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

I started doing business with Lexington Law a few months ago. The company is charging me for services that they are not providing. My XXXX XXXX is going down, and they are disputing positive items causing my credit report score to decrease. I have attempted to reach them to cancel my services, and request a refund. However they only allow you to chat in and never respond accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion inaccurate information on my consumer report showing them to be negligent and have showed their failure to comply with invoice to my violations. They originally furnished 2 items on my reports XXXX and XXXX to later delete after cause injury to myself by furnishing these items on my report without the proper initial investigation. This shows their negligence and non compliance.
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 XXXX : XXXX ) 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 XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 XXXX 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 XXXX  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 or other personal consumer reports

in accordance with the Fair Credit Reporting act Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Over the last 5 years from years XXXX Wells Fargo has charged me {$35.00} per over draft over 100 times. Totaling over {$3500.00}
Product: Debt collection

I filed a complaint and the company responded stating that they had removed my number but I continue to receive calls at my personal number and they have also started calling my work number of XXXX. Today, when I answered and told the person to stop calling me and that I had filed a complaint, they said they were returning my call. I DID NOT CALL THEM. I told her she was lying and she continued to tell me that I had just called them. that is a complete lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX bank is reporting a credit card account on my credit reports that are NOT mine. I have reached out on several occasions requesting proof that I am an XXXXXXXX or XXXX of the corporation who the account was opened for. They have yet to provide such proof. In addition their employees are misinforming and breaking CHASE policies listed on their website. Only an XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  with POA can open an account. I have also written to the credit bureaus requesting this account be removed from my credit report as it has damaged my EXCELLENT credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX  and  XXXX   XXXX   2017   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  texas  XXXX   XXXX  placed an inquiry on my credit report without my consent or knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below letter was sent to all three credit reporting companies. Two of them have acknowledged that Kohl 's was incorrect in their actions taken. The third one hasn't replied to me yet.

To Whom It May Concern.

I recently filed a dispute with your organization concerning an adverse report that Kohls Department Store put on my credit. Let me start by saying I take my credit very seriously. Prior to this bogus report my credit score has been in the high 800s for years. Then along came Kohls. 
Here is what actually happened in spite of what Kohls may tell you. My wife and I both had accounts with Kohls. Unfortunately, Kohls mixed up our cards on one billing cycle ( in XXXX/XXXX  ). When they did this they decided that my card was over-due. Upon getting that notice, I called them and talked to their call center. The person I talked with informed me that I owed them {$580.00} and that if I paid that amount, everything would be okay. They also said to ignore a future bill if their system generated a bill. I promptly paid the {$580.00} and went on with my life. 
I did receive another bill which I ignored per my previous instructions. After receiving yet another bill, I called them again. This time they told me everything was handled go on with my life. So I did. 
After that I received several automated phone calls with recordings. I called them back, but as a Kohls employee would later tell me, their system did not integrate my information with a life person, so I just got generic recorded messages which I had been told to ignore. 
Finally, a human called me and explained that my account ( not my wifes as Id been previously told ) was overdue. So, I paid it while talking to this person. This, of course, was three days after Kohls had already put an adverse report on my credit. ( The person I talked to never mentioned this fact not surprising when you figure how difficult this company is to deal with. ) After I learned of the adverse credit report I called Kohls head offices and talked to a XXXX XXXX, who was very polite and professional. However, she stated that she had listened to all of the tapes of my conversations ( I had 4-6 calls ) and that I was just wrong. She would not acknowledge that Kohls had made a mistake and said essentially that they never make mistakes. In short I just have to live with this adverse report because they are a big corporation and Im just a little guy ( and now a former customer ). 
Additionally, I am surprised that they would put an adverse report on my credit score when I am in the process of talking with them. As I said, I called them numerous times, actually spoke to humans 3-4 times concerning this erroneous charge.

Needless to say, for an older man, this is all very stressful. 
Kohls actions are patently unfair. I know what their call center employees told me and I know that they were recorded. If someone actually took the time to listen to the calls, then they would realize their error. 
My bottom line is that I am politely asking you to remove the adverse report from my credit reports. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

At XXXX XXXX I received multiple emails indicating a Bank of America XXXX XXXX Banking Account was applied for : Confirmation number : XXXX On XX/XX/2022, I continued to receive notifications from XXXX XXXX - XXXX XXXX that the account was opened and the contact email was changed. 

Great news! The following account ( s ) are open : Bank of America XXXX XXXX Banking Account # : XXXX I was enrolled in online banking as well. 

XXXX XXXX BANKING ending in XXXX Your address or phone number, for one or multiple accounts, was changed on XX/XX/2022. 

