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

XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, the following accounts are STILL inaccurate and those companies are STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MA XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MA XXXXXXXX KIND REGARDSXXXX XXXXXXXX XXXX
Product: Debt collection

I XXXX XXXX made MANY calls to this collection agency in regards to their business being placed on my credit report ... I was directed to their website to make payments in which I have done just as I was told.. as per request I asked to speak to a member of management in regards to the fact that I C System still to this day is currently on my Credit report and all FOR THE LAST PAST 2 MONTHS ... I 've been told JUST ABOUT ANY THING JUST TO GET ME OFF THE CALL AS I REQUESTED FOR A MEMBER OF MANAGEMENT FOR HELP ..., AS I 'VE BEEN PROMISED I C System sent notification to ALL 3 Major Credit Reporting Bureaus to update their systems via account PAID / PAYMENTS .. I was also promised to receive a copy of the notice via regular mail / fax / email.. THE EMAIL THAT WAS SENT WAS BLANK!!! as to this day I have not receive ANY notices and the fact I made very clear to TEAM LEADER ( XXXX ) ID # XXXX .. I. C SYSTEM INBOUND CALL REPS ARE RUDE AND VERY DISRESPECTFUL.. I REALLY WANT I. C. SYSTEM OFF MY CREDIT REPORT ASAP AS TO THEY HAVE SENT THIS ACCOUNT BACK TO ATT/DIRECT TV.. WHOM I AM FOLLOW UP WITH AS OF XXXX I ( XXXX ) SPOKE w/ ( XXXX ) ID # XXXX XXXX/ XXXX XXXX BILL Location XXXX XXXX XXXX Name/Serial # ( XXXX ) *** dcd : XX/XX/XXXX / Service : XXXX ... I. C SYTEEM IS CURRENTLY STILL ON MY CREDIT REPORT AND IS NO LONGER COLLECTING ON THIS ACCOUNT FOR ATT/DIRECT TV.. THE TEAM LEADER PROMISED THAT HE WOULD FAX ME PROOF THE COMPANY REQUEST THIER COLLECTIONS TO BE REMOVED FROM REPORTING 3 MAJOR CREIDT REPORTING BUREAUS WHICH I 'VE NOT RECIEVED PROOF OF STILL TO THIS DAY.. I. C SYSTEM REFRENCE # XXXX Full amount {$320.00}
Product: Credit reporting or other personal consumer reports

I called JC Penneyon XXXX XXXX XXXX to verify a charged off account on XXXX XXXX XXXXXX/XX/. I spoke to a representative and gave my social security # to access the account and the account can't be found. This account # XXXX obviously does not exist and the account should be deleted. 

JC Penney XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX
Product: Debt collection

This particular phone number called five times yesterday and four times already today ( XXXX/XXXX/15 ), but will not leave a voice mail. When i searched the phone number, it shows repeated complaints about this being a debt collection agency called GE Money Bank that makes repeated calls to individuals on the same day or even just one day after a payment is due on a debt. I am not late on any debt payments and do not have an account affiliated with this group that I am aware of. And, it appears I will have to block them to get them to stop calling my cell phone.
Product: Debt collection

I have been successful in removing some accounts from SCA collections off of my credit report due to HIPPA violations but other accounts remain from the same creditor. XX/XX/XXXX an account was removed due to HIPPA violations but recently other accounts have been updated. 

The information is very inconsistent and unreliable. This is causing adverse effects to me obtaining credit. The same account number shows as deleted and then it also shows as updated on the same report.
Product: Debt collection

I joined XXXX XX/XX/XXXX for a discounted year rate that was being promoted. Within a few months I found that the site was inefficient so deleted my profile and canceled my subscription. The last time I received an email from XXXX was XX/XX/XXXX. This past XX/XX/XXXX I received an alert from my credit card due to likely fraudulent activity with a request of {$550.00}. Prior to that time I had not received any notification from any vendors about owing money so informed my credit card the amount was fraudulent and to have it removed. Within the month I was contacted by XXXX personale and told to pay the requested amount. I informed them that I never requested this service and that my last communication from them was XXXX of XXXX. I had never received any notification from them informing me that I would be charged for this service. I also let them know that I have not been on their site or used any of their services since that time. I requested they review their records to verify this and remove the debt. They once again requested the money and I responded that the debt is not mine and requested for it to be removed. They stated that I needed to pay the debt since I am listed in their records as wanting the service. On XX/XX/XXXX I was contacted by RFGI stating that XXXX has sought them out as a debt collector to procure the money. I explained that the debt is not mine and requested a validation. I am awaiting their response.
Product: Money transfer, virtual currency, or money service

