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

Experian has a {$770.00} written off there is nor any money written off. 

There is no where from XXXX XXXX that states I owe any money. By XXXX letter it states there are no further amounts due on the above account. 

Experian did not address what I stated in which is the {$770.00} written off that shows by Experian.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 XXXXXX/XX/XXXX
Product: Debt collection

Last spring, I was suppose to have a wedding on XX/XX/XXXX. Due to the pandemic it was impossible to have the XXXX 
The governor ordered a stay at home band that started in XXXX and went past XX/XX/XXXX the day of the wedding. 
Due to not being able to have a wedding, I contacted our XXXX vendor XXXX XXXX XXXX to let them know. 
XXXX ( XXXX XXXX ) told me I still owed the full payment even without the service provided. Not only that if I didnt pay he threaten to add a 20 % penalty. 
XXXX the owner stated I would still owe the money in full and that I could use his service for whenever the wedding would be rescheduled. 
I told XXXX that I did not foresee when having the wedding would be due to the pandemic. 
As the date got closer on XXXX and XX/XX/XXXX XXXX bullied me via phone and email and told me he would sue or take legal action if I didnt pay even though he couldnt perform the service. Not only did he cause emotional stress on me during the pandemic of not being able to have a wedding, I was now being threatened to be sued. 
XXXX has now sent me to collection ( XX/XX/XXXX ) almost a year later. He is now going to ruin my credit on a collection he is trying to collect on for a service he did not perform. I believe XXXX owes me the {$300.00} deposit that was paid to him and he never offered to refund. 
Im extremely disappointed with how XXXX is using these abusive collection tactics during a pandemic. I had heard great things about his company prior to my experience with him. 
Im looking for your help and assistance to resolving this matter. 
Company info : XXXX XXXX XXXX XXXX XXXX XXXX
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 NUMBER : 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 four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXXXXXX XXXX XXXX XXXXXXXX INQUIRY : XXXX XXXX XXXX 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 one 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 60 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: Debt collection

Dear Madam/Sir, CFPB : This matter is in regards to an unknown amount of money that this debt collector wants me to pay. I do not recognize where this amount comes from, and I have no knowledge of it. This Debt collector is braking Federal Laws in regards to impose to collect something that does not belongs to me. I will need legal information on this unknown matter. Trying to collect money from me, and I have no knowledge of this unknown debt. Also the name on this letter dated, XX/XX/2023, does not match my legal name. This debt collector writes a big amount of money to be paid to them. I can not pay anything to some body that is trying to collect money that I do not owe. Thank you very much for your anticipated courtesy and cooperation in this important matter. Respectfully yours XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax is in violation of my rights as a consumer based on the Unauthorized Disclosure of Nonpublic Personal Information on my consumer report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are all in clear violation of 15 U.S. Code 6803 - Disclosure of Institution Privacy Policy, which states that creditors are prohibited from disclosing any nonpublic personal information to nonaffiliated third parties without providing a notice that complies with the aforementioned section. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has disclosed my nonpublic personal information to a nonaffiliated third party ( Equifax ) without providing me with notices that complies with the requirements of 15 U.S. Code 6803. This action is a clear violation of my privacy rights and an infringement upon the safeguards put in place to protect consumers like myself. According to the aforementioned section XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are required to provide a notice that clearly outlines their privacy policy and informs consumers of their right to opt-out of the disclosure of their nonpublic personal information to nonaffiliated third parties. However, I have not received any such notice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX prior to the unauthorized disclosure. I want to remind Equifax that this issue is not whether the accounts belong to me but rather they are reporting without me being provided notice under 15 U.S. Code 6803.
Product: Credit card or prepaid card

My Torrid Credit card was paid in full. However, they received my payment late and charged me {$1.00}. Then they did not contact me and continued to charge me interest and fees on the {$1.00} from XX/XX/XXXX until XX/XX/XXXX. I called and resolved the matter. They have removed the fees and my balance is back to XXXX. This was a mistake on their end. My XXXX score has been severely damaged because of their mistake. I have many hard inquiries and my score has dropped significantly.
Product: Credit card or prepaid card

usbankreliacard received ... .do n't know why. Never applied for unemployment
Product: Credit reporting

