Report number XXXX ) and submitted reports to the federal trade commission, ( report number XXXX and XXXX ). Despite all the evidence, the bureau refused to block/remove the items, in direct violation of FCRA XXXX ( 15 U.S.C. 1681c-2 ), which states that " a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency. '' I submitted the request and all evidence in XXXX this year. As evidenced in the attachment, yet it is still reflecting on my credit today. 
The credit bureau has made no effort to protect me and my information. They have sent no supporting documents proving the alleged debt. The only thing I received was saying they " did an investigation. '' Which is impossible, because had they truly investigated, they would have found the accounts are not under my legal name, literal public records ( listed with the state ) show otherwise and a XXXX XXXX search would show every insurance I have ever had. Not to mention, my credit is flawless. No late payments, nothing overdue in my life. 
Plus the XXXX XXXX XXXX is reporting different fraudulent balances to different bureaus. It is clearly fraud and should be removed for that inaccuracy in itself!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 home depot cards that are supposedly all linked. I receive emails letting me know when something is due on my account, every time I check I have XXXX due to my account paid and a {$6000.00} credit line. I don't know why, but the account # XXXX XXXX XXXX XXXX has a {$55.00} charge for which I was never sent the email or statements for and is now in collections with XXXX XXXX XXXX with a balance of {$370.00}. I tried calling Home Depot several times for the statements and to try to explain that it was not fair that this charge is on my account and not notified of owing on this credit card, since all my account are linked. I don't even know if it's my charge, but it's ruining my credit. I would make an arrangement with the collection agency just to resolve, but they are charging me over 400 % of the balance and will report me as short paying a debt. This has been very difficult for me because when I login the accounts are suddenly not linked now and they have an old address and my new address. Here are my other credit card number with Home Depot # XXXX XXXX XXXX XXXX and # XXXX XXXX XXXX XXXX. 
If you could please assist me with getting this resolved, as I dont believe this charge is mine and it affecting my credit negatively. Home Depot will not send me the statements or my signature that I signed for this charge. 
Thank you, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of account in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX  XXXX XXXX. I believe it was reporting in error. 
XXXX XXXX XXXX Balance : {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian mailed me a consumer credit report and did NOT provide me with a consumer credit FILE as I also requested. I know the difference between a consumer credit report and a consumer credit file. Experian is in violation of my federally protected consumer rights.
Product: Credit card or prepaid card

I paid with Care Credit to XXXX XXXX XXXX services. Unfortunately the work was done so that I am still suffering from it, and consider it as a malpractice. I am redoing it, and going for treatments. I sent all the paperwork to the Care Credit ; doctor 's notes, X rays, notes from another doctor, copy of a refund from XXXX XXXX XXXX, which they deposited and took it back. The letter where they said that they they would give me the money back, if I sign a release, which I did not want to do. 
I disputed these transactions twice. The first dispute they denied me, saying that XXXX XXXX sent it for the settlement to their insurance. The insurance denied the claim. I disputed the money second time, then Care Credit decided in the favor of XXXX XXXX XXXX explaining that I signed some 'legal ' papers. I have the copies of those papers, it is just a paper any dentist gives to a patient to sign before placing the crowns, like about side effect. The other paper was about placing the crowns, that you can not replace it after they placed. There was nothing sad about perforated crowns like in my case, or constant pain, or malpractice. This product is not a product or service which I can use at all! The same if you go to a store to buy something, and a product is damaged or broken. 
I contacted the CEO of Care Credit, then some lady left me a message with her number and extension, where nobody picks up the phone, I left numerous messages, nobody called me back. Totally I spent more than {$12.00} with no results. Is it normal that I have to pay for the perforated tooth, the crowns I had to redo, the root canals I had to redo. It is a huge money for me, I pay now almost % 30 on this loan. This is so unfair. I understand the bank is a financial institution, but they have to protect a customer at some extent at least. I have never had such a bad experience with other credit cards in such situations, especially this money is huge for me.
Product: Credit card or prepaid card

While traveling, I lost a bag that contained items which fall under my credit card 's purchase protection coverage ( purchased in the last 120 days ). The bag was lost at my hotel. 

Upon arriving home, I filed a claim with Chase through its partner, XXXX XXXX XXXX on XX/XX/2022. The next day claim was denied and " more information was requested '' ( an incident report ). I called and waited on hold for an hour, when the representative informed me that my communications with the hotel would be sufficient as incident report. I provided these communications immediately. 

Notably, according to their own website, Chase will assist customers in providing the correct documentation, but nowhere do they give examples of an incident report, nor do they state that an Incident Report is required ( rather, a police report only if the item was stolen, not lost ). 

I called XXXX XXXX XXXX the following week, XX/XX/XXXX, to inquire about my claim. I was again put on hold for nearly an hour, only to be told the claims department closed at XXXX XXXX and would call me back the next day. No one called. 

I emailed their support email ( XXXX ) on XX/XX/XXXX and heard nothing. 

I called XXXX XXXX XXXX on XX/XX/XXXX ( XXXX minutes on hold ), XX/XX/XXXX ( XXXX hour and XXXX   minutes ) and XX/XX/XXXX ( XXXX  minutes ). Each time, I was told that the claims examiners were busy and would call me back ( they never did ). I spoke to a representative named XXXX during this time who assured me my claim would be looked at. 

