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

XXXX XXXX XXXX XXXX date opened XX/XX/2015 This company is reporting inaccurate information on my credit report in the amount of XXXX XXXX I ve tried to communicating with the company yet have to receive proof that the account was mine in writing. I will like this information removed from my credit report immediately.
Product: Vehicle loan or lease

i became XXXX during the time i had the vehicle. 
the vehicle was reposessed at my probation office. 
i was XXXX for 15 months and the vehicle went to auction. 
i know the vehicle was sold and i am trying to get this item off of my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have noticed the following fraudulent accounts on my credit files : XXXX - Opened XX/XX/XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Furthermore, I am allowed under the HIPPA LAW ( Health Insurance Portability Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I have never given permission to the above named companies for them to release or be provided my medical information or for them to release or provide my medical information to a third party. I understand that HIPAA does allow for limited information about me but any details may only be revealed with the patient 's authorization which I have never provided, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization -Please provide a breakdown of fees including any/all collection costs and medical charges you were provided to validate this debt.

-Please provide a copy of my signature with the provider of service to release my medical information to the company reporting to you that you were provided to validate this debt -Immediately cease any credit burea

u reporting until debt has been validated by me Please send this information to me via mail, and accept this complaint as my 5th formal notice of my identity theft and debt validation request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt to validate it. According to the FCRA all debt must be validated prior to posting or any company paying for your reporting services can fax, mail, or email fraudulent debt. Furthermore, any reporting of this debt by you prior to allowing me to validate it is violation of the FCRA which allows me to seek damages from a collection agent. Due to these accounts being a result of Fraud under the FCRA you are required to remove adn block these accounts within four business days from receipt of this complaint.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The Experian credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXXXXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX ) XXXX  Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX  XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$710.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit card or prepaid card

After closing my account, XXXX XXXX is attempting to reopen a Chase credit card account in my name. I have not authorized this new account. In addition, XXXX XXXX is erroneously charging me {$95.00}. Please see 3 attachments. 

Just as important, is the fact that on XXXX I accidently sent my electric bill of {$200.00} to Chase. Please see attachment 4. I spoke to an account supervisor named " XXXX '' who told me that I would not be refunded without documentation from my bank attesting to my account status and account numbers, also a copy of a voided check, plus a statement that shows the transaction, Can not return without addtional details provided.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is 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 or information 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 XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX CA XXXX XXXX XXXX Balance XXXX {$610.00} XXXX XXXX Balance : {$2100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX
Product: Credit card or prepaid card

At the end of XX/XX/XXXX, I called customer service regarding my XXXX XXXX XXXX credit card. The specific reason for my call was to confirm the details of the benefit change for the {$300.00} annual XXXXXXXX XXXX and the new {$25.00} per month restaurant credit. The annual fee had just been renewed on my credit card and I wanted to confirm that I would receive the {$300.00} annual XXXX XXXX  if I made a XXXX hotel purchase by XX/XX/XXXX. The Amex phone representative confirmed this and as a result I cancelled a free hotel night at another hotel chain and instead made a purchase at the XXXX XXXX on XX/XX/XXXX which was for over {$300.00}. 

When I called later to inquire about why I had not received my {$300.00} XXXX XXXX, I was told that it was based on my renewal year. This information was not disclosed to me by the phone representative and also a reasonable expectation would be that the renewal year would coincide with the time that the annual membership fee is billed. If this was not the case, I should have been told by the phone representative. 

I called and submitted a complaint to American Express regarding this issue on XX/XX/XXXX and requested that my case be reviewed and exception made to give me the {$300.00} XXXXXXXX XXXX I was told that the original call would be reviewed in 48 hours. It has been over two months and my case XXXX is still outstanding. I called again today on XX/XX/XXXX and the issue had still not been resolved and the phone representative could not find the case number and said that I should contact XXXX to find out about a complaint with American Express. 

