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

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Subject : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the presence of certain inaccuracies. The following item ( s ) require correction : 1. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act, I hereby request a thorough investigation into these items and their subsequent removal from my credit report. It is my understanding that you will verify these items with the relevant creditor. Any unverifiable information should be promptly deleted. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are obliged to complete this reinvestigation within 30 days of receiving this letter.

Kindly send an updated copy of my credit report to the aforementioned address. The act stipulates that no fee should be imposed for this updated report. Additionally, I kindly request that you notify any parties who have received my credit report within the last six months of the necessary corrections. 

Thank you for your attention and assistance in resolving this matter. 

Yours faithfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is a formal complaint that this company is engaging in deceptive practices. I submitted a complaint with cfpb ( plz see complaint # XXXX ). I complained about two companies reporting in accuracies on my credit report to which the company responded XX/XX/23 stating the disputed information does not appear on my credit report to which this is not true. The department of education account are very much on my credit report reporting negatively to which is hurting my credit and getting me denied for financial opportunities.
Product: Credit card or prepaid card

Unauthorized fraud charge on my credit card in the amount of {$2800.00} by XXXX XXXX XXXX. Chase. Chase has been notified with proof of fraud charge but refuses to investigate and correct. Chase has " Zero Liability Protection '' policy but have chosen to not have it apply to this fraud charge for some reason. Chase response is " transaction is valid ''. When is fraud valid?
Product: Debt collection

In XXXX, XXXX, my dad and myself separately received a phone call and voicemail regarding a balance and debt owed. They provided my name, a creditor and a balance to both myself and my dad ( third party ). We called the number back but it is disconnected. Eventually I found a number and linked it to Capital Link Management LLC. I emailed them on XX/XX/XXXX at XXXX to cease all text and phone communication to both of our numbers and to strictly email me or mail me. I asked them for debt validation and information, and to provide proof of what they are calling about. However, my dad and I have continued to get phone calls and texts almost daily, I never received a follow up via email or mail or debt validation. Today, XX/XX/2023, I received a text with an actual phone number I can call again. I called and told them to stop texting and calling the following numbers and that I emailed them to validate what they are claiming. The man on the phone didnt tell me the company name or his name when he answered, just that he is a manager. He asked how I knew the number if I had no association. I again told him I need communication to stop and that I was able to link the numbers because they are similar. He asked again how I knew the numbers and I didnt answer him. He was rude and told me to stop playing games and referred to me by last name although I never gave it to him, and then he hung up. This company had refused to cease texts and call communication despite me asking them to stop and failed to provide debt validation. The man on the phone also didnt confirm my identity whatsoever yet used my last name, therefore giving info to me without confirming who I was.
Product: Debt collection

TRUE ACCORD sent me a message that I owe them and XXXX  XXXX when in fact I owe only {$0.00} cents! I tried to pay the amount in affirm on XX/XX/2024 multiples time but they blocked my account. I called customer service of affirm but even them cant help me. 

Cc US Attorney General XXXX XXXX NY GOV XXXX XXXX NY DFS NYC DA XXXX XXXX
Product: Credit card

XXXX XXXX XXXX canceled charge {$150.00} refunded money. Credit card company Sent me letter resolved in my favor. But they will not credit my account called 27 times all said it was being fixed. 2 statements no credit.
Product: Credit card

I have a Chase Amazon Prime Rewards card that I used to purchase a XXXX XXXX XXXX in XXXX of XXXX. The card comes with an extended warranty benefit that : " Extends the time period of the U.S. manufacturers warranty by one additional year, on eligible warranties of 3 years or less when item is purchased with an eligible Chase card or with rewards earned on an eligible Chase card. '' The soundbar failed in XXXX of XXXX, outside the one year original manufacturer warranty, but within the additional year provided by the card. The manufacturer ( XXXX ) understandably did not replace the soundbar because it's out of warranty, but XXXX also did not offer to repair the product at cost, because XXXX does not have a repair program. There are no electronics repair shops near me willing to quote a repair cost, because the soundbar is not designed to be serviceable by third parties. 

I submitted documentation of the purchase, warranty, and inability for XXXX to repair to Chase 's claims filing partner, but received a rejection requesting " A copy of the diagnostic, or repair receipt if the item has been repaired, that states the reason for the failure and details the cost to repair the claimed item. '' I called and explained to them that there is no such diagnostic because there's no facility that offers repair services for the item. They said they just need documentation that XXXX can't repair it, so I contacted XXXX again, screenshotted the conversation, I sent this to Chase 's claims filing partner, who then rejected with the identical message : " A copy of the diagnostic, or repair receipt if the item has been repaired, that states the reason for the failure and details the cost to repair the claimed item. '' I called again, they said they see the info that XXXX doesn't provide repairs, but the information needs to be in a different format ( making it clear that conversation was with XXXX ). So I contacted XXXX again, asked them to restate in an email, and sent a copy of the email to Chase 's claims filing partner. Again, the same rejection, again, with the exact same message. 

