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

I am a victim of XXXX XXXX  I informed XXXX about this however, they ended up removing all of my credit cards from my credit report. 

My Advisor at XXXX had assisted with helping me create my paperwork. She added a few accounts that were opened directly by me. 

I really need these accounts reinserted on my XXXX Credit Report because they do belong to me and they were not affected while I was involved in XXXX XXXX. 

THE ACCOUNTS : - XXXX XXXX XXXX XXXX - AMEX CREDIT CARD - XXXX XXXX XXXX XXXX Please reinsert these accounts on my XXXX credit report.
Product: Debt collection

I have disputed this account with both XXXX and exeter finance company about them report inaccurately on my credit report and both have been giving me the run around and neither wants to update as settled. this is not I paid the settlement and neither has reported it to the credit reporting agencies. it reflect as not paid or settled on my credit report for all XXXX agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, nor did I live at any of these addresses listed. Please remove them from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 or other personal consumer reports

Recently, I did an investigation on my Equifax credit report and saw that there was an inquiry from XXXX XXXX  that was not accurate. I filed my first complaint with the CFPB on XX/XX/XXXX and was informed to contact XXXX XXXX  attorney. I spoke with XXXX XXXX, who provided me with a 1099-C ( Cancellation of Debt ). I also requested the original contract with wet signatures and was provided with sheet XXXX out of the XXXX sheet contract from XXXX XXXX. I requested for XXXX XXXX  to provide documentation in regards to charge off account and the complete contract with XXXX XXXX XXXX XXXX attorney office failed to provide the complete original contract requested and one sheet out of the five sheet document was presented making me question if this account is fraudulent. I have also filed a FTC complaint in regards to this matter and I have attached affidavit, Under 15 USC 1681e ( 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. 15 U.S.C. 1681i ( 5 ) of the Fair Credit Reporting Act ( FCRA ) governs how consumer reporting agencies ( CRAs ) should handle disputed information in a consumer 's file. This includes deleting or modifying inaccurate or unverifiable information. Failure to accurately report the status of a debt that has been canceled or written off. Potential violation of the Fair Credit Reporting Act ( FCRA ) regarding the accuracy and timeliness of reported information. To resolve this issue, I am requesting that XXXX XXXX be required to remove this inaccurate information from my credit reports with all major credit bureaus ( XXXX, Equifax, and XXXX ). I am providing the following supporting documentation for your review : Copy of the 1099-C issued by XXXX XXXX for XXXX XXXX XXXX, which confirms that the debt was canceled and should no longer be reported as active, email from XXXX XXXX XXXX attorney ) stating that 1099-C and sheet one of original contract is all the information that the attorney has in regards to this account, and sheet one of original contract. Any responses or lack thereof from the creditor or credit reporting agencies. This inaccurate reporting is negatively affecting my credit score and financial standing. I respectfully request the CFPBs assistance to investigate this matter and ensure that XXXX XXXX complies with all applicable consumer protection laws. Thank you for your time and attention to this important matter.
Product: Debt collection

The company is saying they are collecting for XXXX XXXX but my XXXX XXXX bill is paid in full. I do not owe any debt. This company that is reporting to the collection agency, I have no contract or agreement and I have no debt with them. They also did not provide any information that shows I owe any debt with them. I contacted XXXX and they confirmed my balance was paid in full. Now aware of this agency and again do not owe any debt with them.
Product: Mortgage

I have a Home equity line of credit with PNC Bank. The minimum payment increased 30 % from XXXX to XXXX. The current balance is {$22000.00}. The new minimum payment is {$450.00}. There are 86 months left on the repayment. If I would make the required minimum payment, the loan would pay off in 55 months. I typically pay more than the minimum but i should have the payment flexibility agreed to in the original note. 

