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

I was advised by Chase that on Monday XX/XX/2021 XXXX XXXX XXXX XXXX, my credit card was used at several department stores in XXXX XXXX for XXXX {$1200.00}. Through many attempts of speaking with Chase representatives ( including their corporate office ), I am being told that they have investigated this incident and will leave the fraudulent charges on my account for me to pay. As you can imagine, I am very upset being a victim of fraud and to be told by the company who should be protecting me that I benefited from the charges. I was at work, I supplied them with my timesheet, receipt from my lunch that say and a receipt from the car dealership that same afternoon showing i was in XXXX. I am still in disbelief so I wanted to pursue this investigation on my own. Im attaching my saved location services showing I was at work!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ran my report 3 times in short period without my knowledge or permission. I never signed any agreement ( written or verbal ). I think this is fraud. I will not except no on this. I will message as many times needed until it's removed. I own my house deed and all. I can prove this. There is no need for me to apply for a home loan when I own one out right
Product: Credit reporting, credit repair services, or other personal consumer reports

Several accounts are inaccurately reported on my Equifax report. The XXXX XXXX XXXX was already removed from the other credit bureaus as well as the Equifax report. It was removed on XX/XX/2021 but reappeared on my credit report in XX/XX/2021, which has led to much emotional and financial stress when trying to use my credit for personal and business reasons. I completely paid and closed the XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX & it inaccurately reports that I owe XXXX  now. Last week, it did not report that account or amount. I never owed a charge-off of {$3.00} at XXXX  and they never told me that I owed anything or charged-off any amount. I have ten inquiries on this report and submitted my FTC report showing I did not inquire about XXXX, XXXX XXXX, US Dpt of Education, and XXXX XXXX, XXXX XXXX. I also contacted the XXXX  and Attorney General 's Office as well as contacted each company with legal documentation requesting the accounts be removed from my account for violating multiple FCRA violations. Documentation is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion did not investigate an account on my credit profile for Dpt of ED / XXXX, XXXX XXXX, and US Dept of Education/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have severeI items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. Chapter XXXX Bankruptcy, XXXX XXXX. XXXX XXXX, US DEPT ED, XXXX, 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 XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting

Equifax is reporting inaccurate information on my credit report passed the 7 years statue of limitations in California ... some of the items are 14 yrs old ... why?? these items shouldve been deleted years ago..
Product: Debt collection

Aldous and Associates were hired by XXXX XXXX. I cancelled my membership and the fitness company continued to charge me. Aldous and Associated place the owed amount on my credit report, however I paid this company in full. When I disputed the case with XXXX, they still did not show that the account is paid in full. I feel this is fraud and I want the information updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account ( XXXX XXXX XXXX XXXX ) first reported to my credit report on XX/XX/. It has been 7 years since this account reported. As the FCRA states that accounts 7 years or older musut be removed from your reports. I will fill a complaint with the CFPB as well. This account by law needs to be removed. Experian has not removed this information as well.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I regrettably entered into a contract with TitleMax who with great deception explained to me the conditions/terms leading me to believe this loan would be relatively simple and quick to repay and with a small flat interest rate. The employees undoubtedly took advantage of my lack of knowledge and experience. 
To my dismay I am unable to find the exact date I entered into this contract despite The fact that the website claims by downloading the app you're able to view your payment history.. Come to find out that is not true. Evidently when I make a payment each month towards my balance of what i thought was to take repossession of my title it is in reality only renewing the contract. That all on it's own is not at all what was explained to me and/or explained to my wife. I have asked in person for a payment record but titlemax has failed to provide this or any additional information or explanation whatsoever. I Would estimate I have been paying titlemax monthly for at least a year now, Which would total much much more than I ever would have dreamed I would be paying them and for something I already own. My vehicle has been repossessed by them one time as well which I had to pay over XXXX XXXX dollars to get back. The payment I am required to make every month fluctuates an average of XXXX dollars or so and it seems nobody at titlemax can give me a legitimate reason as to why. I am frustrated beyond belief with this loan shark of a company. There must be something I can do or by God 's grace and mercy someone able to help me. I feel there should be something in place to bring awareness and hopefully prevent others from falling into this trap.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I had previously submitted Complaint # XXXX. 
I am an XXXX year old XXXX. I sent in NEW information in this complaint after Chase Bank official XXXX XXXX, Cardmember Services responded XXXX XXXX, 2016 advising MERCHANT ( XXXX XXXX XXXX , XXXX ) responded. 

