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

I never Lived at XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX and I keep telling the credit reporting agencies that yet they continue to say it's been verified but that's impossible because I never lived there I don't know anyone who lives there and they claim they don't have to show us how it was validated so what else can I do? Can I sue them for all this false information they'er reporting because there is absolutely no proof of me living there because I never did. Also all those treasury items should not be listed because first of all there from my employer paying my medical coverage while I was out of work for XXXX and once I returned they released me so I resigned. Now how can they expect me to pay anything when their the ones who also handling my pesion which took them forever because they retaliated against me because I needed time off.
Product: Debt collection

I called and explained that this bill was my husbands. Insurance should have paid it also. I contacted the hospital and they said that it was fine they would bill insurance. Still havent. They keep calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE THE FOLLOWING FRAUD ADDRESSES AND ACCOUNTS FROM MY CREDIT REPORT TODAY : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I received loans from Navient XXXX XXXX XXXX XXXX during years XXXX and am disputing the charges based on the Federal law suit.
Product: Debt collection

XXXX SUN TRUST reports two federal student loans. The Honorable Donald Trump signed a law forgiving the student debt of 100 % XXXXXXXX XXXX. I am a 100 % XXXXXXXX XXXX I submitted the documents to have my loan forgiven and removed from my credit report, and yet XXXX SUN  TRUST continues to report the debt as valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report I found information I did not recognize and/or did not authorize. They are the following : Inquiry-XXXX XXXX XXXXXXXX Collection ( s ) XXXX XXXX XXXX acct. XXXX XXXX XXXX XXXXXXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am aware that in accordance with the Fair Credit Reporting act the accounts listed above have 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, credit repair services, or other personal consumer reports

Delete Late payments from XXXX XXXX XXXX from XXXX, 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, XX/XX/XXXX XX/XX/XXXX your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 

Complaint Summary : I am submitting this complaint against EXPERIAN Credit Bureau, regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 

On [ Date of Credit Report XX/XX/year>, I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX Account # XXXX. 

Disputed Information : In reviewing the information provided, there are inconsistencies among the three credit bureaus regarding the reported balance, high credit, date of last activity, date opened and account status. 

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validate for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 

In my request, I emphasized that any unverifiable information should be removed from my credit report IMMEDIATELY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Checking or savings account

On XX/XX/year>, a transaction was made for the amount of {$180.00}. It was processed on XX/XX/year>, by a scammer located in North Carolina, even though I neither live there nor traveled to North Carolina at that time, and my debit card is not lost. This situation occurred because I mistakenly provided my debit card information in response to a tolling message from the government. Once I realized my mistake, I immediately reported it to Chase.

Chase informed me that once I activated the card under my new name, everything would be finedespite the fact that it had the same card number. They believed that as long as I had a different PIN and expiration date, it would be okay. However, I was still charged {$180.00}. I brought this issue to Chase 's attention right away, and they acknowledged it was their mistake, providing me with a temporary credit.

However, when they noticed that I had some money come in from my job, they allowed that fraudulent transaction to go through again, and they also revoked the temporary credit. All of this happened while my claim was still under investigation. When I followed up with them, they stated that they would provide further information once the investigation was complete.
Product: Money transfer, virtual currency, or money service

This complaint is being submitted in reference to incident XXXX On XX/XX/2022 my employment check entered my account. Which gave me a running balance of XXXX The only amount that came out my account during this week... is XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. Giving a total of XXXX! At this time I made to XXXX dollars XXXX  tranfer XXXX to XXXX XXXX and another to XXXX. Giving me a new balance of XXXX. My wife took XXXX from my account using a XXXX  XXXX XXXX atm, it cost me a XXXX dollar fee. She also went to XXXX costing XXXX. I got gas from krogers this morning for XXXX. Bring my balance to XXXX This showing the XXXX XXXX dollars XXXX  transfer never reentered my account. If it did my account balance would show XXXX! 

I want my money! 


Someone changed my transaction... 
Because if we add all of the deposit together with the XXXX zelle transfer. Add them back to the account and taken all the transaction amounts away from that running balance. I would have to had to over draft or my balance would only be XXXX. Not XXXX so somewhere someone is getting over. And i just want my money A XXXX deposit which makes the balance XXXX. The XXXX XXXX dollars XXXX  transfer, XXXX autozone deposit, and a mobile deposit for XXXX. Giving me an amount of XXXX. According to the new transaction history. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX making my balance XXXX! Please help me understand how is this so... if I currently have XXXX in my account. 

