23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have been disputing XXXX accounts : XXXX & XXXX and XXXX for over XXXX months and have n't received any fair help. The job of the credit agencies is to report only XXXX % factual and verified data. 

I have contacted both companies and informed them of my intent to sue if they do not remove these accounts. 
XXXX does n't belong to me at all, they have the account under a males name ( XXXX ) which is n't me, they wont provide me any documentation, no nothing pertaining to this account so why do they have the right to list it on my credit report and harm me?! 
XXXX has not validated the debt after me sending several debt validation letters, they wont provide me their license number to see if they are even legally able to do business in my state, and they too wont abide by the FCRA rules.
Product: Credit reporting or other personal consumer reports

Hello, these inquires and accounts do not belong to me. I have filed an identity theft report and these should be deleted immediately. 

Inquiries : 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  Accounts That do not belong to me that need to be deleted that are identity theft. 


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

The credit bureaus stated my account was properly investigated 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 the 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 agency can not furnish a account without my written instructions XXXX. XXXX  XXXX XXXX XXXX # XXXX XXXX. TN CHILD SUP # XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX AZ XXXX ) # XXXX XXXX XXXX XXXX XXXXXXXX # Duplicate Account Overall, according to the 15 U.S.C. 1681 n ( a ) ( 1 ) any actual damages by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 

I want XXXX XXXX per violation or to remove the accounts. 

Please adhere to this : Improper investigation and/or no investigation conducted as prescribed by the following terms of investigation. 1681 ( a ) ( e ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. All entities involved have stated several times that the account ( s ) have been verified, validated and investigated. Yet based on the credit reports, all data must be 100 percent accurate or be removed. The credit reports differ and has information between all 3 reports, that are completely different.
Product: Debt collection

Company called me on XX/XX/XXXXsaying I owed them approximately {$220.00} for medical debt from XX/XX/XXXX. I requested that they mail me a letter explaining the debt and contact information for the party claiming I owed money. The agent, XXXX XXXX refused to send a letter saying that " this is a courtesy call prior to us initiating legal action, you already know about this debt ''. I stated that unless they wished to send a letter validating the debt, to not contact me again. This action is a violation of the FCRA and federal and state collection laws. I received another call on XX/XX/XXXX but nobody spoke for 10 seconds and then hung up. I have made two attempts to call back to resolve the issue but nobody answers the phone. I attempted to resolve on XX/XX/XXXX and XX/XX/XXXX
Product: Credit card or prepaid card

Bank of America contacted me telling me someone stole my identity and obtained a credit card in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

EOUIFAX is reporting inaccuracy on my credit reporting from XXXX third-party vendor for public record.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 issues with Wells Fargo Dealer Services : 1 ) I secured a deferment for account XXXX  in XX/XX/XXXX to ensure that i would be caught up and not 30 days late. However, looking at my report, it appears that i was dinged in XXXX for being 30 days late. This error needs to be corrected as my credit score is dinged because of this late mark.

2 ) Account XXXXXXXX is over 7 years and needs to be removed from the Adverse Accounts on my Credit Reports. The Date of First Delinquency on some credit reports is XX/XX/XXXX and others is XX/XX/XXXX. I can not find a complete list of payments for this account and believe a delinquency occurred earlier. Since Wells Fargo hides the payment information, i can not find a complete picture on any credit monitoring system. The credit report data i have seen only goes to XX/XX/XXXX. In order, to be able to manage my credit i need a complete picture of all payments - that is from XX/XX/XXXXthru XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

They/ you guys are clearly ignoring my emails and when I call you say we will look into it. How do you go from XXXX balance agreed XXXX changed on my report XXXX XXXX XXXX to now I owe again to not even giving me the information I asked for to make it legal for you to report? Pull the calls!! XXXX if you have to take me to court to get it done. Remove this XXXX OFF TRANSUNION!! Not even XXXX is replying to me and I even showed proof nobody replies to my emails since XXXX or XXXX even!
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian Credit Report agency on or about XX/XX/2018  to dispute status on a fraudulent collection account with XXXX XXXX XXXX Account # XXXX for the amount of {$360.00}. for a medical bill I did not have service or does this bill belongs to me. I have also filed a police report and provided all the necessary documents and a copy of my Driver 's License which bears my current address. They still refuse to remove the item stated that I must contact the Collection Company on file and update my personal information with them to make my claim valid. This has been on going now for a few months and now results.
Product: Credit reporting or other personal consumer reports

I am victim of identity theft. I have contacted multiple bureas in regards to blocking my report to be pulled by companies without my approval. 
XXXX XXXX XXXX XXXXXXXX {$2100.00} XXXX XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX {$3200.00} Have all been illegally attached to me. I am constantly harassed daily from companies about debt and accounts that I never legally authorized.
Product: Credit reporting or other personal consumer reports

EQUIFAX keeps requesting the SAME personal information and documentation even though my legal counsel has submitted everythingwhere did this information go?!
Product: Credit card or prepaid card

This complaint is about my Amex Platinum consumer credit card and a separate but related Business Platinum card, and the deceptive marketing around the use of Membership Rewards points. On XXXX XXXX, XXXX, I used " pay with points '' on the Amex Travel website to purchase airline tickets on XXXX XXXX for XXXX points, equivalent to {$470.00}. My purchase was eligible for the 50 % bonus reward because I have both the Platinum and the Business Platinum card. AmEx marketing said when I signed up for the card : " You 'll receive 50 % of the Membership Rewards points used for flights with your selected airline back. '' My selected airline is XXXX. In the past ( on XXXX XXXX ), I received the bonus the day after the Pay with Points purchase ( see attached screenshot ). However, I have not received my 50 % bonus for the XXXX XXXX purchase - 19 days ago. I have spoken with 7 different agents at AmEx and AmEx travel, including 2 supervisors. They all say I used my Platinum card ( not eligible for 50 % bonus ) instead of my Business Platinum card for the Pay with Point purchase. But that 's not true. Whey you pay with points, you use your online login to make the purchase - and my login is tied to BOTH accounts. My understanding from the website is that as a Business Platinum cardholder, any Pay with Points purchase with XXXX would receive the 50 % bonus. I have no idea why the charge was posted to my Platinum card instead of the other one - I thought all Pay with Points purchases would post to Business Platinum since no reasonable person who had both cards would use the one that is NOT eligible for the bonus. I asked if they could transfer the " purchase '' ( not really a purchase since it was with points associated with both accounts ) from the Platinum to the Business Platinum card, and they refused. They also refused to manually credit me with the points, even though they clearly have the ability to do so. This seems like a trap designed to rob people of their points. I pay {$900.00} in annual fees for this Pay With Points benefit, and it is not fair to deny me these points, which I have earned by carefully following their rules and jumping through hoops to book a flight on their website and on the specific airline that is eligible for the reward ( XXXX ). I would not have applied for and used a Platinum card at all ( business or consumer ) - and I would not have booked these particular flights - if I had known they were going to deny me my points.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX had a covid extension/payment assistance that was to help people affected by the pandemic, well atleast what was advertised not what was done. After, speaking with a rep about my impact from the pandemic I was told by both the Rep from XXXX XXXX  and well as it was listed on their site/mobile app that due to the pandemic more payment options were provided with extensions and option for flexible payments throughout. As I made payment to best my ability through the pandemic I was still being dock for late payments fees AND late payments on my credit reports. Iam astound how XXXX XXXX XXXX  has handled this. Ive called multiple times for the past 2-3 months and each time the reps give you the run around tells you it takes 45 days for a response. They continue to change the dates transfer you over to a supervisor who dates are different from the previous .they cont. to give a run around and not acknowledge of your concerns. These lates need to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