This new information is of great concern as the " Hold '' I put on my Chase Bank Credit Card of {$5400.00} + {$500.00} is about to be removed and given to this unscrupulous XXXX XXXX XXXX, who not only improperly XXXX, after written agreement and XXXX promising No Posts would enter XXXX -Wrong! They did - causing XXXX. He has also refused my rightful, paid-for XXXX discount. 

I also provided CHASE Bank full information Notes and XXXX from XXXX XXXX XXXX XXXX, stating and showing XXXX XXXX XXXX went directly into my XXXX, and were causing XXXX. This was already submitted to Chase! 

XXXX XXXX also refused the XXXX XXXX XXXX of XXXX % Discount, which I paid for, and of which he is a member, and how I actually found him. There is a XXXX XXXX letter I have attached where they claim XXXX XXXX XXXX will not even speak to them, and advise I report him to the Florida XXXX XXXX XXXX. I have already reported XXXX XXXX XXXX to the Florida Heath Dept. who has contacted me and are about to deal with him for his unprofessional behavior. What is at stake here is my {$5400.00} + {$500.00}, total : {$5900.00}. 

1 ) I am enclosing the Letter from Chase Bank Official, XXXX XXXX, Cardmember Services who demands : I Provide a XXXX Opinion from a reputable Merchant or Service Provider if work by XXXX XXXX XXXX was done poorly or was unnecessary. Also demands specific information showing Why the work was poor or unnecessary. Demands an Invoice showing what XXXX Merchant would charge to resolve the issue. The XXXX Opinion should be written on Company Letterhead signed and dated by the Merchant!! 
These demands are unconscionable! No Doctor voluntarily demeans the work of another doctor! This is a known fact! What is being demanded here by Chase, or through XXXX, is tantamount to the level of information a XXXX suit in court would require. It demands an Expert Witnesses Doctor who is paid for his opinion. 
2 ) I am including documents which XXXX XXXX XXXX had me sign before XXXX. 
If you read them, they are also unconscionable : To force a patient to sign, before XXXX that : " I agree not to file/engage in any Credit Card or/Care credit chargeback as procedures chargebacks are not permitted with this office under any circumstances. I will not engage in any disputes through Credit Card Co. or XXXX XXXX XXXX XXXX to recoup fees on any medical and all procedures provided. 
This says : " No Matter how I harm you, you agree to do nothing ''. 
Frightening that a Licensed XXXX XXXX would even request a patient to sign this! 

Note : I already submitted in Complaint # XXXX Notes and XXXX from XXXX XXXX XXXX XXXX, which I am attaching here. 
I am attaching New Information XXXX/XXXX/2016 from XXXX XXXX XXXX XXXX XXXX who found XXXX by XXXX XXXX. Recommends XXXX XXXX PLEASE NOTE : XXXX XXXX XXXX before XXXX are attached ; where he assured me and my husband NO XXXX would enter my XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Thu, XX/XX/2021 XXXX XXXX EDT, Signing on from from XXXX browser to website XXXX exchange and they froze my account even though i have authorized it was me, i have not been able to get my account unfrozen i sent them a support ticket email for 4 days its now Saturday, XX/XX/2021 and not one have been able to help me plz help my assist have been locked this company used to have XXXX  quick help support team now it's ghosting me and taking my money hostage
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XX/XX/XXXX The following inquiry was not and should not be reporting. 

XXXX XX/XX/XXXX The following inquiry was not and should not be reporting. 


In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 consumer 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 ) ( a ) 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 reporting, credit repair services, or other personal consumer reports

I've tried to have my Equifax credit report pulled by multiple companies. ( XXXX, XXXX XXXX and XXXX XXXX and none of these companies are able to pull my report of see my score. Ive contacted Equifax numerous times and they can't see where there is a hold or fraud alert on my account.
Product: Credit card or prepaid card

