23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX, XXXX. XXXX XXXX. XXXX, XXXX. XXXX XXXX XXXX XXXX, 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.
Product: Checking or savings account

I had some unauthorized transactions on my Chime account. I submitted a dispute form couple months ago and they had emailed me back saying it would be 10 days well in ten days they emailed me saying it was denied. I asked to see the documents they used to decide that and they emailed me saying the dispute was declined because I toled them my card was in my possession at the time however right under that was a copy of the form I submitted stating that the card was in fact not in my possession that it was stolen, So I submitted what they call a rebuttal and the next day I received emails saying it was declined and the matter was considered closed, I asked for the documents again and they have not sent me anything, I've got Alot of emails back and forth with them and they are just really disrespectful and they will not fix these charges! This has been going on for over two months now!
Product: Prepaid card

Tried to use the card at a few different vendors and all were declined. Most recent was a partial payment for a XXXX XXXX purchase online which caused my whole order to be declined. Reading online, these cards are almost impossible to use.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the bankruptcy on my credit report multiple times and the credit bureaus refuse to remove it. Each credit bureau has rated that the information has been verified with the courts. The courts have informed me that they did not verify a bankruptcy filing with any credit bureau. 

I demand that the credit bureaus immediately remove the bankruptcy as they knowingly provided false information and therefore are in violation of the Fair Credit Reporting Act. They have not verified a bankruptcy with the courts Should they continue to insist that the information is verified, provide name, address, and contact information for the data furnisher in writing. I will then take legal action against the fraudulent furnisher of this information
Product: Bank account or service

I want to pay my truck payment on line to GM financial. Their website never works. You spend so much time tying to make a payment and their website keeps sending bogus security questions that I never set up. You call customer service and they ca n't help you either. So, for {$10.00} they will assist you over the phone to make a payment. This is a rip off!
Product: Student loan

On XX/XX/XXXX, I signed a student loan refinance with Earnest for approximately {$90000.00} to refinance a loan held by XXXX, XXXX. While they claim to have sent the payment to my prior servicer and began charging interest on the loan, my servicer has claimed they haven't received the funds. Earnest has said they can't do anything until after 40 days BUT continue to charge me interest on the loan thus I am accruing interest for the same amount with both servicers.
Product: Debt collection

On Monday XX/XX/XXXX I cancelled my service ( a cellphone line ) with XXXX. I requested that the cancellation be effective immediately, which I believe did not happen. I also asked whether I would be receiving a bill and was assured that I would not. Weeks later I received a XXXX bill in the mail stating that I have a past due balance of {$100.00}. I have tried calling customer service to dispute this bill but they have refused to help me because I do not have a pin code that they need in order to access my account. I asked to speak with a supervisor and the sales associate refused to get a supervisor on the line. I have been repeatedly failed by XXXX over several years, as my brother has continuously accessed my account and made changes on my account despite all the security protocols XXXX assured me they would put in place to avoid this issue. In XX/XX/XXXX I cancelled 2 lines ( I had a total of 3 lines ) and XXXX convinced me to not cancel the 3rd line so that my brother could take ownership of his line. He never did so the responsibility fell on me. Since XX/XX/XXXX the phone bill has fluctuated every month and XXXX has not even allowed me to see what they are charging me for because I do not have the pin code. This whole experience has been extremely stressful and I refuse to give XXXX any more of my time and money. I do not want to go the legal route and I am hoping that this can be a helpful means to avoid this issue going any further. I have excellent credit, have always paid my bills on time, and have never had any bill go to collections. I need XXXX to take accountability for their lack of security protocols and poor customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had obtained a copy of my credit report through a third party and noticed that there were several inquires on my credit report that were unauthorized please investigate and delete. 

XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

The debtor filed bankruptcy in XX/XX/2013 of the debt. The debt was later filed as a lien against me from Portfolio Recovery Associates, LLC in XXXX County Court, Docket # XXXX. The debt was Discharged in Bankruptcy earlier yet Portfolio WILL NOT properly communicate, address and release the lean. In contacting the company on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX, the department I am told that should address the issue has a phone number that leads to a machine where a message can not be left. They will not transfer me to anyone that can help, but state simply I must talk to the Bankruptcy department which is perpetually unreachable due to the phone number they transfer me to. Spoke to a supervisor on XX/XX/XXXX who encountered the same issue, but was unable to transfer the call to ANYONE who could help, but simply said they would send an email. So I'm to just sit here and wait?? I am in the process of trying to purchase a home and this has become a roadblock that I can not resolve. Please help me today!
Product: Checking or savings account