I am a victim of identity theft and their are unauthorized and fraudulent credit accounts and inquiries listed on my Experian credit report. The following credit accounts and inquiries listed are fraudulent and unauthorized : XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, Credit Plus, XX/XX/XXXX, Credit Plus, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

per FCRA, there are multiple inaccuracies on my credit report which is a violation of said act. Attached file is my credit report showing such inaccuracies. My XXXX XXXX accounts are displaying inaccurate account balances, inaccurate payment amounts from all XXXX credit reporting agencies. 
My XXXX XXXX  accounts have inaccurate information regarding a pass due status. 
lastly there are multiple inaccurate employers and addresses on my report that also need to be removed due to inaccurate information.
Product: Money transfer, virtual currency, or money service

I did a credit card deferral since XX/XX/2021 though XX/XX/2021 ends on XX/XX/2021 and Bank of America closed my account as a wrongful error and the customer service will not help me resolve my issue due to a error on my report and i paid my credit card on XXXX the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ran my credit report for the same application twice and did not give me the credit and did not remove it from my credit report. 

XXXX XXXX XXXX ran my report without my consent. I was only inquiring about the checking account. 

I would like to have these three inquiries removed from my reports. 

Thanks you. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Product: Student loan

I consolidated my XXXX Loans with Fedloan Servicing on XXXX of XXXX. The reason behind this was to work toward the XXXX XXXX XXXX. As of XXXX of XXXX, they stated I had only made XXXX payments toward my XXXX payments, where as I believe that should read XXXX payments. I have never been late nor missed a payment. I called and they stated that I was not paying enough, they are the ones who set up the payment plan. I asked to speak to a supervisor, I was told they would have the supervisor phone me back ; I never received a call back. I then sent a letter, XXXX of XXXX and did not receive a response back. 

The other requirement is that you must work for XXXX consecutive years at a low income school, I have been at the same school for 18 years, which qualifies as a low income school. I am also a " highly qualified '' full-time mathematics teacher in a secondary school. 

I believe I have fulfilled my end of the bargain and my loan should be on its way to be forgiven in XXXX of XXXX, where as they state XXXX. 

I appreciate your time and help regarding this matter. I believe I have covered everything but if I left something out please let me know.
Product: Credit reporting or other personal consumer reports

There are several inquiries that I require proof of a permissible purpose. 
PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT. 
ACCORDING TO THE FCRA IT IS A VIOLATION. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX I AM A VICTIM OF IDENTITY THEFT.
Product: Prepaid card

On the XXXX of this month I went to a XXXX XXXX XXXX  ATM to withdrawal bill money from my Direct Express account. The ATM gave me an error message, didn't give me the {$60.00} I tried to withdrawal, but the money was still removed from my account. I went to XXXX XXXXXXXX XXXX at my earliest convenience and despite this happening at their ATM they told me I have to tell Direct Express to put my money back. Direct Express is being no help by putting hurdles up that are impossible to correct in time for them not to deny my claim. They don't have my correct address, phone number, or email. I did as the told me to and emailed my valid California ID from my only email address, and they sent me an error message claiming my ID that expires in XXXX was already expired. I'm only asking for money that is mine. It can't be legal for XXXX XXXX 's ATM, or Direct Express to steal {$60.00} of my fixed income from me. I don't know why both banks are making receiving my own money as hard as they can make it. The ATM even gave me a receipt for a withdrawal despite the ATM not giving me that money. Why wouldn't the machine print that error message so I had it in print? Why won't XXXX XXXX tell me they can't do anything, contact Direct Express? Why won't Direct Express put the money I never received back in my account? I'm being bullied by two banks who are going to get my phone shut off. I have nobody I can get help from, but I shouldn't have to get help to get my own money. Please help me because to them it's {$60.00}, but to me I can't default on my phone bill, and they're stealing from my XXXX. This is scary, wrong, and it's not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that has been closed and done with yet it still reporting on my credit report and Experian is still showing it on my credit report and it reflects bad payments and making it hard for me to obtain a loan for my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collection account from XXXX XXXX XXXX on Experian, XXXX and XXXX  credit reports. So far I have heard back from Experian stating that XXXX XXXX XXXX verified the information as correct and the item was not deleted. 

I have submitted two complaints against XXXX XXXX XXXX with regards to this account and in the first complaint they agreed to delete the item from my credit reports. 

However, this has not been the case. I am providing copies of the first complain with XXXX XXXX XXXX stating they will remove the account from my credits bureaus. 