This second transaction history is someone trying to cover up there tracks for stealing my money. Please look at everything and return my money This same incident happened to me about a month ago and nothing was done to correct my problem. Want this incident fixed as well please. And my money return to my account
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or correct them immediately in my file : XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues with accessing my Equifax credit report. I reached out to them a few months back to correct somethings on my report that were not right. Since then, they have taken away my ability to view my credit report. I have reached out to them by phone and by mail to correct this and I still can't view my credit report.
Product: Credit card or prepaid card

This is a follow-up to complaint XXXX about AMERICAN EXPRESS. 
American Express responded on XXXX/XXXX/17, but only honored the rewards deal by giving me credit for the XXXX XXXX points. They did NOT credit my account for {$50.00}, instead stating that I would " receive separate notification about the {$50.00} statement credit and appropriate remediation once it has been resolved if you are eligible for the credit. '' I have not received any further communications from American Express. It has been over two weeks and many months since I should have received the credit. I do not understand their delay or any possible explanation why I would not qualify given the terms simply required the credit card be used one time within the first 3 months. I satisfied that requirement within days of receiving the card. 

I have grown very tired of trying to get the rewards offered by American Express. I think they are getting away with making promises and not living up to them which is really despicable!
Product: Vehicle loan or lease

While traveling in XXXX NY, my fiance and I, co-owner of our XXXX XXXX XXXX, our vehicle stalled out at an intersection. It appears the gas gas gage was malfunctioning showing we had gas but the vehicle ran out of gas. We put on hazard and walked to gas station for purchasing gas. Upon returning the vehicle was gone. For 3-4 weeks we called XXXX, XXXX, and XXXX XXXX XXXX and was informed the XXXX did not tow/ have the car. Per XXXX rules, in such instance, the vehicle should have been moved within a 10 Block radius. All searches proved fruitless for the vehicle. We called XXXX again and was directed to return to the intersection of the stall and call XXXX, for purpose of reporting the vehicle as stolen. 
ThXXXX XXXX XXXX showed up. Prior to this, we visited thXXXX XXXX XXXX  and was informed by officer on duty that they did not have possession of our vehicle. However, when the officials showed up for the stolen vehicle report, we were informed that our vehicle had indeed been towed to the police station, XXXX XXXX 
The officers on the scene called the XXXX to confirm that the vehicle was still there, At this time, they then informed us the vehicle had been towed from the XXXX and provided us with an address and phone number for the alleged towing company. 
We proceeded straight there. Upon arrival, there was no tow truck company at the address provided by the XXXX. 
We called the phone number provided, a representative of the towing company informed us that they were no longer at the location provided by the XXXX and that for some reason the XXXX did not have updated information. 
We notified the representative that we were really, willing and able to pick up the vehicle. 
He stated that we could not do so, not until after the XXXX XXXX XXXX as he was away on vacation. 
After the XXXX we contacted the towing company again, by phone, he provided us a false address for picking up the vehicle. 
Through die diligence we were able to find the location. Upon arrival, the towing company attempted to charge us a fee for the days that he was on vacation. We refused to pay these exorbitant, jacket up fees, as it wasn't our fault they were on vacation. 
A couple days later, we returned to pay the fees but the towing company refused to accept our debit card, stating that they would only accept cash. 
This all seemed fishy, we declined. All contact with the XXXX to resolve the situation proved fruitless. 
We contacted the Internal Affairs Department of the XXXX, Complaint NumberXXXX., Because we had not seen, nor have possession of our vehicle for about 9 months. 
We did not make payments during the time we were being denied information and access to our vehicle. 
On XX/XX/XXXX, the vehicle was repossessed by Santander Bank, and we were informed they would be selling the vehicle and we would be responsible for remaining balance..
Product: Debt collection

I called and spoke with enhanced recovery XXXX XXXX XXXX XXXX XXXX fl XXXX Told it's not my account I've never had an account with XXXX. I've called a few times but don't have exact dates
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Complaint Regarding Inaccurate Credit Reporting and Identity Theft Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding persistent inaccuracies on my credit reports and suspected identity theft. Despite my best efforts to dispute these inaccuracies with the credit bureaus, the issues have not been resolved, and I am deeply concerned about the fraudulent accounts listed. 