PNC could not give me an adequate reason why I am not afforded the entire repayment term
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown thing on my credit report. on this day over 60days later i have not received a response yet. I feel like I am being taken advantage of furthermore, being ignored of my dispute. Section 611 ( a ) states that failure to investigates these items within 30 days given reason to immediately remove these items from my credit report. it has been over 60 days so they shall be deleted promptly. I demand these inaccurate, unfair and unduly accounts be removed from my credit report immediately or I will file a litigation in result of the stressors and damages this has cause my family. furthermore my information was impacted by the Equifax Data Breach which may have resulted my information to be in the hands of the wrong person.
Product: Debt collection

On approximately XX/XX/XXXX, My wife took out a loan with XXXX XXXX XXXX XXXX to pay for a XXXX vacuum cleaner. First payment was paid on XX/XX/XXXX. After a few payments we wanted to pay off this high interest loan. So I took out a loan from my XXXX 401 ( k ) to pay off this high interest loan. My wife XXXX XXXX XXXX XXXX to pay off the loan, via telephone. She made a payment of {$1500.00} to satisfy the loan. Then two years later on XX/XX/XXXX received a letter from XXXX XXXX. Stating that there was a remaining balance of {$61.00}. That was never paid and now there is a balance of {$560.00}, that includes late charges. I told financial services that I refuse to pay this amount. It doesnt make sense for me to take out a loan from my 401k to pay off balance of {$1500.00} and leave a remaining balance of {$61.00}. And if that was the case why did you take them two years to contact me about the remaining {$61.00}. They refused to work with me and only wanted to negotiate on a settlement and payment plan to pay for the {$560.00}. So now the have transferred my supposedly debt to XXXX XXXX XXXX ... I contacted XXXX XXXX XXXX and explained my predicament. I offered to send them my paperwork I received from consumer financial. The best they could do was to lower amount lower amount by {$110.00} and offered me a payment plan ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Corporate account beig reporting on my personal Transunion Credit Bureal. I have sent all the docs indication that the account being reporting by Transunion is a corporate account, in addition to many phone calls to this company without any results. Dates that Transunion has been contacted : XX/XX/2023 ; XX/XX/2023 and XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to TRANSUNION 's response to my last complaint about removing my inquiries, they stated that they'd send a letter stating why inquiries last on my consumer report for 2 years, which is completely wrong if it was a result of identity theft. According to Federal Law, the Fair Credit Reporting Act clearly states : 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 4 business days after the date of receipt by such agency of appropriate proof of the identity of the consumer. Appropriate proof of my identity is listed in the attachment of this complaint, which is a photo of my social security card. 


Remove the following inquiries immediately : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. These inquiries pertain to XXXX AND TRANSUNION. 


Failure to do so will be willfully noncomplying to the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, 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 deleted : XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1500.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$280.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$530.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$100.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5000.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} ), XXXX XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my credit report, I found multiple inaccuracies regarding late payments reported on an account where the information does not accurately reflect my payment history. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), consumer reporting agencies are legally required to maintain maximum possible accuracy, and any failure to do so is a direct violation of federal law. 

The account in question, [ XXXX XXXX XXXX ], [ Account # XXXX ], is inaccurately reporting late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, upon review, I have not been provided with any verifiable proof that these delinquencies were reported correctly or in full compliance with the FCRA. If a data furnisher is reporting negative marks to my credit file, it is their legal responsibility to ensure the information is 100 % accurate, fully validated, and not misleading in any way. 

As part of my formal dispute, I request that your agency conduct a full reinvestigation and provide proper documentation proving the validity of these reported late payments. If the information can not be fully substantiatedmeaning there is no concrete, verifiable proof meeting strict FCRA standardsthen these inaccurate late payments must be removed immediately to comply with federal consumer protection laws.
Product: Credit reporting