1st I contacted XXXX XXXX XXXX XXXX after my Bankruptcy discharge. to make them aware that they were reporting my car loan as closed and discharged off in the bankruptcy, which is not true. I'm currently and always have been paying on this loan and have never missed a payment. they are still reporting it as closed. then I notified experian about this matter and sent pictures. after disputing it a few times the information has still not been updated. experian does not allow you to write in an explanation, they have prefilled options only. you can't state exactly what is going on. but I am currently paying my car loan. My Report should reflect that.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting acted conter Search ) Account #. has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason
Product: Credit reporting or other personal consumer reports

I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate This is the ONLY personal information that should be reported on my credit report Please update my name to : XXXX XXXX Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX of Birth : XX/XX/1996 SS # : XXXX
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I sent the following letter to Ability Recovery Services disputing a collection account that showed on my credit report for a debt that I did not recognize. 

XX/XX/XXXX ATTN : ABILITY RECOVERY SERVICES , LLC XXXX XXXX XXXX XXXX XXXX  XXXX Re : XXXX Dear Ability Recovery Services, I am responding to a collection notice from your company that is reflected on my XXXX credit report. 
I do not recognize this claim and do not believe I am responsible for this debt. Please provide me with written documentation via mail at the address below to validate this purported debt : An itemized statement showing the amount you claim I owe. 
A copy of the written agreement or contract I signed relating to this purported debt. 
Proof of the last action taken on the account. 
Proof that you are licensed in the state of XXXX to pursue this debt. 

Kindly suspend all further collection activity until you are able to validate the above-referenced claim. 

Thank you. I will await your reply. 
SINCERELY, The letter was sent via certified mail and receipt was confirmed on XX/XX/XXXX. In response, Ability Recovery Service sent a photocopy of a letter dated XX/XX/XXXX that stated : As per your correspondence, please find the information that you have requested. After reviewing please contact me at ( XXXX ) XXXX. '' The second page included a print out of an online college application. There was nothing that showed that I had any type of monetary account, no proof that the debt existed, and no itemized information on the activities they have taken on my account. In fact, there was nothing dated within the receipt time frame requested in my XXXX letter. I also disputed the collection account with XXXX. 

Instead of removing the debt after failing to provide the information to validate the debt, they reported the debt again with XXXX. I was told that I would need to file a new dispute from XXXX in order to have the duplicate account removed. Presently, I have not received a response dated within 30 days of when my letter was sent.
Product: Credit reporting or other personal consumer reports

I have had my student loans forgiven through the PSLF program, but they still appear as open on my credit reports and are affecting my credit rating. I have created complaints with the credit companies, but have had no luck with removing them.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 15 U.S.C 168b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been trying to cancel my {$1.00} trial of the XXXX XXXX since XXXX XXXX. Due to XXXX XXXX data breach, Experian has mentioned that hold times will be long. I called them once on XXXX XXXX and was on hold for over an hour. I never spoke to a live person. I then called a total of 2 times on Friday XXXX XXXX and never reached a person. 

Since I was unable to speak with anyone to cancel my trial, as my last resort, I sent an email to XXXXXXXXXXXX Friday XXXX XXXX. I asked for them to cancel my account and not to charge any monthly fees. 

Today, XXXX XXXX, I was charged {$24.00} from " Experian XXXX, '' on my debit card ending in XXXX. They have failed to cancel my trial and as a result, I 've been automatically charged for the monthly service fee. 

This issue could have been easily avoided if there was a feature to cancel my trial on the XXXX XXXX website.
Product: Debt collection

Oliver Adjustment Company, This company is reporting to the credit bureau {$1900.00}. I have insurance during that service but did not send the bill to my insurance. But they billed me instead. I have called my insurance company and ask them if this company ever filled a claim they said they have never recieved anything from this company but they are billing me and reporting it with the credit bureau.
Product: Prepaid card

Cash app is leaking my information to other sites I keep getting bogus offers
Product: Credit reporting, credit repair services, or other personal consumer reports