As of today, XX/XX/XXXX, I have still not received a response from American Express on this issue and complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute the accuracy of XXXX XXXX  on my reports. I sent a letter advising information is not accurate. All 3 bureaus updated my reports with still inaccurate information. I have asked for method of verifications and got nothing. Now the account is reporting late for the last year. How is that possible and the account has been charged off since XXXX  There are late payments from this year and the balance is going up and down. They are violating the FCRA and damaging my credit with incorrect and false information.
Product: Credit reporting or other personal consumer reports

Im s victim of a data breaches by the government and other entities not once but 3 times In the last 15 years Over the last few years Ive tried to reach out to the original creditors to report the inaccuracies but Ive not been secretly in getting a resolve. Ask they do is sale my information to other companies and the proved starts all over again.
Product: Debt collection

I have received over a XXXX of phone calls from Midland Credit Management. It 's a debt collection company and every time they call and I pick up, they automatically hang up on me. Then when I call the number and speak to a customer service representative they say my name is not on their list and that they 'll stop calling me. Unfortunately, they keep calling XXXX a day and say the same thing over and over every time I talk to them on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. It is my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, noncompliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.
Product: Credit card or prepaid card

Having a XXXX XXXX XXXX Visa and a XXXX XXXX XXXX by XXXX XXXX and Bank Debit Card, for approximately the last 2 years these cards purchases were continually be " Declined '' or the merchant was being told to " Manually enter the Card Information '' entertainment activities Charges were continually being " Declined for rhetoric reasons '', text messaging for account balance were continually being manipulated with a " lower balance '' Treasury Deposits were being delayed. I have changed Banks to XXXX and the same " Text Manipulation for balance '' Now that I Bank with XXXX the same problems are reoccurring and I have been told that the " ELAN FINANCIAL SERVICES '' Monitors XXXX XXXX Bank Cards and XXXX Bank Cards and XXXX XXXX XXXX Arizona. It is my assumption that this problem was done purposely and intentionally to disrupt and confuse up to date balances and spending.
Product: Credit card or prepaid card

I disputed a charge on XX/XX/XXXX with Upgrade because I received a defective product and the merchant was not allowing me to return the product nor would they allow a refund. Upgrade opened the dispute but closed my dispute prematurely twice without considering my evidence. Each time they sided with the merchant. First, they closed it because I hadn't returned the product. I showed them proof from the merchants own website that returns are not allowed. Eventually, I received permission from XXXX on XX/XX/XXXX who is an Upgrade escalation dispute rep who told me to send the defective product back to the merchant. I returned it on XX/XX/XXXX and I have a XXXX XXXX  and proof that it was received by the merchant. The 2nd time Upgrade closed my dispute was because the merchant allegedly told them it was a valid charge and they attempted to fix the issue but it was not followed. I followed their instructions and they were not able to fix the problem ; but Upgrade still sided with them. I was not treated fairly by Upgrade. When I would call them, the reps would keep me on hold for very long periods of time. One rep named XXXX hung up on me. XXXX and XXXX who works in escalations promised to call me back with resolution but never returned my calls. Upgrade told me the merchant stated they will resolve on their end and to call the merchant. I spoke to XXXX, the merchant on XX/XX/XXXX who stated her company sided in my favor and that my refund was sent back to Upgrade. She even sent me an email stating this. I sent a copy of the email to Upgrade and was told that even though the merchant mentioned that Upgrade should refund me and that they no longer have my funds, Upgrade told me that what was sent was a copy of the chargeback and not the refund. They said I need to go back to the merchant for resolution. I called the merchant today and spoke with XXXX. After XXXX read the email that XXXX sent me which was noted on their files, XXXX rudely and abruptly hung up on me. My money is in limbo. At this point, I don't know who to believe. Had Upgrade handled my dispute properly, I would have had my refund months ago. I feel they are keeping the charge on my account so that can draw interest from it. I want my refund.
Product: Credit reporting or other personal consumer reports