The details of my complaint are as follows : 1. **Inaccurate Credit Reporting** : On my credit reports from [ Name of Credit Bureaus, e.g., Equifax, XXXX, XXXX ] , I have identified several inaccuracies, including but not limited to [ Specify the inaccuracies, such as incorrect account information, late payments, etc. ]. I have attached copies of my credit reports highlighting these discrepancies for your reference. 

2. **Fraudulent Accounts** : I believe I may have been a victim of identity theft, as there are accounts listed on my credit reports that I have no knowledge of, and I have not entered into any contractual agreements with these creditors. These fraudulent accounts include [ XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ]. 

I have taken the following steps to address these issues : - I initially contacted the credit bureaus and submitted disputes to have these inaccuracies corrected. 
- I have also contacted the creditors associated with the inaccurate and fraudulent accounts, and I have requested verification and investigation. 
- Despite my efforts, the inaccuracies persist, and I am facing significant difficulties in obtaining credit and financial services due to these issues. 

I am seeking your assistance and intervention to ensure that my rights as a consumer are protected and that the credit reporting system accurately reflects my financial history. I kindly request that the Consumer Financial Protection Bureau investigate these matters promptly. 

Enclosed with this letter, you will find copies of my credit reports, as well as any supporting documents related to the fraudulent accounts and inaccuracies. 

Please provide me with a written response acknowledging the receipt of my complaint and inform me of any actions taken to address it. I can be reached at XXXX or XXXX for any further communication. 

I greatly appreciate your attention to this matter and your dedication to safeguarding consumer rights. 

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

I'm trying to get my credit report and its saying that my information does not match. I've tried entering old addresses and it's still not matching. Please help.
Product: Debt collection

After pulling a copy of my credit report I noticed Westlake financial on my credit report. i then disputed this with the credit bureaus after noticing inaccurate information being reported. under my social security number. i have attached a copy of my letter demanding deletion of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX and Equifax Dear XXXX and Equifax, There are multiple spellings of my name and listed addresses that are not associated with me on my credit report that is incorrected and are attached to my profile as a result of crimes that taken place. My name is spelled only one way XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, Fl XXXX. All other addresses and misspellings of my name are incorrect. You were sent copies of an sworn identity-theft report and identity-theft report filled with the federal trade commission. However, these inaccuracies still remain on the credit report which is a violation of THE FAIR CREDIT REPORTING ACT. Furthermore, these incorrect addresses and misspelling of my name prohibit me from verifying my identity with creditors. Lastly, I also sent updated information of my current address which I lived at for 25 years. The following listing in my file are also defamation of character because they are also associated with debts I DO NOT OWE. I am a victim of identity-theft and I am exercising all rights enacted by Congress for consumers victims of financial crimes. If this is not corrected in 15 days. I shall be force to take further legal action. 

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

I recently reviewed my credit report and I observed that XX/XX/XXXX are reporting late payments to the credit bureau, This negative reporting has had a severe damage on my credit score & credit worthiness. XXXX 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 XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. I don't recall making late payments and I am requesting that the credit bureau provide my physical proof that the alleged payments were in fact late as being reported. 

NOTE : I have requested XX/XX/XXXX to provide me proof that the alleged late payments are accurately being reported to the credit bureau and as of todays date XXXX has not complied with my request.
Product: Mortgage

We were solicited several times by Amerihome to refinance our mortgage and get cash back for home improvements at closing. After our appraisal, we did not refinance because it did not meet the amount we wanted back, BUT we were told by the loan officer that we would at least be able to drop PMI. He gave us contact info, we submitted our information along with the appraisal ordered by Amerihome we had just paid {$450.00} for. We have been checking on status getting strung along by the PMI department for two months, and received an email today, poorly written, saying our appraisal is only good 3 months after closing so we are denied to drop PMI???? What??? We applied to drop it right away months ago, we never closed on any refinance, and the loan to value is well within range. HELP!!! THIS IS WRONG!!!!
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The XXXXhree credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a bill for equipment that was not given to me from XXXX XXXX. XXXX XXXX gave this bill to ERC to collect. ERC inflated the amount of the original XXXX XXXX bill by {$100.00}.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
US DEPT ED XXXX Balance Owed : {$1800.00} US DEPT ED XXXX Balance Owed : {$1900.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$430.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$960.00} XXXX XXXX Bankruptcy Reference # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX