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

I submitted on-line dispute twice to all three credit bureaus ; XXXX, Equifax and XXXX to have them to update my student loans in the amount of {$97000.00} as paid in full and that the account has been closed. Pay off date which is listed in the letter is XX/XX/XXXX. XXXX which is a Department of Education Servicer sent two letters to me to notify me and stated that they have contacted and sent this information to all three credit agencies. When I received the update from XXXX and Equifax nothing has change on the credit file ; the amount of {$97000.00} is still outstanding, which effects my credit debt ratio and the account is still open. 

XXXX has been contacted again and stated they will try again and reassured me this information regarding pay off is still listed on their website However, I have retain personal copies of both letters. I tried a third time by submitting the same information in writing along with copies of the letters from XXXX only to receive the same results. 

For the third time I submitted the same information in writing to all three agencies, along with copies of the both letters from XXXX, only to receive the same updated information as of XX/XX/XXXX that the amount of {$97000.00} is still outstanding and the account is open and not closed. I gave both XXXX and Equifax a call and spoke with a representative. Both stated that they did not receive any information from me or XXXX and that this information will remain until paid in full and even after being paid in full the information will remain on my credit file for the next 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the listed items that are 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 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 TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$610.00} XXXX  XXXX Balance : {$1200.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/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 XXXX XXXX XXXX XXXX XXXX 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: Debt collection

After reviewing a copy of my credit report, I noticed multiple collections account placed on my credit report from your company IMC Credit Services LLC from 2014.. I am requesting that you let me validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name, and the hospital /medical provider to which I owe the debt and a detailed breakdown of the fees that I allegedly owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act { HIPAA }, to protect my privacy and medical records from third parties. I did not give my permission to any of my current or prior medical providers to release my medical to a third party. I am aware that the HIPAA does allow the release of limited information about me but anything more is to only be revealed with patient authorization. Therefor, my request is twofold-validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Also, please provide proof of identification upon treatment, and my signature with the provider of service to release my information to your company IMC Credit Services LLC. Cease any credit bureau reporting until this debt Is validated by me.
Product: Vehicle loan or lease

Credit acceptance {$22000.00} XXXX  XXXX  XXXX  missed payments XXXX  XXXX  XXXX {$140.00} XXXX XXXX XXXX prof of Michigan {$880.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a recent medical collection on my account that is not mine. I have never heard of this company and if I did indeed owe it, I have never been notified either by mail or a phone call. Here is their information... they also have no phone number to call RADIUS GLOBAL SOLUTIONS LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

1. XXXX XXXX received a text from J.P. Morgan Chase Bank asking if she recognized activity to {$200.00} to XXXX XXXX XXXX, {$2500.00} to XXXX XXXX ( text received XXXX pm XXXX XX/XX/2022 ) 2. Wrote 'No ' in return, verified that it was a Chase phone number 3. Return text said a hold has been placed on your card, we'll be contacting you shortly. 
4. XXXX called number XXXX ( this is the Chase phone number on the back of her Chase debit card ), at XXXX pm XXXX XX/XX/2022. XXXX 's husband, XXXX XXXX, PhD listened in on the call. 
5. Since XXXX initiated the call to the Chase number, she believed she was talking to a Chase representative.The person gave his name as XXXX XXXX, ID XXXX XXXX. Person on other end asked if we knew a person named XXXX XXXX ( sp? ) in XXXX, Georgia. We were informed that this man had taken out {$5000.00} from XXXX 's account. XXXX was informed that she had to go to XXXX to reverse this transaction. 
7. " XXXX XXXX said he would walk us through the reversal process and said that because he was with Chase, he would never ask for a username or password, and never did. He asked if a different email than XXXX 's was hers ( XXXX ), she said XXXX. ' XXXX 's email is XXXX 8. We started on the laptop but he informed us this needed to be confirmed on the smartphone with the XXXX app. It didn't work initially. Then " XXXX '' instructed XXXX to put her middle name in the app ( XXXX XXXX XXXX ) 9. " XXXX '' instructed us to put a sequence of numbers and letters in the memo field : XXXX. Then he told us to put in a verification code : XXXX. He said we would receive an email confirming that the {$5000.00} was back in XXXX 's account. 
10. We received an email, but no {$5000.00} in the account. ( email to XXXX, account name XXXX XXXX XXXX, XXXX, said that XXXX XXXX XXXX, XXXX had sent {$5000.00} to XXXX XXXX.
Product: Credit card

On XX/XX/XXXX and XXXX, a hard inquiry from XXXX appeared on my EXPERIAN credit report.
Product: Credit reporting or other personal consumer reports

I am writing to update/correct my personal information on file with your company. 