I've tried calling 3 further times, twice unable to get through and the third time told I need to get a diagnostic and cost to repair. This requirement is impossible to satisfy. 

Chase 's marketing and " guide to benefits '' do not limit the extended warranty benefit to only apply to products that are repairable ; they refer to a repair or replacement at the claims administrator 's discretion. Clearly, a repair or diagnostic is not available, and I have provided the documentation to the claims administrator, so the card benefit should approve a replacement.
Product: Credit card

I Im an executor of my moms estate. Nobody lives at the home for the moment. Its currently for sale. My brother checked the mail for the address and it appears someone is attempting to open multiple credit cards and Internet service through XXXX. Ill attach information. The names on these letters arent mine but the address is my moms address.
Product: Vehicle loan or lease

I need these hard inquiries removed off my Equifax credit profile I didnt authorize these inquiries XXXX XXXX XX/XX/year>2024 XXXX XXXX XXXX XX/XX/year>2024 XXXX XXXX XXXX/XXXX/2024
Product: Debt collection

I reported in XXXX of XXXX  when I moved to the XXXX   XXXX XXXX  and reached out for services that the past due amount that they claimed said was due in the amount of XXXX was due to Identity theft. At that time the agent due to goverment shut down did not charge me a down payment and noted that identity theft in my account. 

XX/XX/XXXX I spoke with the Identity Theft representative named Mrs. XXXX due to my account was disconnected due to amount that resulted over identity theft. After faxing the paper work that was required for the process she returned my services and removed the amount that resolved in identity theft only later to add it back on. 
XX/XX/XXXX when my services was disconnected due to the identity theft that I was led to believe was removed i contacted the utility commission, customer services XX/XX/XXXX not only has myself but also the town trustee reached out to customer service and due to the women at the fraud department was not friendly nor helpful to the trustee, he denied to help me and advised me to seek legal counsel.

XX/XX/XXXX the XXXX XXXX president of Indiana and go know where and was forced to pay XXXX dollar re-connection fee, over XXXX dollar bill when my bill should of been XXXX and was forced in to a payment arrangement. 
XX/XX/XXXXEmailed the XXXX XXXX president of Indiana and ethics compliance officer and recieved a call from XXXX whom restored service and attempted me back into a payment arrangement and requested that I send a police report and claimed that is what they were awaiting on. Then I heard from the XXXX XXXX  president secretary stating they never received my paperwork and wanted me to resend all documents again. However, the original fax says it was accepted. 
On XXXX XXXX I sent an email to the president of XXXX XXXX and copies of all identity theft documents and requests for them to do an investigation over my account. 
I also later recognized that not only did they charge me twice for the identity theft from they added it to my account til the very end in XX/XX/XXXX And never removed the identity theft. 
They sold this account off knowing it was due to Identity theft, and charged me double for it
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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identify theft and i have been trying to get inquires and other debt collections off my report for months and no luck and i continue to get credit inquires on my credit report XX/XX/18 XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/18 AND XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX  XX/XX/18 XXXX XX/XX/18 JPMORGAN CHASE BANK XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX  XX/XX/18 XXXX XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is harassing me for a debt XXXX dont owe. The credit bureau know my address and the address that security credit services and XXXX has is not mines. These people and the credit bureau are preforming illegal acts against me. I want all this information removed from my credit report immediately. They say I owe XXXX. Ive been ill for the past 3 years. I just been active for 8 months now. Theres no way I could have this account. I pay my bills. These people are fraud. I wrote the company to stop harrasing me. They are refusing and keep reporting false information on my credit report.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence of engelhardt. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exist., ( please remove these accounts before I seek litigation for the deamination of character ) XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX  balance {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX. Account # XXXX and XXXX XXXX Account # 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.
Product: Credit reporting or other personal consumer reports

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : 1. XXXX - XXXX # XXXX - {$710.00} - the account does not belong to me. 
XXXX. XXXX XXXX XXXX - XXXX # XXXX - {$1100.00} - the account does not belong to me. 