I also asked Experian, XXXX  and XXXX to provide the means of the verification and the proof that was provided by XXXX XXXX XXXX. This information was not provided. They are just relying on XXXX XXXX XXXX word. Without proper evidence showing this account belongs to me ( which it does not ) this item must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX. 
Dob- XX/XX/XXXX Last 4 ss- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX I XXXX XXXX am writing to dispute the following unauthorized Inquiries that are listed in my credit report. 
I do not recognize nor have I done business with any of the accounts listed below and Im requesting that all inquiries listed below be immediately removed. 

XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I see a lot of things on my credit report that should not be there and do not know where they came from and I need a clear
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax furnished unknown inquiries on my consumer report without permissible purpose. In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C 1681i ). I am exercising my right to challenge questionable information that I do not recognize the information listed in attachments.
Product: Debt collection

RMP, LLC have a {$2000.00} collection debt on my credit report. They claim it is for an emergency physician service. However, I have never been seen by their physician. The hospital they claim the bill generated from has stated that I do not owe any money. The debt is fraudulent. Please ask them to remove it from my credit file with the 3 credit bureaus. Thanks.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to block and arrest the person who issues credits I am not familiar with from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and Citi Cards XXXX XXXX, I don't know the amounts by I did not issue any of these cards and there was recent activity of my social security number that was used as well and I want this dealt with and corrected and have the person responsible for this arrested their address is XXXX XXXX XXXX XXXX XXXX LA XXXX please arrest this person and help correct my problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted LexisNexis on XX/XX/2020 as old judgements, more than 5 years old and also were filed and discharged with Bankruptcy Chapter XXXX and XXXX. I sent in all the proper documentation from my attorney and also explaining the statue of limitations had also expired. I explained this was halting the closing on my home yet they still have not corrected any of the information. This information is no where on my 3 credit bureaus as they have all came off due to statue of limitations and they were in the bankruptcies. 

Contacted XXXX XXXX on XX/XX/2020 and left message for Bankruptcy department asking to remove the incorrect information of balance owed {$950.00} and reporting past due as this was included in Chapter XXXX payment plan and paid in full as agreed to plan. The information was removed from my XXXX  report however not XXXX  or XXXX. I have left messages daily again with the Bankruptcy department as and have received no communication. I have reached out to the local branch to the manager and have also received no communication stating this is not their problem. I have sent in all documentation pleading for help as I need this cleared up asap however zero communication.
Product: Checking or savings account

On XX/XX/XXXX, I tried to withdraw {$300.00} from my checking account by using my debit card at Chase Branch located at XXXX XXXX XXXX XXXX, XXXX IL XXXX. I selected eight 5 's & then selected Finish For Me. The ATM sounded like it was shuffling bills to dispense. Then a message appeared that this machine does not have 5 's. The door for the cash did not open but my debit card popped out. I was about to redo the transaction but I decided to do a balance inquiry & print receipt in case {$300.00} was deducted from my account balance. I reported this to a personal banker immediately after it happened. Now I am supposed to fax proof that I did not get any money. The bank teller said I have to file a police report & get a lawyer since they can only review tape once they get a subpoena. I am getting nothing but the run around from Chase Branch employees.
Product: Mortgage

On XX/XX/XXXX, I applied for the Florida HAF ( Housing Assistance Fund ) XX/XX/XXXX, I was approved for {$1100.00} for ( XXXX ) months starting with XX/XX/XXXX payment. Payments from XXXX to be made to Wells Fargo. 

I have called HAF and was told that they have released funds to Wells Fargo. I have called Wells Fargo 3 times and they say that they do not see funds and to call on XX/XX/XXXX to check again. on XX/XX/XXXX I will be at my " grace period ''.
Product: Debt collection

Two unscrupulous representative harassed my husband and informed him about my delinquent debt and all detailed information about my account in order to obtain a payment. I have never provided his telephone number nor authorized anybody to share information with him. 
The creditor is Comenity Bank, phone # XXXX the two debt collectors names : XXXX at ext # XXXX and XXXX at ext # XXXX.
Product: Debt collection

I checked my XXXX Credit Report and noticed an account with a XXXX XXXX XXXX that started on XX/XX/XXXX. They let me know there is an account that was - Opened : XX/XX/XXXX Service End Date : XX/XX/XXXX Amount : {$2500.00} I called the XXXX XXXX XXXX and Original Creditor to have the account marked as fraudulent.