XX/XX/XXXX I was XXXX  by my XXXX XXXX  and I overly defended myself so he called the police and I was XXXX  XXXXXXXX XXXX. The next day after I was XXXX  i found out my car was broken into wallet and phone was stolen and my funds for my RENT were used. I have made chime aware of this situation but they have only denied me saying atm withdrawal no error this is indeed an error because I was in XXXX  and did not authorize anybody to XXXX  from me and break into my car. Im very disappointed in chime Ive been a customer for over 8 years
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX refuses to provide my consumer report to me. I am trying to request my report to verify that all of the fraudulent information has been removed from my report, as stated from EWS they stated in several letters the fraudulent information was blocked, however i am trying to confirm. I did attempt to request the report by the online portal, by phone. It seems that no one is willing to assist me in obtaining a copy of my report. I have a legal right as a consumer to request a report. Please review and send me a copy of my report by email, and please confirm that XXXX XXXX XXXX XXXX is not listed on my report. They have attempted to add numerous fraudulent accounts to my credit reports and i want to confirm if they are on my EWS report that these are blocked as fraudulent. I never opened any accounts with them, never opened membership and did not authorize any accounts with their institution. I have sent them an FTC Affidavit and notified the local police department, yet someone within XXXX XXXX continues to use my information. I do not know whom in their institution is fraudulently using my information but it concerns me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I contacted each of the consumer reporting bureaus XX/XX/22 letting them know that information on my file was inaccurate. I requested that those items and information be removed immediately because they violate rights given to me by FCRA. Those accounts and information remain. Also XXXX  XXXX XXXX is reporting information about my mortgage. I have never been late on my mortgage. XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXX are also reporting accounts which are not mine.
Product: Prepaid card

My card is locked and I can't use my funds. I already submitted the requested documentation.
Product: Credit reporting

THEY TOLD ME THEY DO NOT REMOVE THIS ON THE CREDIT REPORT WHEN MY ATTORNEY TOLD ME IT IS TO BE REMOVED IT IS OVER XXXX YEARS OLDTHEY ALSO SAID THEY WERE ADDING MY WORK HISTORY AND DID NOT. I AM SHOPPING FOR A CAR AND NEED THIS FIXED
Product: Credit reporting, credit repair services, or other personal consumer reports

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem,
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed accounts on my credit report that i have no knowledge about. They do not belong to me
Product: Credit reporting

I have filed a complaint with Equifax pertaining to inaccurate information being reported by national credit .XXXX has removed the information based upon the document I provided showing a balance XXXX XXXX for {$57.00} ..i submitted the same document to Equifax , to find they have not included the faxed document in my investigation. The XXXX is the rental property I was leasing from XXXX XXXX, til XXXX XXXX XXXXt is showing a balance of {$8300.00} as of XXXX XXXX, the beginning balance of {$3000.00} in XXXX XXXX, to my understanding collection agents does not have a right to collect more than what the balance is owed, I wish Equifax to removed the negative reporting from XXXX.due to not reporting accurate information. nor correct balance owed from date XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an authorized user on XXXX XXXX account # XXXX, a credit card with a {$3500.00} limit and very low balance. 

This company is not reporting a credit account with a good payment history, low balance, and high credit limit, which adversely lowers my credit score preventing me from obtaining new credit accounts and purchasing a home, Failing to report that I have other credit accounts that are in very good standing very good credit worthiness is a violation of my consumer rights and an unfair credit reporting practice.
Product: Debt collection

For the past year or longer I have repeatedly disputed two accounts with XXXX XXXX that are not mine. The credit reporting agency XXXX XXXX and XXXX would remove them and my score would begin to recover then it would appear again as a collection I would dispute and it would be removed. I now have been combating this account as Jefferson Capital Systems. The bureaus will no longer allow me to dispute the entries and I have repeatedly sent letters requesting debt validation and all I get are letters for payment plans. There are 2 accounts onXXXX for XXXX and one for $ XXXX. These are NOT MY accounts. Please help me remove these from my reports and stop them from placing them on my reports. They are trashing my credit score and fico scores and these aren't my accounts. I never signed for or authorized any account with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I am writing to dispute the accuracy of the account XXXX XXXX XXXX, Account number XXXX, that is currently appearing on my consumer report. Specifically, I am requesting that this account be removed/deleted from my report as it is over 7 years old and no longer accurate.

As you are aware, the Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies maintain accurate and up-to-date information on consumers. This includes removing accounts that are over 7 years old, as they are no longer relevant to a consumer 's creditworthiness.

I understand that your company may have certain procedures in place for resolving disputes such as this. However, I would like to grant you the opportunity to amicably resolve this matter by doing the following : Investigating the accuracy of the account in question, including verifying the date of the account and any outstanding balances.

Removing/deleting the account from my consumer report if it is found to be over 7 years old and no longer relevant.

Providing me with written confirmation of the removal/deletion of the account, as well as a copy of my updated consumer report.

I trust that your company will take the necessary steps to rectify this situation in a timely manner. Please do not hesitate to contact me if you require any additional information or documentation from me to assist in your investigation.

Thank you for your attention to this matter.

Sincerely, XXXX XXXX
Product: Mortgage

I paid the loan out and they suspense the balance. I have proof of what they say it was and proof of my payment. They still want more money. I paid XXXX on XX/XX/2022 It paid overnight, I call them they said they got it the next day. So then they said I owe them for insurance I had the insurance company to send them them their money back. Now they say I owe XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to remove the Fraud alert and credit freeze off my credit report ASAP!! 

