23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I rented a XXXXl ( reservation # XXXX ) on XX/XX/XXXX. I dropped it off a day early ( XX/XX/XXXX ) at XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX where it was scheduled to be dropped off at. Without notification nor my approval they charged my Chase XXXX {$720.00} for " returning to the wrong location ''. Although I have XXXX pieces of documentation proving that I was scheduled to drop it off at XXXX 's which is where I dropped it at. 

I tried resolving this with XXXX 's and they told me it was out of their hands but that I needed contact U-Haul directly. I did that and they told me that I wouldn't be charged but then I was charged on XX/XX/XXXX. When I called them back they told me they couldn't do anything but I'd need to work it out with XXXX 's. So both XXXX 's and XXXX corporate kept pawning me off to the other. At this point I went to Chase to dispute the charge. 

I disputed the charge with Chase multiple times. Their dispute department would tell me that the phrasing I used ( being " incorrect amount '' ) was incorrect and that's why I lost the dispute so they told me to use different phrasing and resubmit the dispute. I resubmitted saying that it was an " over charge '' and they again denied the dispute on terminology, telling me that I needed to use different wording to I submitted the dispute again saying that it was an " invalid / inappropriate charge '' because the charge was for returning to the wrong location but I have proof that I returned to the correct location. Chase denied that also telling me that they can only dispute a certain number of times and they'd already paid the merchant. The last supervisor that I spoke with XX/XX/XXXX from XXXX to XXXX told me that she agrees that I shouldn't have been charged, but unless the original dispute included the initial receipt ( with XXXXXXXX, not XXXXXXXX XXXX XXXX ), and the reason for the dispute being " compliance '' then it's too late and they can't do anything to help me. I expressed my frustration that after speaking with 6+ Chase Visa representatives and spending several hours on the phone with them, why am I just now being told this if it's too late now. 

Chase should not have paid this charge in the first place because I hadnt done business directly with XXXX booked the XXXX through XXXX website and paid XXXX directly. XXXX was simply the drop off location and because I had not made the original purchase ( rental ) through XXXX, I had no agreement with them. They do not have a signature of myself accepting or agreeing to pay the bill that they charged to my card, and as already pointed out, the charge was a fraudulent charge anyway. The definition of fraud is an intentional deceptive action designed to provide the perpetrator an unlawful gainthis is what XXXX did. I had no agreement with them, I did not do what they charged me for doing ( returning the rental to the wrong location ) and I provided proof that I did return it to the correct location, so it was an intentional action on their part to steal my money by claiming I returned it to the wrong location.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed this account stating : " I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ". I don't agree with the results of your investigation. all 3 credited TransUnion, XXXX and XXXX doesn't have same info.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your help to REMOVE some items from my credit file that occurred because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$860.00} ; XXXX XXXX XXXXXXXX Balance : {$24000.00} ; XXXX XXXX XXXX XXXX {$1300.00} ; XXXX XXXX XXXX XXXX {$2300.00} ; XXXX  XXXX XXXX Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$400.00} XXXX XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00}
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased a laptop computer from XXXX with my Discover card. The brand name is XXXX. The computer did not boot up - it was defective, showing a blue screen and error message. We called XXXX and they were supposed to send a CD that could correct the problem. It was never received. I decided I needed to return the computer and obtain a refund. 

I contacted XXXX from which the computer the purchased. Amazingly they reported they had no history of the transaction. ( A few months later they were able to locate the purchase. ) I contacted Discover. They agreed to look into it and gave me a temporary credit in the amount of the purchase ( {$1000.00} ). It posted on XX/XX/XXXX. 

I have contacted Discover by phone and utilized their email dispute service. I have uploaded information indicating that I returned the computer to XXXX on XX/XX/XXXX. 