I did not open this account and did not have any knowledge of this account being opened until I received the emails. I do not want this account or authorize it's opening.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete
Product: Credit reporting or other personal consumer reports

ITS BEEN PAST FOUR BUSINESS DAYS AND THE ACCOUNTS ARE STILL NOT BLOCKEDVIOLATING MY RIGHTS AS A CONSUMER UNDER THE FCRA 605C I AM A VICTIM OF XXXX XXXX  THESE ACCOUNTS WERE THE RESULT OF THAT XXXX  PLEASE BLOCK THESE ACCOUNTSWITHIN FOUR BUSINESS DAYS PURSUANT TO FCRA 605C. PLEASE PLACE A FRAUD ALERT ON MY PROFILE USING THE NUMBER XXXX. PLEASE PLACE A SECURITY FREEZE ON MY PROFILE. PLEASE ALSO OPT ME OUT. PLEASE BLOCK THE ACCOUNTS RELATED TO XXXX XXXX. PLEASE ALSO SEND A COPY OF MY CONSUMER REPORT UPDATED TO MYSELF AND CPFB. SUPPRESS MY FILE.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX {$4600.00} XX/XX/XXXX At least 120 days or more than four payments past due {$3000.00} XX/XX/XXXX At least 120 days or more than four payments past due {$3000.00} XX/XX/XXXX {$5700.00} XX/XX/XXXX {$3700.00} XX/XX/XXXX {$4100.00} XX/XX/XXXX {$3800.00} XX/XX/XXXX {$4600.00} XXXX  LOAN ASSIGNED TO GOVERNMENT COLLECTION ACCOUNT XX/XX/XXXX {$4800.00} XXXX LOAN ASSIGNED TO GOVERNMENT COLLECTION ACCOUNT XX/XX/XXXX {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED US DEPT OF EDXXXX US DEPARTMENT OF EDU Many of XXXX accounts were reported as delinquent however these accounts are currently in good standing and need to be removed from being reported as such. 

Any addresses or phone numbers that do not accurately identify me should be removed.
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 XXXX Balance : {$20000.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX  Balance : -
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's installment Account Number XXXX Amount Due {$1800.00} Due Date XX/XX/2015 I 've paid and settled this account over a month ago. 
I was told that i would receive a letter stating that the account is paid and settled with a XXXX balance. 
I have not received the letter and my credit is still not updated. 
I am in the process of buying a home and this is the last condition in order for me to close on my loan. I have XXXX children and we are all living in a hotel room until XXXX 's update my credit report or send the letter so I can provide that to my lender for a Rapid rescore. 
I 've also disputed this account, after the account was settled XXXX 's still reported that I owed $ 1,800+ on this account a few days ago. The dispute was closed and nothing was updated. I have called XXXX 's more than 4 times a week for the last 6 weeks with no resolution.
Product: Credit reporting or other personal consumer reports

Im giving equifax 30 days before I file a claim of unfair and deceptive practices Against equifax for firstly never sending me method of verification for the the verified accounts Also for allowing Transaction history and experiences to be reported on my credit report which is a huge violation 15 us code 1681a ( I ) I proved to you guys in my last complaint which will be sent you as support documentation Equifax will remove accounts removed non public accounts in three days of receipt of this notice If Equifax does not respond and refute this matter then that will be the contractual agreement that these accounts will be removed from credit report and I will not file a claim on equifax taking you to arbitration 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 card or prepaid card

I signed up for a an offer through Chase bank for additional bonus points when signing up for the Sapphire Preferred card. This offer is for XXXX points rather than the standard XXXX. I applied through this link ( https : //creditcards.chase.com/XXXX   XXXX & XXXX & XXXX XXXX   XXXX ), which is still publicly available, and completed the application. Once approved, Chase applied the XXXX promo and not the advertised XXXX points. I have attempted to reach Chase by phone and secure message on multiple occasions and they have declined to match the advertised offer that I applied for, stating that they will not change it or address my questions any further. I was also sent a direct email targeting this offer ( https : //e.chase.comXXXX ) which was submitted and they still will not honor.
Product: Debt collection

Mislead by the terms of Best Egg and XXXX all the information was falsely given about the terms and late fees its predatory calls against A XXXX women they treated me so bad.. I lost my job due to COVID -19 please please help me
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights wont be violated again due to my lack of consent.
Product: Debt or credit management

Ive paid for credit repair services for a whole year with no results
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

Citibank charged me a {$68.00} overdraft fee, after their $ 12 monthly service fee ( a change in terms I was not made aware of ), caused my account to be overdrawn by {$2.00}. 

I had {$70.00} the last time I checked, they took a bunch of fees out of my account then made my account negative {$70.00}! 

This is absolute theft. I was not notified about a monthly fee, and the fee level of {$68.00} is unconscionable. 

I have closed the account, I want my money back from these people.
Product: Credit reporting or other personal consumer reports

I was look at my credit report on Experian and I notice some things that are not correct. I sent Experian numerous complaints about this matter. and it has been over 35 days and it is a violation of 15 USC 1681 ( a ) ( XXXX ) ( A ). 

Experian is allowing XXXX to report a bill that was Paid in full to the bearer to deliberately effect my credit score. In which Experian, is reporting inaccurate information, that is causing irreparable harm, this account was paid in full under XXXX, XXXX XXXX UCC XXXX, in which is a negotiable instrument under the UCC and also Title 18 section 8. and the company is in violation of the Terms and provision of the United States by Tring to tax the Doller in which it is a crime to tax a government issued federal reserve note. Title XXXX section XXXX EXEMPTATION from TAXTATION, thus government obligations are not taxable. More importantly this company has illegally sold my private information to a XXXX party without my written consent and i have not and will not give consent, in which constitutes fraud on behalf of XXXX XXXX XXXX pattern practice of XXXX, UCC, XXXX CFPB XXXX and many other not known at the time of complaint. 

Under 15 USC 1681 ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and excepts as provided in subsection ( g ), if the consumer or accuracy of any item of information contained in a consumers 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 XXXX, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and recorded the current status of the disputed information, or deleted the item from the file in accordance with paragraph ( XXXX ) before of a XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.