I had clicked on a website that believed was a promotional offer for an unsecured XXXX credit limited credit card XXXX  by XXXX XXXX and serviced by XXXX XXXX XXXX toompany. I applied and i was approved. The confirmation email looked cheap, it was formatted weird and looked unprofessional. Another red flag was the basis or explanation for the factors used to determine my credit worthiness, the report stated my credit score was XXXX. I knew it was way lower then that. Today is the 4th day since i applied and i was expecting the card, if it was going to arrive, itd arrive today but instead i received an email from a company called prosper thanking me for applying for a loan but iwas not approved. I never applied for a loan through prosper. There is no company link or contact address on the confirmation email i received for the XXXX  card, just the website html address. XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX  XXXX  XX/XX/year>2022 XXXX XX/XX/year>2022 XXXX XXXX XXXX XX/XX/year>2022 XXXX XX/XX/year>2022 XXXX XXXX/XXXX/2022
Product: Credit reporting

I have a Chapter XXXX discharged bankruptcy that 's reporting on my credit report. After contacting Experian I was told that the bankruptcy was verified as mines and that it could n't be removed. I asked the Experian representative what could I do? XXXX did an investigation and told me I had a mixed file. I was told by the Experian rep to contact XXXX and I did. XXXX sent me a report with their investigation and stated that they removed the bankruptcy. My local bankruptcy court in the XXXX District of Illinois stated that there 's no bankruptcy reporting on my social security number. After XXXX reinvestigation, they have removed the bankruptcy from my report. Please find I 've included my local bankruptcy court communications, XXXX statement of bankruptcy removal, XXXX proof of bankruptcy deletions.
Product: Debt collection

LVNV added a collections account to my consumer report without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Thank you for your time This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681e ( b ) Compliance and procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 consumer 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.

15 U.S. Code 1681 to ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

the following personal information is incorrect I demand that the following personal information be DELETED immediately XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, PA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, DELETE all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX, Texas XXXX XXXX : XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX Dear Experian Credit Services, This letter is a formal request to remove unauthorized inquiries from my credit report. I havent applied for credit because I know my credit is not good due to false and wrong information on my report. I have also never had an account with you. 

XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Please note that before making this request, I sent letters to the organizations responsible for these inquires asking them to remove their unauthorized inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter. 
In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 
Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at ( XXXX ). 

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

There is account appear on my report without my understanding.    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   Account #  XXXX
Product: Credit reporting or other personal consumer reports

I just pulled my credit report and I recognize some unauthorized inquiries on their that's inaccurate. Can you please remove them. 
According to " FCRA '' these unverified unauthorized items must be removed. 
15 USC 1681b
Product: Debt collection

Diversified Consultants Account XXXX Amount ; {$2700.00} Company received merchandise backed as a result of a trade in device. Paid final bill and company is attempting to Collect on a late fees that were generated as a result of them not canceling all lines on the account as requested when the account was pulled and merged to a different provider. XXXX failed to cancel this account. I have spoke with numerous of executive offices who have not settled the matter. Please display documents and multiple phone calls and notes from agents to display my request. Please note that if we owed any said money to XXXX at time of transfer the request wouldnt be accepted the company was billing for lines that were canceled and devices turned it that has not credited the account. Please advise to remove or display documents as such within 30 days failure to do so please remove item from report or I will exercise my right under FCRA to sue for false information being reported.
Product: Credit reporting

In XXXX 2015 after moving from XXXX, XXXX we contacted XXXX several times telling them we 've moved to XXXX, XXXX XXXX, and that we could no longer get a consistent connection. After about the 5th call they returned our call and said they would have their engineering dept review the situation, and that they would get back to us. 

Approx 7 weeks later they finally got back to us and said there was nothing unusual about the dropped signals. We told them that it was unacceptable and we wanted to discontinue our service if they could not provide a signal that was usable to us as customers. A couple weeks later they called us back and said there was nothing further that could be done to remedy the situation and we were denied the opportunity to speak with a supervisor in order to address this issue. 

We called several more times asking for a supervisor to return our call. Around XX/XX/XXXX they said there was nothing further they could do and our account had been turned over to a collection agency and we could only deal with them at this point, this, after we had asked for a supervisor to review this situation all along! It is ridiculous to imagine any customer would pay for a product that they could not use! 

It is both inappropriate and unethical for XXXX to attempt to commandeer my hard earned money from me for their inability to deliver service and obfuscating the issue by simply placing the account into collection with : XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX Instead of addressing the issue of concern XXXX is using the collection agency as a vehicle to extort money out of me and ruin my excellent credit. I have already had my credit score lowered and lost a mortgage over this issue. 

XXXX nor any company should get away with such atrocious business practices at the expense of loyal customers. Your assistance in this matter is gratefully appreciated. 
XXXX XXXX