I uploaded a letter from XXXX indicating a credit was issued to my Discover card on XX/XX/XXXX, XXXX says their investigation is complete and I owe the money. This is absurd and certainly not in keeping with Visa or Mastercard 's  practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent " On XXXX XXXX. Pro Collect added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I'm no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there is no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this is mine. According to FCRA, Pro Collect has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.On XX/XX/XXXX Pro Collect response : '' Procollect received the consumer 's account from our client XXXX XXXX XXXX on XX/XX/XXXX. The consumer owes a balance of {$3100.00}. The consumer 's dispute has been noted and the account has been updated. 
Procollect will mail proof of the debt to the consumer 's address XXXX XXXX XXXX XXXX, XXXX, MS XXXX. I apologize for any inconvenience this may have caused. The consumer may provide Procollect with any correspondence that proves this debt to be invalid by email to XXXX or fax XXXX XXXX. The consumer may contact Procollect @ XXXX to pay the balance in full over the phone with a credit or debit card, or receive additional payment options. If the consumer has any further questions they may contact me, Mrs. XXXX, directly @ XXXX ext XXXX. 
Thank You '' I still have yet to receive validation and proof of debt. It has been past 30 days.
Product: Debt collection

I reviewed my Consumer Report My name and address was incorrect My ONLY NAME IS XXXX XXXX XXXX My ONLY address is XXXX XXXX XXXX XXXX Mi XXXX and these were inaccuracies XXXX XXXX XXXX XXXXXXXX Potentially negative Date openedXXXX Balance- StatusPaid, Closed. 
XXXX XXXX XXXX XXXX Potentially negative Date openedXXXX Balance {$2100.00} StatusClosed. 
XXXX Potentially negative Date openedXXXX Balance {$0.00} StatusClosed. {$910.00} written off. 
XXXX XXXX Potentially negative Date openedXXXX Balance {$0.00} StatusClosed. {$420.00} written off. 
XXXX XXXX XXXX  Potentially negative Date openedXXXX Balance {$450.00} StatusCollection account. {$450.00} past due as of XX/XX/XXXX. 



XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX Real Estate on behalf of XXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XXXX XXXX. 
XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX GA, XXXX Real Estate on behalf of XXXX XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XXXX XXXX. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX SD, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MO, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TN, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted XXXX and asked them to investigate and remove the inaccurate form my consumer report that they are illegally reporting that they are illegally reporting and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
This is a violation of The Fair Credit Reporting Act and this disputed item may not appear on my credit report if it can not be supported by evidence or proof.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing part of the fraudulent information from my credit file, but there are still unresolved items that should be removed. Under FCRA Section 605, you are required to remove any inaccurate records. I have already provided this documentation in a previous letter, and I am including it again. My attorney is fully aware of the situation and is ready to hold you accountable for your ongoing non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX in XXXX Louisiana. contacted me on XX/XX/2018 about collecting a debt for First Heritage Credit in the amt # of XXXX Acct # XXXX I have been making payments and I dispute this amount. They continue to call everyday at least 3-5 times or more a day. I have made arrangements with them and my account is up to date. But they still handed my account over to the law firm. Saying that I have not made payments.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting.

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 



DEPT OF EDUCATION/XXXXXXXX XXXX XXXXXXXX -- Date opened : XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX XXXX -- Date opened : XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX XXXXXXXX -- Date opened : XX/XX/XXXX DEPT OF EDUCATION/XXXX XXXX XXXXXXXX -- Date opened : XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX- Date opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have now disputed this with Experian and XXXX  and neither of them resolved this issue. 
XXXX has reported that 9 of my student loans were 90 and 120 days late on payments and my credit reports both reflect that. 
The reports show that on all 9 loans, I was 90 days late on payments in XX/XX/2016 and 120 days late on payments in XX/XX/2016. I have never made a late payment on these loans. 
In addition, each loan shows that I was current on my payments in XXXX of 2016, just one month before I allegedly became 90 days late on payments. None of the reports show a 30 or 60 day late payment, so how was I suddenly 90 days late on all of these loans? 
XXXX did not have an answer to this question either, yet my reports are still showing this. 
I have attached screenshots from my Experian credit report of the 9 loans and how it shows I was late in XXXX and XXXX of 2016.
Product: Debt collection