Please update my address to : YOUR name : XXXX XXXX Address : XXXX XXXX XXXX XXXX : XXXX State : Illinois Zip:XXXX Phone : XXXX Please remove all the other addresses off my report that are highlighted, as they are not deliverable to me by the U.S. post office , and they are not reportable as per the FCRA, since they are inaccurate. 

My name is XXXX XXXX Please remove any other aliases. 
Please remove all phone numbers. They do not belong to me.
Product: Credit reporting or other personal consumer reports

I am writing to dispute multiple late payments, multiple charge offs, multiple collections, and multiple inquiries that have been inaccurately reported on my credit report by Experian Information Solutions , Inc. This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681e ( j ). 
I have recently obtained a copy of my credit report from Experian, and I have noticed the presence of dispute multiple charge offs, multiple late payments, and collection entries that is not accurate. The disputed information is as follows : LATE PAYMENT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 request that Experian promptly investigate and correct these inaccuracies in my credit report in accordance with 15 U.S.C. 1681e ( j ). Please be advised that these errors have a negative impact on my credit score and financial well-being, and I am exercising my rights under the FCRA to have them rectified.
Product: Credit card

I send my bills on the XXXX ( or if a weekend the Monday after ) to all my credit accounts ( except my bank account and insurances ), the only XXXX never posted within XXXX days has been synchrony care credit. When I contacted them it was noticed the late fees are added on the due date- they XXXX ) claimed in error and XXXX ) claim they can only reverse XXXX per year. Now for XX/XX/year> bills sent out all checks are cleared except XXXX and XXXX XXXX  - both synchrony - and my credit score has gone down substantially. After speaking to them repeatedly I feel this is a retaliatory measure Cfpb XXXX XXXX ( late fees and interest charges on an account paid in full monthly and sent in mail with all other written checks ) and care XXXX. Same XXXX mailed checks- the only XXXX not received and cleared ( synchrony bank ). This company is sleezy. Please audit and force correction on the practices
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 5 name on my credit report that Ive been trying to correct for almost a year ... .. 
XXXX XXXX XXXX - not me XXXX XXXX XXXX -not me XXXX XXXX XXXX - not me XXXX XXXX -not me Ive paid in good standing XXXX car loan XXXX XXXX XXXX Never lived in any other state 2 address XXXX XXXX XXXX XXXX nj XXXX-me XXXX XXXX XXXX XXXX nj XXXX -me XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$540.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$540.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received two credit alerts on XX/XX/XXXX from XXXX XXXX XXXX and XXXX. Both indicated that they had received a new inquiry on my credit report. They fraudulently used my full name, address for application to XXXX  XXXX XXXX for XXXX XXXX XXXX. 

I have since contacted Experian and XXXX  XXXX XXXX. I spoke to personnel at XXXX XXXX XXXX and Experian, instituted a security freeze with Experian. I also spoke to XXXX  XXXX XXXX personnel who indicated they would terminate the application. 

Your assistance with this issue is greatly appreciated. 

Regards, XXXX
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA Section 611 ( 15 USC 1681i ), the method of verification for disputed information on a consumer 's credit report involves a " reinvestigation '' process where the consumer reporting agency must contact the original source of the information to verify its accuracy, and if the dispute is valid, update the consumer 's report accordingly, including the option to delete the disputed information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$35000.00} These credit accounts are the results of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

They charged me extra saying I didnt have insurance on this car and I did. The CPI policy they charged me number is XXXX saying it was effective XX/XX/2014 to XX/XX/2014. Then repoed my car because of it and did not send me a bill of sales or information as to how much the car sold for and not even showing how much I pod for the car
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX # XXXX Account Name : AXXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX SS # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX, XXXX XXXX Account Name : UNKNOWN # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I have had a lot of problems with the XXXX XXXX XXXX of XXXX XXXX California. Attached are Affidavit ( s ) letters to the point of contact ( XXXX XXXX XXXX and her associates from the XXXX.. I had a family business during the recession of XXXX XXXX and the economy got the best of us, but I paid our tax lien of $ XXXX XXXX. 

The tax lien debt was tendered in XXXX and the XXXX from XXXX mailed me a tax payer copy, showing, and expressing a tax lien release filed by the XXXX of XXXX within XXXX XXXX and XXXX XXXX XXXX California. The XXXX also went after my son XXXX XXXX XXXX XXXX creating another account number to create another $ XXXX of owed debt by filing the same debt publicly under my son. I have letters expressing the confusing and I even gave instruction to the XXXX to following up with their Headquarters, but we somehow come back to the issue yet again. Please review all attachments. 


