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

Hi I am submitting this XXXXXXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently denied a parent loan by the XXXX XXXX due information reported to credit Equifax and other credit reporting agencies. The information reported on my credit are as follows - creditors and amounts are : 1. XXXX XXXX for {$930.00} 2. XXXX XXXX XXXX for {$1800.00} 3. XXXX XXXX  {$84.00} 4. XXXX XXXX , XXXX {$110.00} I contacted Equifax and reported the above information as misleading, and they deleted the {$84.00} and {$110.00}. The rest of the reported information was not deleted because according to Equifax, the creditors refused. The fact is I do not have business with people and do not know what these outstanding debts are about. I am asking you to please intervene as I need to get my parent loan approve so my daughter can attend college this fall. Thanks
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against EQUIFAX regarding inaccuracies in my personal information as reported in my credit report. 

Details of the Dispute : 1.Employer : My current employer is XXXX XXXX XXXXXXXX XXXX but it is listed incorrectly on my credit report as XXXX. I request that employer be updated to reflect the correct information. 
2.Address : My current residential address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX but my credit report shows an outdated address as XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I request that my current address be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address and current Employer.
Product: Credit reporting or other personal consumer reports

I have file several complaints with Experian and XXXX Bank concerning a credit card account I am no longer apart of. It is still showing on my credit report for Experian. XXXX and XXXX has already cleared this dispute with my credit report. I have filed XXXX disputes with Experian with the same results.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I reviewed all 3 credit reports and noticed that the late fees for XXXX XXXX ( XXXX and XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX are still not reporting accurately. I've previously mailed letters, sent emails, and have made calls only to be advised that they are unable to update payment history and that I will need to contact the credit bureaus. The credit bureaus directs me back to the creditors. I am in the process of closing on my new home and the payment history/late fees are reflecting poorly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX who is also Comenity Capital is reporting an account that was in dispute. XXXX XXXX XXXX is collecting for XXXX XXXX XXXX. XXXX XXXX XXXX did not complete the dental work correctly. I disputed the charges. They did not respond. I sued XXXX XXXX XXXX and it was stipulated that they refunded me {$1800.00} and attempted to correct the dental work. They were unable to complete the work so they referred me to another dentist. Essentially I won the lawsuit. XXXX XXXX XXXX is reporting the account under the original terms and that I was late when reality I won the lawsuit. There was a small amount still owed for other work. The terms are completely incorrect as well as the payment history as it went to court. The court case number is : XXXX and the court was XXXX XXXX XXXX. XXXX vs. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Filed X/XX/2017.
Product: Checking or savings account

On Friday, XX/XX/2022 I made an online deposit through the Chase mobile app. I am a XXXX XXXXXXXX in the XXXX XXXX XXXX and provide XXXX services. I had a check deposited for XXXX services completed for the amount of {$9500.00} from a company which I have deposited numerous times before. Chase did not acknowledge the deposit until Monday midday and stated a hold would be placed for the full amount of the funds until Wednesday, XX/XX/2022. I did not object and waited until Wednesday the XXXX to check if the hold had been removed. On Wednesday, XX/XX/2022 at XXXX Chase decided to send a letter via email stating the check would now be on hold until XX/XX/2022. I am a very small XXXX and I depended on the funds to pay my employees and run day-to-day operations. I called Chase which referred me to their Fraud Prevention Services, when speaking with the Fraud Department, I was asked numerous questions regarding the check but these questions were regarding the nature of the check, what my company does, and what services it provides. I advised them that I run a XXXX  business, which more specifically provides XXXX services, that yes my checks are most times on the higher end, and that all checks come from 2 major clients I work with regularly. The representative then went through my deposit history and I asked her to verify that this check is from a client who I deposited 2 weeks ago leading back to 3 months ago. She stated why the check was a higher amount and I re-explained the nature of my business. This is a business account so I am unsure why the predatory questions. She went on to say the check would need to be verified through both the issuer and the issuer 's bank, I agreed but stated this is the exact same routing and account number from a company I have deposited from in the past. The representative stated if they can not reach both the issuer and the issuer 's bank that the hold would remain. I was placed on a very long hold and after XXXX minutes the representative came back on the line and stated the issuer 's bank could not be verified. I once again repeated to her that I have deposited check 's from this issuer in the past, 2 weeks to exact, and have not had an issue. I have an image of a deposit made 2 weeks ago bearing the exact same routing and account number. She refused to look into it any further and stated the hold would remain.
Product: Debt or credit management