I got a personal loan from XXXX personal loans of XXXX dollars which the money went straight to my XXXX  checking account or savings, I had some claim fraud issues with XXXX  so XXXX  back in XX/XX/XXXX close all my accounts. XXXX in XXXX requested payments from me due to those claims, which I called back and payed them, now XXXX  apparently sold my debt loan to XXXX XXXX XXXX, in XX/XX/XXXX, apparently once I paid off XXXX bank, they stated nothing more is owe, you are clear, but XXXX  XXXX, call their attorneys O & L Law group and are filling a civil action against Me for payment? I'm confused with all the process, because XXXX Can't even find the initial loan with upstart anymore, I called upstart, they told me talk to XXXX XXXX, I called them, they were extremely nasty and told me they have no answers for me, to call their lawyer, at XXXX or email XXXX, I have 20 days to pay them, they file lawsuit case # XXXX, and the law group file # is XXXX, I just need some clarification towards this because I don't know where the money went then ... if XXXX close all my accounts and froze them and I paid them back and now they have no answers
Product: Student loan

I got a collection letter from Stride/Launch Servicing LLC , in regards to my Income Share Agreement. The Agreement states that I must be making {$50000.00} or more a year for the Agreement to collect from me. They have falsified my income, listing it around {$79000.00}. This is completely falsified, as I am currently finishing my XXXX XXXX degree and not working.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fifth try to inform you that I am a victim of identity theft and I complain to question particular item in my document discovered because of some inattention. The record I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authority. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXT XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} ; XXXX OF XXXX XXXX Balance : {$6600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX Balance : {$2300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries were fraudulently done and they were not made by me. I need them removed off of my credit ASAP. 

XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX,XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under section XXXX b and the Data breach with trans union this inquiry information have to be deleted within XXXX business days not XXXX nor XXXX  days also Title XXXX XXXX XXXX and Title XXXX use XXXX XXXX XXXX Service Reference XXXX date XX/XX/2024 XXXX XXXX XXXX Date XX/XX/2024
Product: Debt collection

In accordance with the Fair Credit Reporting act 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 with my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my identity has been stolen through the XXXX  breach exquifax breach a doctor 's office as well as my computer has been haked. I made a police report when my home computer was hacked on XX/XX/2021 I made a police report I explained to the officer that my home computer was hacked and compromised. He told me to report the idenity theft to all credit agenices I contacted them and i saw that there was a few accounts opened in my name that i did not open I desupted these account contacted the creditors and they refused to take action leaving these accounts open and they are still on my credit, 1st account is called XXXX LVNV FUNDING LLC has a open account in my name and I can not get these creditors to remove these fraudalent accounts off my credit I placed credit monitor and a credit freeze on my account please assist me in this matter I would truely appreciate it Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

1. in accordance with the fair credit reporting act XXXX Account XXXX XXXX has violated my rights.

2. 15 u.s.c 1681 section 602 a. states ihave te right to privacy. 

3.15 u.s.c 16 section 604 a section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to complaint to NAVY FEDERAL CR UNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX, and my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/1977. The XXXX  report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit card or prepaid card

When I first closed the account I had a balance of XXXX  dollars...upon adding up al the payments made it's over that...and now they are saying I owe XXXX something to them....that is not true...I have paid them off already and I'm not willing g to pay a y more and they just keep adding interest and fees to it. I have not used the card since the account was closed...I through out the card...then 

they call and threaten you 

with legal actions against 
you and talk very smart and 
down to you. This is comiety bank
Product: Credit reporting or other personal consumer reports

I went on XXXX to obtain a copy of my Experian credit report and upon trying to get my report an error message came up stating a condition exists that prevents Experian from being able to accept your request at this time I have contacted Experian on numerous occasions. First theyve stated they would look into the matter and provided me a case number which was XXXX. They told me to submit a copy of my drivers license which I have done. Once I submitted my drivers license. Experian stated the problem would be resolved, however, it was not. Since then I contacted Experian and they stated there was nothing they could do and they tried to sell me their product.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

On XX/XX/year> - XXXX XXXX XXXX XXXX XXXXXXXX XXXX ran several credit checks to make sure they found me the right lender. Please delete the following uncomfirm inquiries due to lacking certiable evidence unless physically certified verified proof is being demonstrated per U.S. CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act. Once you have fulfilled my request, mail me an updated credit report reflecting these changes. Thank you! 

Inquires : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX XXXX XXXX is reporting a collection for a timeshare that has been paid off for years. I never stayed there, paid all my maintenance fees up to the time I told the company they could have it back and sell it to someone else!!!