Thank you, XXXX
Product: Credit card or prepaid card

To whom this concern, I am writing this letter out of shame. It took some time for me to get the courage to reach out to anyone with this personal financial problem. If I want to help myself, I am going to have to ask for help regarding several credit flags from State Employee Credit Union ( SECU ). I wanted to include some account information, to help you access my account easily if investigation is necessary, XXXX XXXX # XXXX confirmed that he could not give me the old account number. Since all cards were closed, I also could not get access online to obtain any details to support this complaint. My relocation is the reason I can not help myself with SECU. 

I did have a credit card with SECU. Frankly, I dont even remember the last time I used the credit card. Theres a {$1000.00} charge off for the credit card. I remember paying the card off but between then, now, and Covid-19 in between Im not certain. There is a currently active {$350.00} line of credit with {$940.00} being the highest balance. I asked XXXX to clarify how both can exist, but she ignored the question and focused on the {$1000.00} charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has ignored the fact that I am a victim of identity theft and in fact I have an attorney hired and XXXX turn this account that I did not open over to them to sue In arbitration, this account is fraudulent, I was ask to provide more information by this XXXX XXXX I never done business with us to provide my social security card and other information I was informed by several investigators and two attorneys one I do hire for the identity theft issues and now I can turn this account over to this attorney, my information was used to open this account, now Im asking XXXX XXXX dont give fees back I dont want to hear it but do want to let you know that as much yall have ignored my complaints and the ftc identity theft report is being documented and printed to show XXXX how many times I have filed numerous complaints, heres the deal I dont live at the address yall keep sending information about some car account the person at that address was leaked and now its being used as an address to open accounts thats not my address i have never lived there and my information my license has been stolen and.used yes I had to change my information because of the identity theft and no is the question Im not sending any information through the mail I dont knowing you people and I was informed not to send anything I am a victim of identity theft and do me a favor just take this off my credit report it wont be worth my suing yall in arbitration, or court it doesnt matter to me, I got so much information to show that my social security number and drivers license number has been leaked on the dark web by XXXX XXXX just to let you know I won my case against XXXX XXXX I have a data breach proving my information was leaked and compromised by XXXX XXXX, either a choice here, whats it worth, I can send numerous of documents showing he identity theft from a incident with the IRS where a scammer in another Country use my information to file and try to defraud the government out of thousands of dollars now I am a victim of identity by the us government, and I do have a police report filed by me against XXXX XXXX for identity fraud XXXX and I have ftc identity theft reports its the SAME Thing AS A POLICE REPORT and acts the same, so take my complaint and my issue seriously, I will seek arbitration and have this lawyer collect damages, now just delete the that account off my credit report and stop using my information as a result of intimidation, I will send some documents to inform and show but do not ask me for any documentation wont happen Im trying to get my life back from all the identity theft I have been through I have accounts open in my name, and Im getting fired of it now delete this account or will sue experian and XXXX XXXX, I have all these complaints I will send notification to this lawyer about this matter thank you, now delete experian or I will sue experian In arbitration.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection does not belong to me and I want it removed immediately
Product: Mortgage

I paid additional money over the past few years that was supposed to pay down my principal. Instead, Chase kept the money and called it an " advance payment. " After several complaints they finally applied my payments as principal but they did so effective just this past month, when I actually made the payments years ago. I need them to make the payment effective retroactively and reimburse me for my interest that they overcharged me during the past few years. I am also waiting for a detail of all my payments made. I need the accurate new principal amount made immediately so my arm, which readjusts in XX/XX/XXXX, has the correct new payment, which will be lower than what they are charging me.
Product: Debt collection

These accounts are ran as a chargeoff ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. But I never received the 1099 cancelation of debt form. And because of that these accounts are inaccurate and they have to be removed. Thank you.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> | sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response back. I feel like l 'm being taken advantage of and that I'm not being taken seriously. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed expeditiously. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have got in the hands of the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and noticed some in accuracies so I reached out to each credit bureau for the purpose of correcting the issues. I have sent several letters explaining how and why this information was incorrect. The credit bureaus have not provided any debt validation for the information being reported. 

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

On XX/XX/2021 I informed EXPERIAN I have become a victim of identity theft. EXPERIAN continues to report fraudulent accounts on my consumer report which has caused me stress, XXXX  and defamation of character.
Product: Credit reporting or other personal consumer reports

There are 3 bankruptcies reporting on mu credit report. I did not file nor attempt these filings. The are either fraudulent and or mistakely reporting to my credit bureaus,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I reviewed my TransUnion credit report and noticed that TransUnion was not only not enforcing statutes under the FCRA but were a accomplice to the infringement of my federally protected rights. I sent a notarized affidavit with exhibits and they are in possession of that affidavit and have not notified me that an investigation is in progress.