I tried to use the annual credit report website. I was able to get my XXXX and XXXX reports, but Equifax kicked me out, instructed me to use a paper request with unduly complicated instructions and then when I went to try and access it through the annual credit report website, displayed a screen falsely saying that I had already accessed my free report for the year. I attempted to call them and their automated system is useless.
Product: Credit card or prepaid card

case # XXXX It really is very simple I followed the merchants return policy I returned everything they received everything I provided the tracking information the package weighed the proper amount they signed for the package they never reported any problems with the package I'm not going to go away until you explain to me in detail how you've come to this conclusion what other proof could I have possibly provided that would have supported my case? If I fail to follow any of their return policies I would like them to tell me exactly which one it is because I believed I followed all of their return policies I even used their shipping label they are liable for the package
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB AUTO Balance {$8500.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Balance {$8700.00} Balance updated XX/XX/XXXX All this information in accurate for my address XXXX XXXX  Balance {$1600.00} Balance updated XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX, I sent via certified mail a letter and police report stating I had become a victimof identity theft. Pursuant to section 605B of the Fair Credit Reporting Act I requested these items beBLOCKED. My request was ignored and the following items remain on my credit report. I received anupdated credit report stating " the disputed information was Verified as Accurate.. ''. However, pursuantto section 609A1A of the Fair Credit Reporting Act, the reporting agency DID NOT provided anysupporting documentation showing proof that the reported items actually belongs to me. 
I sent asubsequent letter on via certified mail ( XXXX XXXX XXXX XXXX XXXX ) on or around XX/XX/XXXX stating thesame and once again, my requests were ignored. 
Attached is a copy of the following : - Sent identitytheft reports The following fradulent accounts STIL REMAIN on my credit reports furnished XXXX, Experian and XXXX. 
XXXX XXXX, Acct # : XXXX, Date Opened : XX/XX/XXXX XXXX, Acct # : XXXX, Date Opened : XX/XX/XXXX XXXX Acct # XXXX, Date Opened : XX/XX/XXXX XXXX, Acct : XXXX, Date Opened : XXXX, Account : XXXX, Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account : XXXX, DateOpened : XX/XX/XXXX XXXX, Account : XXXX, Date Opened : XX/XX/XXXX Exeter XXXX, XXXX, Date Opened : XX/XX/XXXX Experian XXXX, Acct : XXXX, Date XXXX XXXX XXXX, Acct : XXXX, Date Opened : XX/XX/XXXX XXXX XXXX, Date Opened : XX/XX/XXXX XXXX XXXX XXXX, Account : XXXX, Date Opened : XX/XX/XXXX XXXX, Account : XXXX, Date Opened : XX/XX/XXXX XXXX XXXX, Acct # : XXXX, Date Opened : XX/XX/XXXX XXXX  XXXX Acct # : XXXX, Date Opened : XX/XX/XXXX XXXX  XXXX Acct # : XXXX, Date Opened : XX/XX/XXXX XXXX, Acct : XXXX, DateOpened : XX/XX/XXXX XXXX, Acct : XXXX, Date Opened : XX/XX/XXXX XXXX, Acct : XXXX, Date Opened : XX/XX/XXXX XXXX Account : XXXX, Date XXXX XXXXXXXX XXXX XXXX  Account : XXXX, Date Opened : XX/XX/XXXX XXXX, Account : XXXX, XXXX : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX  I started continuing my education at XXXX XXXX. My student loans were and are 100 % paid by grants. As of XXXXXXXX  my loans with XXXX were 100 % paid and the attached leger shows/proves {$0.00} balance. Recently I reviewed my credit report and noticed my previous loan with XXXX is delinquent, which it definitely is not as shown in my attachments. I have written to the three major credit bureaus as well to XXXX XXXX  to fix this issue with no response or resolution. Today I personally went to the student office at XXXX to get this matter fixed and they could only print me a copy of my ledger, they also confirmed that I am not delinquent with any obligations related to XXXX XXXX, I also would not be able to re-enroll a year and a half later if I was delinquent with payment to XXXX.
Product: Credit card or prepaid card

I paid {$5000.00} on my HOme Depot consumer card on XX/XX/XXXX in which the funds were released immediately. I tried to purchase a refrigerator on XX/XX/XXXX but was declined because XXXX did not post the payment and instead was going to hold it until the XXXX. If I would not have called and inquired about the balance and why it does not reflect the correct information they wouldve reported to the the credit bureaus a false balance thus jeopardizing my credit score and history. When I spoke to three different CSR no one could explain why I had to call back in and tell them to post the money they held for the last 8 days. Why would they subject me to this bias and unfair credit treatment by holding my funds that was released immediately and eventually reporting bad information to the credit bureau? What type of protection as a consumer do I have from this fraudulent practice?
Product: Credit card