FRAUD ACCOUNTS-COLLECTIONS- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LATES- XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I opened the account in XX/XX/2022, and was given a {$5000.00} credit limit. My limit was decreased to {$2000.00} in XX/XX/2022 by Citibank. I received a letter stating I should refer to my credit report, but I have no late payments or collections. The decrease in limit dropped my score that I've been working hard to raise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion and XXXX XXXX XXXX XXXX XXXX about account number XXXX that was opened XX/XX/2020 without my knowledge I submitted a copy of my police report and ftc identity theft affadavit but they denied it and said it was accurate information. I was XXXX XXXX status during the time this account was opened I contacted and they refused to block and or remove this account.
Product: Credit card or prepaid card

I applied for a Delta American Express card in XX/XX/2017 with an offer of a XXXX bonus point offer if I meet a minimum spend requirement within three months. I met the minimum spend requirement within three months. I had the account open for another three months after that. I never received the bonus. I followed up with American Express multiple times and they told me they will have to investigate the case. After six months of having the card I did not want the card anymore and closed it. Finally once I closed the card they told me the investigation has closed but they don't have a place to send the bonus due to my account being closed. They have my Delta account and can send it there as they always do but they told me I would need that card to be open.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX to XX/XX/XXXX, there has been unathorized repetitive inquiries on my report from Car and Financial Agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy on credit report is pass the statue of limitation by law its been XXXX years in havent been removed from all my credit reports by law, This need to be removed immediately. I try to resolved this issue but this is clearly has being a strain financially and cost me several XXXX of dollars trying to resolve this and do to the inaccuracies on my report I have suffered not being able to obtain credit fairly. This is clearly a violation and also According to 15 usc 1681 I have showed you actual damage Sustained by the consumer as a result of the failure advantage is not less than XXXX dollars and not more than XXXX dollars per violation
Product: Debt collection

On XX/XX/2018, my credit account showed signs of negative activity from a lender whom I never was loaned from, owed or in contact with. The bureau name is Wakefield and Associations, a medical lender. Nothing has been reported to me, I was only able to see this activity from my XXXX XXXX XXXX app that I closely and properly manage. No past payment details have been provided or reported, there is simply no trace of any debt owed to this mysterious lender. There is a balance of {$510.00} owed to said debt collector. I've contacted the company via certified mail, requesting proper documentation and debt validation to prove this is truly my debt. Thank you for your time and help with my case of what I believe to be, fraud.
Product: Money transfer, virtual currency, or money service

I was using Cash App to send & receive money from far away family members & roommates to pay our bills. Cash App closed my account for fraudulent activity. When I tried to reach out to see how or see if I could talk to someone to verify & or see how this could be fixed, I was told that I would get an email so I could dispute anything & talk to someone to see if I could get my account back. Its been months but still no email
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes, Furthermore, Experian 's actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( FILE No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

US DEPT OF EDUCATION is still showing accounts as delinquent, late payments/collections, etc. even though all student loans were deferred due to covid-19
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked XXXX XXXX AND all 3 credit bureaus to investigate some things that are reporting on my credit report. 

I have been asking since XXXX of 2019 on more than 4 times! 

I will be attaching a screenshot from my most recent credit report. But you can see the following information is reporting inaccurately, on multiple items. 

1. Accts type - this is NOT a auto loan. This is a retail sales installment contract 2. The monthly payment is incorrect! I do NOT have a monthly payment, as this has been PAID in full!!! 
3. The date opened : XXXX is reporting different things to the 3 credit burueas 4. The No of months of terms is inaccurate 5. The payment status is inaccurate 6. The Date Last Active is inaccurate 7. The date of last payment is inaccurate 8. The payment history is also inaccurate. 

I again have asked them on MULTIPLE occasions to please be sure to report the information accurately and to be sure that if they can't to please update. I will attach every letter that i have sent as well as the most recent reply from them when i asked GM directly to do so and for proof. 

They clearly like to play games and not abide by the law!
Product: Credit reporting, credit repair services, or other personal consumer reports

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.