I need the updates below done. I dont have a phone number on my credit report either. New Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Job : XXXX XXXX My Phone Number : XXXX Please remove the the Alerts ASAP!!!!!
Product: Vehicle loan or lease

Well first of all the whole car buying process was thru texts with dealership. He drove the car from XXXX to XXXX and I put XXXX cash down on the car which was XXXX. The dealer made a verbal agreement that if I put XXXX down I can get it for XXXX. My car was total and they say my payoff was XXXX plus, but when I look at my last statement its a little over XXXX left. I payed XXXX  month car note 5 years plus XXXX down XXXX looking at XXXX for a XXXX car. Basically I got played and my pay off is wrong.
Product: Debt collection

I advised them to contact me via in writing and disputed the debt XX/XX/XXXX. They contacted me again via phone in XXXX and was rude and hung up when I advised them of the violation. This debt was valid in writing at all. The only thing I have received is a bill no validation of the debt at all and they have reported it.
Product: Credit reporting

I have submitted a dispute with Experian for reporting a Public Record Bankruptcy on my credit report and have nothing has been done to rectify the situation. I have also complained and disputed a substantial number of inquiries that do not belong to me and as of XX/XX/XXXX, and still no attempt has been made to rectify that situation either. Per their representative I need to contact the creditors and request they remove the information. I have in writing and verbal per FCRA disputed the public record and inquires that are greatly affecting me especially with my job and I was informed they will not do any such thing. I also requested proof of verification of said public record which per Experian Representative was verified, and still have not gotten said verification. When I have contacted, Experian concerning my disputes I am asked to wait 30 days continuously. I sent certified dispute letters to Experian dated XX/XX/XXXX and XXXX, and XXXX and still nothing has been done to rectify the issues that I have experienced at the hands of this credit reporting agency. They are also reporting XXXX late accounts that was not there in the past and is reporting inaccurately. 

XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX Specialty Clothing Store XXXX XX/XX/XXXX XX/XX/XXXX Specialty Clothing XXXX XX/XX/XXXX XX/XX/XXXX Specialty Clothing XXXX XX/XX/XXXX XX/XX/XXXX Retail, Not Elsewhere XXXX XX/XX/XXXX XX/XX/XXXX Mortgage Reporters XXXX XX/XX/XXXX XX/XX/XXXX Department And Variety Stores - XXXX XX/XX/XXXX XX/XX/XXXX Sales Financing Company
Product: Student loan

The issue is that the Sloanservicing website has been basically inaccessible for months. There is actually a reddit thread about the issue. When borrowers attempt to access their loan information and/or make a payment online, the log in is just a blank screen. I actually called sloanservicing a couple of months ago because I thought the issue might have been my browser or something I was doing wrong ( although I have been making my payments and accessing my accounts for years with no issues ). I was told by the customer service rep that it was a known issue they were working on but had no idea when it would be fixed. With this information I expected the matter to be resolved in a couple of weeks or so. As I stated previously, it has now been months and there does not seem to be any resolution in sight. One of the frustrating things about the situation is that Sloanservicing is not taking any responsibility by even putting up a notice that there is an issue being worked on. Borrowers just go onto the website and you do not know it's not going to work until you enter your log in information and get nothing but a blank screen.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # XXXX, XXXX & XXXX. I previously sent a dispute letter requesting the removal for these account charge-offs based on the 1099-C forms I received, which indicates that the debts was canceled. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off. 
2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law. 
Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Please delete this tradeline off my credit report! 
This account was closed and does not belong to me! My mother took me off as authorized user. 

Account number : XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my instructions.
Product: Credit reporting or other personal consumer reports

EXPERIAN is violating my consumer rights by not furnishing my consumer report in accordance with my written instructions. 

My rights under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) ( 2 ) supports my written instructions for EXPERIAN to remove any accounts from my report, at my demand, as a requirement by law, to fulfill their lawful obligation, as it pertains to furnishing my report in accordance with my written instructions. 

Ive requested several times that they promptly remove accounts from my consumer credit report and update my report to no longer show any history of these accounts. 

After numerous attempts ( several hours ) to let them know that they were in violation of my rights and not fulfilling their lawful obligations, employees one after another, including supervisors, told me they were not going to remove the accounts from my report and they would continue to furnish my report against my written instructions which is a direct violation of 15 U.S. Code 1681b, Permissible purposes of consumer reports- ( a ) ( 2 ) and proceeded to hang up on me. 

THIS IS NOT A DISPUTE. THESE ARE WRITTEN INSTRUCTIONS. 
They have only sent mere statements saying things about a dispute and other nonsense that has not resulted in the removal of the accounts per my written instructions, which does not constitute fulfillment of my written instructions, which under law they must oblige. 

I DEMAND that they remove the following accounts immediately from my report and fulfill their lawful obligations : Account # XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Debt Buyer Responsibility : Individual Date Opened : XX/XX/XXXX Status : Collection account. {$460.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$460.00} Balance Updated : XX/XX/XXXX Original Balance : {$460.00} Terms : 1 Months On Record Until : XX/XX/XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Credit card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Account charged off. {$620.00} written off. {$620.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$620.00} Balance Updated : XX/XX/XXXX Credit Limit : {$400.00} Highest Balance : {$620.00} On Record Until : XX/XX/XXXX