XXXX XXXX XXXX XXXX XXXX a debt negotiating Company has received over XXXX from me since XX/XX/year> for consolidating my debt. I have been receiving emails from them with phone numbers noone answers and now have found out XXXX filed a lawsuit against them CASE NO. XXXX Please help me to recover the nearly {$3000.00} already given to them. I am going to my bank today to stop all further payments. What else can i do to insure the return of my money?
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEED XXXX TO FURNISH THE HISTORY AND ALL TRADELINES ASSOCIATED WITH MY MORTGAGE FROM START TO FINISH. ALSO, MORTGAGE WAS LISTED IN OUR CHAPTER XXXX BANKRUPTCY XXXX, DISCHARGED ON XX/XX/2018. THE MORTGAGE WAS LISTED AS A DEBTORS CLAIM FOR THIRD PARTY AT $ XXXX.IN ADVERSARY PROCEEDINGS AGAINST ALL TRADELINES, ESPECIALLY, XXXX AND ALL INVALIDATED DEBTORS/CREDITORS.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw accounts reporting that I do not recognize XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2023 You Violated the United States Code Law ( TILA 15U.S. Code 1666 ( b ) billing error ) recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. If you cant apply that information then it is false allegations and you are in violation. I demand the items below all be updated to paid as agreed on my consumer report. 
{ XXXX XXXX XXXXXXXX XXXX } As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Spoke with CB/Indigo and this account was closed. Charged off as a bad debt. The account was opened on XX/XX/year>. This account was purchased by another lender that I do not have a contract with.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I requested an investigation into my credit report because their are items that I have no knowledge of. I never received any documentation bearing my signature in relation to these negative accounts. I reached out to the credit bureaus in regards to this matter and they have not conducted a proper investigation. Then I requested them to verify the debt according to the FCRA and again I got ignored these negative items do not belong on my credit report. 
XXXX ACCT # XXXX OPENED XXXX BALANCE {$630.00} XXXX XXXX ACCT # XXXX OPENED XXXX BALANCE {$630.00} THESE 2 ACCOUNTS ARE DUPLICATES. 
XXXX XXXXXXXX XXXX  ACCT # XXXX OPENED XXXX BALANCE {$990.00} XXXX XXXX ACCT # XXXX OPENED XXXX BALANCE {$1500.00}
Product: Credit card or prepaid card

A fraudulent transaction of {$950.00} was made on my Chase Amazon credit card on XX/XX/2020 at a XXXX store. I sent supporting documents to prove I did not make this transaction several times, including via the company 's official secure message portals as requested by their live representatives, but I received letters instead that nothing was received. This is very frustrating to me because I have used their requested channels, and I have even received messages in response to the submission of my documents. 

Most recently, I sent in a 2-year lease in as well as a flight ticket from XX/XX/XXXX-XX/XX/XXXX as requested. The length in the contract was assumed to be 1 year without reading the lease, and the date of the flight ticket was assumed to be in XX/XX/XXXX-XX/XX/XXXX. Please note, the lease term is on the second page of the document, about halfway down the page. When reading the flight itinerary, you will need to use the day of week written in the flight ticket to verify the year since XXXX Travel did not use the year in its itinerary. As further proof that I have been based in XXXX, I have added another airplane itinerary booked on a different airline showing travel from XXXX back to XXXX. I would like to request that someone else review my documents and correctly read the text in the documents. 

Thank you.
Product: Credit card or prepaid card

Hi I applied the usbank reserve card with XXXX points after {$4500.00} spending with 3 months. But somehow I didnt receive the promised bonus points. Contacted us bank a few times, some told me I had to wait, some told me that I could not get it since I had the card before. However us bank didnt mention anything on the term that people cant get the bonus because they have the card before. Would you please help?
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no XXXX  party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Credit reporting or other personal consumer reports

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. 