Paypal refused to cancel a {$30.00} transfer my wife and I made in good faith for a purchase that turned out to be fraudulent Case Number : XXXX. The payment was made on XX/XX/2020 Transaction ID : XXXX and was supposed to be for the purchase of tickets to an outdoor venue from a private seller. We never received anything from the seller after making the payment through Paypal, because we were defrauded. My wife and I tried numerous times to reach out to the seller via e-mail and XXXX but received only a single response that seller would confirm receipt of the funds. 24 hours later, I disputed the transfer in order to cancel it. Paypal took 23 days to review my dispute and finally decided to allow the criminal keep our money. Paypal e-mailed me information about their decision and provided a phone number XXXX to inquire about the processing of the dispute ; however, the number Paypal provided is a non-working number as of XX/XX/2020. The dispute has not been resolved to my satisfaction.
Product: Credit card

My wife has XXXX credit card accounts with capital one account # XXXX and # XXXX in XX/XX/2015 capital one posted XXXX payments to account ending inXXXX have contacted them about the error which subsequently generated late fees on account ending XXXX. which capital one said they were reversing but have seen no result of the impending reversal, and was not assured that any negative report to credit report would be corrected as a result of their internal error causing XXXX account to show late in their records. which also generates deragetory reporting on credit report. Want all subsequent late fees and negative reporting to credit bureaus.
Product: Credit reporting or other personal consumer reports

I received an email from Credit Control saying they received my account for the XXXX XXXX XXXX charge and that was delinquent in collection status that needed to be taken care of I had it with another company but it was paying out payments but they dropped me I guess and it didn't continue with autopay some for some reason out of my control but I paid it in full on XX/XX/year> for {$210.00}. I I did receive an email confirmation saying they received my payment I called them directly and they said that it would take about a month but they would be contacting the credit bureau and getting that taken care of off my credit report and the additional users which is my other half because it was on his as delinquent credit report also but it would be taken care of and it would fall off my credit report and be no longer delinquent on my credit but is not is still on there almost XXXX  months later as derogatory and it is unacceptable I take care of it immediately with them. It was Credit Control LLC I can provide the emails if need be I did dispute it on XXXX but nothing has been done I think I also disputed on the XXXX website also nothing has been done thank you if you need the additional users information I will be able to provide that also thank you for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

Customers who pay for unlimited mobile data have a right to expect to get ... Then when I try to call I'm told I have very little time or a XXXX balance. ... I was a costumer with XXXX XXXX XXXX and out of XXXX Billing Cicely 11 where wrong. 

XXXX  trade in XXXX XXXX incorrectly charged XXXX customers for exceeding data cap btw that was from FTC i filed also
Product: Checking or savings account

Back in 2022 I think it was someone took money from my bank account without my permission or authorization by hacking into my XXXX account and i contacted XXXX and they told me to contact my bank which i did and the amount was almost XXXX dollars which is almost all the money I had and was saving for a special occasion... .I had the same issues before with XXXX and XXXX and changed my password so many times but this person kept getting in there some how ... ..it 's not my fault and should not be paying the price for this ... .whoever banks with this bank better watch out cause they are giving people permission to steal money from you and they do not care .... 
Oh and their way of handling my issues with these apps and having this happen is to close my account and end my relationship with them ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 

I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, XXXX, and XXXX did not modify or remove anything. 

So I asked for the description of the investigation according to 15 USC 1681i. I still didn't receive anything. 

The following accounts are the ones being referenced for the above-stated issue. 

XXXX XXXX Acct # : XXXX XXXX  XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX 
Acct # : XXXX XXXX  XXXX has also already sent me a letter ( Attached ) stating I am not responsible for the debt referenced above, yet neither XXXX nor XXXX want to comply with this information I've submitted ( along with the required identity verification documents ) NUMEROUS times. I do not understand why I am having to repeatedly battle an account I keep proving time and time again does not belong to me and is the direct result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Accounts # 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 can not furnish a account without my written instructions 15 U.S.C 1681C. ( A ) ( 5 ) section states : no customer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/2020 at XXXX XXXX  the person name XXXX XXXX transferred XXXX dollars out of my chime account. I contacted chime and told them about it I even did a dispute they emailed me days later saying they didn't find any errors and I couldn't get my money back. I feel that was unfair to me cause I would never send anyone that kind of money that I don't know.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX account # XXXX has validated my rights 15 USC 1681 section 602 states I have rights to privacy 15 USC 1681 section 604 a section 2 it also states consumer reporting agency can not furnish in account without my written instructions 15 USC 1666B : A creditor may not treat my payment on credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

I Received alert from XXXX XXXX this bank Syncb/XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX was running my credit report on XXXX/XXXX/XXXX I did not apply for credit on this day nor with this store if I apply for credit I always apply in person at the stores I have an open account with this bank that I applied in person at the store as I was advised to never give personal information on the phone nor the internet unless I know the company and have verified the security of my information. I called this company to complaine and dispute the Application I was told that i have 2 pending applications the represenitive said he put in the the dispute but it would take up to 60-90 days to clear it up if they could verify fraud I found this to be very unprofessional as it only took them a few minutes to check my credit ( I saw them on my credit report ) As I explainened to the Represenitive for the bank I do not want nor did i apply for a credit card for this store I requested them to remove this application and not give me a card for XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's information on my background check from over 7 years ago that is being sent to possible places of employment and getting in the way of me securing a job and providing for my family. This most recent incident is putting a hold on my employment with a company and the general manager of the company has emailed them every day and asked if I ever received any correspondence in which I received a letter saying that my conditional offer of employment may be revoked because of the outdated information. 