I typically get email confirmation of payment made which I keep in a payment folder. 
after my last payment on XX/XX/XXXX the email did not arrive I 've been on chat the next night with AMEX chat " XXXX '' who said there was a glitch and I would have it Sunday, this is Monday night and I have been on live chat for 2 hours with several different customer service and XXXX supervisors who tell me they can not resend the email, they made me jump through hoops change my email wanting personal information, and said I could change email myself, so I did and they still tell me they can not send a simple email confirming my payment. 
Desired resolution is for them to send me an email XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I submitted all relevant identification and forms to be verified in Binance.US. The verification has been pending for the better part of two weeks. I dont understand how it takes so long to verify if a document shows my correct address. They will not allow you to submit a help ticket.
Product: Checking or savings account

I was taking taxi from XXXX airport to the hotel on XX/XX/2023. Taxi driver card machine was not working. He asked his colleague for a different machine, which also was not working well in the beginning. So, instead of XXXX $ for a taxi ride, I was charged XXXX XXXX Obviously, it was a mistake. I didn't get the receipt from taxi driver. I called Chase bank immediately when I came to the hotel & they returned me the money. 
However, today Chase reversed the claim & charged me for XXXX $ again. I called the bank again & explained the situation. They asked for the receipt, which I never had. They said to call taxi company in XXXX XXXX I can't find their information. It's impossible for me to find the phone number for this company. 
I was told previously by Chase that they can track the transaction & take care for it. Now they are refusing to cooperate & basically I paid XXXX $ for XXXX minutes taxi ride. I was a client of Chase for many years & they are not helping at all now.
Product: Debt collection

Plaza Services is currently adversely reporting on my XXXX credit report. According to the correspondence received from them the original creditor is XXXX XXXX XXXX. I do not know this company nor how I could possibly owe them money. I do my business at the bank as I have for many, many years. I have asked them twice to validate the debt by showing proof of how I owe it. And a contract with my signature among other information that would help me validate the date. Each time they send me a new bill with my name and an amount stating they purchased the {$310.00} debt from XXXX XXXX XXXX. I can not keep going round and round with them to no avail. 

I have also requested information from XXXX asking what methods they used to validate that the debt is actually mine before negatively reporting it. In response, I get a generic " verified '' and that is just not sufficient. I have no problem paying debts I owe. But I can not and will not just have someone mail me something and say in essence, " pay this '' and I just do it. My personal finances are not set up that way.
Product: Debt collection

I was unaware of the unpaid dept, When i checked my credit report i found out there were an unpaid insurance debt which is causing negative impact on my credit. I immediately contacted the debt collector and paid the full balance and requested the negative report to be remove from my credit profile. The company have not taken any action to remove the negative file on my profile and it is impacting me financially.
Product: Debt collection

Thank you for your response. The actual contract original balance is inaccurate. What is being reported as the original balance is reported at {$12000.00} but the actual amount after the disposition is noted as a different amount. This inaccuracy has caused a myriad of additional money in fees and has reported inaccurately. It should be removed based on applicable laws.
Product: Credit reporting or other personal consumer reports

I have an account on my credit report that again As I reported on the previous complaint was done by XXXX XXXX and it was for a XXXX account of {$730.00} that I entered as being reported by National Credit Systems but it was XXXX XXXX. This account is being reported by National Credit Systems in the amount of {$4400.00} for a period of XXXX XXXX rent at XXXX XXXX XXXX where I never lived or applied to and they do not have a lease that I signed. XXXX XXXX stole my information to get an account at XXXX and to rent an apartment and sign a XXXX XXXX lease. They are saying the apartment was only used for XXXX XXXX and they are reporting {$4400.00}. They reported it as a joint account and I plainly have told them I wasn't even in XXXX at that time and asked to see a lease with my name on it. They don't have one. XXXX XXXX is in XXXX XXXX XXXX awaiting indictment from the grand jury.