Account Name : XXXXXXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, AT XXXX XXXX, XXXX XXXX IN XXXX, FL XXXX, REPORTED A DEBT OF {$1800.00}, TO XXXX XXXX ON XX/XX/year>, THIS DEBT IS NOT MINE, I INFORMED ''OLIPHANT '', SEVERAL TIME, XXXX ASKED TO PROVIDE ME VERIFICATION AND DOCUMENTATION OF THE DEBT, ALSO TO PROVIDE ME WITH A COPY OF THE LAST BILLING STATEMENT SENT TO ME BY THE ORIGINAL CREDITOR,,,,, THE FAIR CREDIT REPORTING ACT GIVE ME THE RIGHTS TO OBTAIN WHAT I REQUESTED,,, XXXX NEVER REPLIED TO MY REQUESTS, ALSO I DISPUTE WITH XXXX XXXX '', THEIR INVESTIGATION WAS INACCURATE NEVER ASKED ''OLIPHANT XXXX XXXX '' DOCUMANTION THAT WAS REQUESTED BY ME.
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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.
Product: Money transfer, virtual currency, or money service

I successfully transfer money earlier today by using money gram to do the transaction. When the receiver went to collect the money they had a note for the sender to call money gram. When I did they start asking me personal questions! I provide them with whatever they wanted, then they said they have to transfer me to security. I said ok! Then they told that the security not gon na clear the money. I asked why they said they not gon na give me a reason, then told me the money wont be available to me for another 3-10 business days and can be longer! If for some reason they didnt want to transfer the money but why do I have to wait for up to 10 days for my money to be sent back to me! And they was very rude about it. I wont be using their services any longer just want my money to return back to me ASAP or the same time when I wasnt the one to not release the money or not sure why they didnt release the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiries I did not authorize someone is applying for things in my name and the creditors are not investigating. 

Equifax- XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

IM ASKING FOR the original instrument of indebtedness in its original form.
Product: Credit reporting or other personal consumer reports

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. XXXX XXXX XXXX Balance Owed : {$140.00} ; XXXX  XXXX XXXX XXXX Balance Owed : {$35.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; US DEPT ED XXXX Balance Owed : {$1900.00} ; US DEPT ED XXXX XXXX Owed : {$1100.00} ; US DEPT ED XXXX Balance Owed : {$3200.00} ; US DEPT ED XXXX Balance Owed XXXX {$4100.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1600.00}.
Product: Credit card or prepaid card

I was a customer of netspend premier card. My student loans was loaded on the card every 3 months. Every time my money was deposited I will have funds disappear from my account. The last time this happen I kept calling and complaining because over {$600.00} went missing and when I look at my history on my account it showed atm withdrawals I didnt make and even some store and online payments that was claimed to be purchased by me.I finally reached customer service to dispute these problems with my account. Some of the money was credited back to me but still was out of over {$600.00} in money lost.When I tried to call and ask them to dispute the rest of my money because I felt like my account was hacked I was turned down and sent a small check not even close to all my money I had lost and account was terminated. I read other post about the same issue I had and it I 'd not fair how we load our funds to this card to get done wrong by netspend and XXXX. Please help!
Product: Credit reporting

This complaint presents a separate violation. I have submitted formal demand for Experian to block the XXXX collection records reported by XXXX XXXX XXXX. XXXX XXXX XXXX falsely reports that I have not contacted them directly and that I have not submitted all required documents to show proof of identity theft including the identity theft police report and other supporting documents. Experian has sent me notice that the XXXX records remain on my credit report and direct me to contact the creditor because they have no way to contact me. That is a blatant lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account # XXXX I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting or other personal consumer reports

Flagship cre inquiry made not by me in XXXX no contact info listed XXXX inquiry made not by me on XXXXXXXX XXXX XXXX inquiry made not by me XXXX XXXX XXXX  inquiries not by me on XXXX XXXX inquiries not made by me on XXXX XXXX XXXX inquiry made not by me on XXXX