The agency that reported the outdated information is XXXX XXXX XXXX XXXX, a HireRight company
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft due to the Equifax data breach, and I've discovered misleading items linked to my profile. These are not affiliated with me, and I never authorized them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Mortgage

I'm currently on a disaster forbearance plan that's protected from credit reporting. My credit score dropped by about XXXX points due to delinquency reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report fraudulent activity on my credit report I have provided XXXX XXXX with all of the necessary documents order law and they have removed the portfolio account from my credit report. 


By law Experian must report all accurate information XXXX XXXX has removed and deleted the profile from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with : Account number : XXXX - Original Creditor : XXXX XXXX It saddened me to learn that you somehow Equifax verified the disputed item, electing to leave it on my report. I am certain that the item I disputed is incorrect and should be removed, so I tried to my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my disputes and have gotten NO response and the erroneous item is still on my report. 

Note : XXXX XXXX was removed from my XXXX  report on XX/XX/2021! 

I am very interested to learn how Equifax 's investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with proof of my signature ; including all names and contact information of employees that Equifax spoke to as part of this investigation. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded because of this unfortunate error. Therefore, I request that they DO NOT send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of Equifax via email, fax, mail and on the phone with a representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive called and wrote Transunion To Remove These XXXX unauthorized credit inquiries I do not have no accounts with this company ever!!
Product: Credit reporting or other personal consumer reports

Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
XXXX XXXXXXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account I did not attend school and this is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
ccount name XXXX/DEPT OF ED Account number XXXX XXXX/DEPT OF ED Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXXXXXX XXXX XXXXXXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
ccount name XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised while I was oversees XXXX in the U.S. Military between XX/XX/XXXX - XX/XX/XXXX. During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

XXXX XXXX  XXXX 1. XX/XX/XXXX XXXX XXXX  XXXX 2. XX/XX/XXXX XXXX XXXX XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 5. XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a formal complaint regarding XXXX Banks failure to provide the necessary documentation and support in a {$XXXX} wire fraud case. Despite multiple requests, XXXX has refused to issue a XXXX XXXX XXXX XXXX, which is required to proceed with law enforcement investigations and fund recovery. The delay has significantly hindered my ability to take appropriate action. 

XXXX XXXX : On XX/XX/year>, I was corresponding via email with my vendor, XXXX, regarding payments I owed him. During our exchange and within the email thread between XXXX and XXXX, XXXX requested to update to XXXX payment details. However, I later discovered that the senders email address had been fraudulently altered by changing XXXX letter : Legitimate Vendor Email : XXXX Fraudulent Email : XXXX ( " XXXX '' replaced with " q '' in " management '' ) Unaware of the fraud at the time, I transferred {$XXXX} to a fraudulent account. 

Chronology of Events : XX/XX/year> : Fraudulent party intervened in my email correspondence and instructed me to update wire transfer details. 

XXXX XXXX XXXX : I unknowingly sent {$XXXX} to the fraudulent account. 

XX/XX/year> : XXXX contacted me stating he never received the funds. I immediately contacted Chase Bank and filed a police report with the XXXX XXXXXXXX XXXX XXXXXXXX Department ( Report # XXXX ). 

XX/XX/year> : XXXX XXXX, now assigned to the case, informed me that he was sending a subpoena to XXXX Bank, the recipient bank. 

XX/XX/XXXX XX/XX/year> : I repeatedly requested the Financial Affidavit of Fraud from Chase Bank, but XXXX has refused to provide it. Instead, XXXX has sent me an indemnification agreement, which appears to be an attempt to absolve the bank of liability rather than assist in recovering the funds. 

XXXX Banks Failures : Failure to provide the required XXXX XXXX of XXXX despite multiple requests. 

Lack of urgency in investigating and attempting to recall the fraudulent transfer. 

Obstructing my ability to report and recover the funds. 

Requested Resolution : XXXX must immediately release the XXXX XXXX of XXXX within XXXX hours. 

XXXX must provide a written explanation for the delay in providing this document. 

XXXX must formally investigate the fraud and attempt to recall the funds from the recipient account. 

XXXX XXXX XXXX XXXX XXXX : If XXXX does not comply, I will escalate my complaint to the Office of the Comptroller of the Currency ( XXXX ), the Federal Trade Commission ( FTC ), and the Federal Bureau of Investigation ( FBI ) Internet Crime Complaint Center ( XXXX ). I will also consult legal counsel to explore potential liability claims against Chase Bank for its negligence. 

I expect a response within XXXX business days. Failure to act will result in further escalation through legal and regulatory channels. 

police report number XXXX
Product: Debt collection

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

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 XXXXXXXX XXXX, has violated my rights 15 U.S.C 1681 Section 602 A.State 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.

15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer report an agency may meet any consumer reports they need any of the following items of Information other than records of conversation of crimes which antedates the report by more then seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnished any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.