INCORRECT CREDIT INQUIRIESI am disputing the following inquiries which I did not authorizeXXXX. 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: Money transfer, virtual currency, or money service

Today XX/XX/year> I tried to send money from one bank account to another using the cash app. I chose the instant choice which give me a fee of XXXX for use. The cash app system messed up and sent it back to the wrong bank account minus the fees. Instead of trying to resolve this through the chat. The person kept giving me the runaround and saying they resolved it multiple times they also tried to get me to erase the thread by starting a new one
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried repeatedly to dispute accounts that was open fraudulent. They want take it off. These accounts are hurting my credit and making my life hard. They continue to keep the accounts on file. The companies or credit bureau ot doing anything
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Debt collection

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern On XX/XX/2018 I obtained a copy of my credit report. While reviewing my credit report. I discovered many accounts that I never applied for. Doing the time that these accounts were open I was incarcerated. Since I found these accounts on my credit report. I have placed and fraud alert on my credit report and also file a report with all three credit bureau. Upon my verification, please remove all accounts that have been placed under my name and social security number off of my account. 

Enclosed is a copy of my ID for proof. 

Please find attached copies of the time that was in incarcerated. 

Per section 605B of the federal trade commission all unauthorized and fraud accounts are to be removed with in 4 business days of receiving the report. 



Thanks XXXX XXXX
Product: Vehicle loan or lease

I contacted Chase bank, and the three credit agencies. Due to the fact that chase bank is putting the total amount owed as my monthly payment. Sent the bank and the credit reporting agencies a copy of the contract and they just keep updating the information somewhere else. But leaving the problem unsolved.
Product: Credit reporting or other personal consumer reports

The company has stated and provided a letter stating that my account has been paid in full, but Experian has not removed it from my credit report after several attempts to have them so do. I have provided Experian the letter from the loan department, and it still shows up as an unpaid loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX, XXXX and Equifax after I purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, XXXX and hoping that these following accounts late will be removed. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX 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 connot furnish an account without my written instruction.
Product: Mortgage

I purchased this home in XXXX of XXXX from my father at well below the market value. I obtained the mortgage through Huntington Bank. Unfortunately because I didn't have a big enough down payment I still was charged PMI. 

Currently I believe the value of the property is approximately {$220000.00} and I owe {$94000.00}. I feel the LTV is at 44 %. 

I contacted Huntington bank and made the formal request to have PMI removed and received the attached denial letter stating there isn't enough evidence that the value of the property had not declined below it's original value. I am willing to pay for a drive by appraisal. So I called the customer service and they told me to call the department dealing with PMI. I called 3 times and gotten a voicemail. I've left multiple messages and no one has even returned my call.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTE : This is not a duplicate complaint. 

This is a complaint for violations of the FCRA. Specifically the violations of the following section ( s ) of the FCRA Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). 

On XX/XX/XXXX NAVIENT granted a retroactive forbearance on my federal consolidation loan ( s ) effective from XX/XX/XXXX to XX/XX/XXXX. Prior to granting the retroactive forbearance they reported my loan ( s ) as being late in XXXX, XXXX, and XXXX of XXXX by 90, 120, and 120 days respectively. After the retroactive forbearance was granted NAVIENT failed to fulfill its obligations under the FCRA to update the status of the loans with the CRAs. Further, NAVIENT continues to furnish inaccurate information to the CRAs regarding the status of my federal consolidation loans with them. Once the retroactive forbearance was granted payments were no longer due during the months being reported as late above. Under Section 623 ( a ) ( 2 ) of the FCRA Navient is required to update the CRAs with this new information as the old information is now inaccurate and requires updating. I have disputed this information numerous times and Navient refuses to correct this reporting error and comply with the FCRA rules. I have contacted Mr. XXXX XXXX at Navient and I have notified Navient that they are knowingly violating the FCRA and they refuse to correct the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have a security freeze on account with Equifax. Been trying several months to have it removed. Can't reach anybody on the telephone. Was told to submit in writing, which I did, and was told some sort of code would be sent to me allowing me to lift freeze on line. No code has been received. Very frustrating.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$6000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Original creditor : XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair credit Reporting act several of my rights have been violated by this company as well as others under the 15 USC 1681g 15 USC 1681 ( a ) ( 4 ) I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of alleged debt, nor therefore any such debt in fact therefore exist. 

Credit Collection Services File # XXXX XXXX XXXX Reporting inaccurate information on my report and this company couldnt provide wit the original creditor ( XXXX XXXX XXXX  ) original contract showing my signature. I also asked for the purchase agreement for this account along with the chain of title. I want to see the original signature that this company has showing I became a debtor agreeing to pay this debt. My consumer rights and privacy has been violated in so many ways by the major Credit bureaus debt collection companies
Product: Debt collection

A account was opend on XXXX XXXX 2000 For the amount of {$770.00} with XXXX.that I 'm not familiar with # XXXX Represenetives could not give me any information about account only a different name tgat is not my name. 
And also account is older and greater the. 10 years. 
Witch I asked them to remove this account from my creditreport for that reason as well.