I also contacted Chase via XXXX on XX/XX/XXXX and XX/XX/XXXX. Both times I was assured my claim would be " escalated '' and they would reply back to me via that channel ( XXXXXXXX  ). They have never replied to me. 

I contacted Chase via XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on XXXX. Same thing as XXXX ( we will " escalate '' ). I have never heard from them. 

In all this time, all I ever wanted was to speak directly to the claims examiner working on my claim, and find out exactly what documents they are looking to see. 

Chase has created a frustrating and shadowy bureaucracy where they can point the finger at their partner, XXXX XXXX XXXX all in hopes that the customer will just give up on the claim. It is abusive towards customers and should be investigated whether this is widespread ( based on the long hold times and many failed promises I experienced, it almost certainly is ).
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX calls 30 times a day from different state phone numbers late at night early Sunday mornings non stop harrassment.
Product: Student loan

While I was being assured that my student loans were in forbearance two of them went into default. In talking to a Nelnet ( formerly XXXX ) employee I learned how this would happen. 

I 'm told that my student loan could 've been handled at any one of three XXXX locations. When an individual asks for a deferment or forbearance, it is the servicer 's responsibility to " capture '' all of their federal student loans, from all of those locations. 

I was getting letters saying my loans were going to go into default. I called XXXX more than once and was told not to worry my loans were in forbearance and I would soon stop getting the letters. 

That was in the late 1980 's and the debt is huge now and the rest of my student loans are current and I believe they have been for at least 10 years. I work for XXXX XXXX and want to take advantage of the Public Service Worker program. I do n't have much as far as records. Their own records should support this.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers But also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been approved by XXXX XXXX XXXX  Credit Card Department for a credit card balance of {$2500.00} I have had the card and have been using the card responsibility for 3 months now, yet, they have not reported the account to Equifax, XXXX and XXXX  Credit Bureaus at all. Please have them ( XXXX XXXX XXXX Credit Card Department ) report this credit card account to Equifax, XXXX  and XXXX  Credit Bureaus as it is positive credit history with a balance of {$00.00} with on time and no late payments, that will inevitably be favorable on my credit report and will help to increase the score.
Product: Debt collection

It has been brought to my attention that after submitting Affidavit of Truth, Cease & Decease letter with facts as well as law that supports everything I was stating I was denied to excise my rights as a NATURAL living PERSON and a Federal protected consumer 15 usc 1635 ( D ) I demanded Experian to take action on my behalf they insist on keeping inaccurate information on my consumer report, it has also been a request for me to submit documents to them which is strangely weird being though they didn't need any of these items from third party agencies who buys the contracts of debts for pennies on a dollar, third party agencies also buy these contracts not having the full details on the account their pursuing you owe on, if that isn't Fraud then I don't know what else to call it, so my reason for this complaint is to inform the CFPB of all of the illegal actions that Experian has been part taking in, so I began to submit disputes with an agent Name XXXX now to my understanding me XXXX was on the same page when she was in-taking all of the details for her to began the dispute process after giving the agent everything she was asking for I was told I should hear something back within 30 days I said ok & that was the end of the conversation, the next day I got an alert from Experian stating my score dropped XXXX  points now I was extremely confused because i didn't expect to hear back that fast also the reason why my score was being decreased I call experian to see what happened the agent told me the reason why and I was explaining to him that I never opened a dispute for XXXX XXXX  that account was the only thing keeping light on my consumer report which as well was not the item I called to dispute on in no way that account was never addressed it was paid off in good standings so at this point I was also confused because neither item which I originally called for them to assist me with no action was taken on either case they actually denied my request to remove of the items i was requesting to dispute so since XX/XX/XXXX my Credit score has dropped drastically
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Information XXXX XXXX  - IncorrectPersonalEmployers XXXX XXXX XXXX  - Incorrect Employers XXXX XXXX XXXX - Incorrect addresses XXXX XXXX XXXX XXXX XXXX Incorrect addresses XXXX A XXXX - Incorrect Names
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX  /Account number- Username ( XXXX ) Account name : XXXX XXXX  Mastercard/ Account number XXXXHas violated my rights.

15 U.S.C1681 section 602 A. states I have the right to privacy.

15 U.S.C1681 section 604 A. section 2. it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C1681c. ( ax5 ) section states, a person shall not furnish any information relating to any consumer reporting agency if the person knows or have reasonable cause that the information in inaccurate. 

Due to these issues on my report, I am having a hard time to provide for my child! I'm unable to get an apartment. I'm unable to secure a loan for school to better my career due to these discrepancies.
Product: Credit reporting or other personal consumer reports

I requested by certified mail to Equifax, remove the account brylane home, it is reported by the IRS as a canceled debt since XXXX, tracking number XXXX, the above tracking number show the payment of XXXX canceled debt payment for XXXXequifax is still reporting this account as a debt on my credit report.up dated XX/XX/year>.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I have found out that I have a fraudulent account that is getting actively reported on my credit report the account name is XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), this account is fraudulent, and I need it removed from my credit report. Also I have found fraudulent hard inquiries on my credit report that are not mine the inquiries are XXXX XXXX XXXX XX/XX/year> | XXXXXXXX XXXX XXXX  XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$2600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}