Date XXXX i was notified by XXXX XXXX that this account was considered a " Charge Off '' I looked into this, and i have no idea what this account is or why it is associated with me. 
I was never once notified that there was an account open or a balance due, and now I am finding out there is a charge off which is negatively impacting my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

For a period of over 2 years, Navy Federal Credit Union inaccurately reported a revolving credit account as open and current, during a time when it was closed and in collections. As a result, the date of first delinquency for this account was not properly established and the removal of this derogatory credit history from my report has been substantially delayed. Additionally, Navy Federal Credit Union has reported recent payment history for an Auto Loan that was closed and paid in full on XX/XX/XXXX. This recent payment history shows a 60 days past due payment on XX/XX/XXXX and two 30 days past due payments in XXXX and XX/XX/XXXX. On XX/XX/XXXX, I sent Navy Federal Credit Union a dispute letter with all identifying documents requested and additional support documents to verify my dispute. The dispute was closed with no changes made on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sent me a copy of my credit report with no scores and no deletions of errors on XX/XX/XXXX. I checked all the inaccuracy with a check mark and also implemented and added it the correct information on my credit report.
I sent the copy of corrections by US Postal Mail Priority m
ail to XXXX on XX/XX/XXXX Priority Mail.
Evidence is submitted to Federal Government filed complaint..
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 XXXX consumer credit report sent to me via mail.
Product: Mortgage

I have called PNC bank over the years and they state that their company policy is they will never send paper copies of mortgage statements. I am trying to refinance another loan and I need a statement but PNC is refusing. to compound the problems I have tried logging into pnc.com to get a statement but it has not been working for a month. Their help desk is refusing to do anything to assist me with getting my loan information
Product: Debt collection

On XX/XX/XXXX, my credit report showed that I owed XXXX XXXX ( XXXX  ) {$7800.00}. My latest credit report pulled on XX/XX/XXXX showed me owning {$13000.00} on XX/XX/XXXX. XX/XX/XXXX the IRS sent my refund for {$5000.00} to XXXX, which my credit report showing me with a balance of {$8800.00}. I just received a collection letter from the company Transworld System INC today, XX/XX/XXXX and it shows me with a balance of {$9200.00}. The IRS sent XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) my XXXX refund of {$2400.00}. That amount plus the {$5000.00}, I should have only owed them {$460.00}. Transworld is trying to collect an additional {$8800.00}. Plus they are charging {$110.00} interest per month. The collection letter has a fake seal, or I should say xeroxed copy of both the Department of Defense seal and the XXXX seal. This now has my current tax refund tied up because of this false balance.
Product: Credit reporting or other personal consumer reports

I did not give concent to any company nor reporting agency to report any payment or transactions on my credit file. 

Written Notice Per the FCRA as a federally Protected Consumer I am now opting out of any and all authorizations I the Consumer may have given you written unwritten verbal and nonverbal per 15 usc 6802.

The Privacy Act of 1974 prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual. It also protects individuals by ensuring that federal agencies only collect personal information that is LEGALLY AUTHORIZED and necessary. 

Some examples of privacy violations include : *Sharing data with third parties WITHOUT AUTHORIZATION *Using customer information for purposes other than its intended use Some exceptions to the Privacy Act include : *Information FOR a CIVIL ACTION proceeding *Material reporting for INVESTIGATIVE EFFORTS related to CRIMINAL LAW enforcement. 

All listed below who are in violation * XXXX XXXX XXXX Acct # XXXX * XXXX AcctXXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX * XXXX XXXX Acct XXXX XXXX * XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX * XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX * XXXX XXXX XXXX XXXX Acct # XXXX /Acct # XXXX
Product: Debt collection

I was contacted in XX/XX/2018 about a ambulance bill, i requested validation of this account and i was sent a statement typed up on collection agency template. they refused to verify and properly validate account.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting and convergent account # XXXX has violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXX I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX 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

XXXX XXXX ACCOUNT REPORTED ON MY ACCOUNT IS NOT MINE .HAVE NO KNOWLEDGE ABOUT THIS ACCOUNT.