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

I made an extended warranty claim with Chase XXXX XXXX XXXX warranty company XXXX for a XXXX laptop  repair. 
I charged {$300.00} for the remaining balance when purchasing the laptop. Which XXXX XXXX XXXX said is fine. 
XXXX XXXX XXXX had me send my laptop to XXXX 's service center in New Jersey to get a diagnostic for the laptop. I am in California, so shipping with insurance across the country was expensive. 
The diagnostics billed was {$710.00} for a screen, battery, labor, and shipping back to me. 
XXXX XXXX XXXX had me upload the manufacturers warranty, sales receipt, credit card statement, repair invoice. 
All these interactions took XXXX XXXX XXXX days to get back each time one was uploaded. 
Which I think was intentional to frustrate card holders from making claims. 
Then XXXX XXXX XXXX came back and asked for more documents, now asking for a replacement receipt and cost of a new like replacement laptop cost. 
I do not hear back from them for days. I finally called because I had to heard back from them regarding my case. 
I called and talked to multiple agents, and they said if I could get XXXX to send a statement saying the laptop is not worth fixing due to its age, then they would move forward with a new laptop similar to my laptop old laptop. 
I contacted XXXX XXXX support via live chat and the tech suggested because of the cost of repair, I should just buy a new laptop if that was an option. Because it is a new laptop. 
So, I sent the chat to XXXX XXXX XXXX  and instead of them taking days to look at the information, this time they issued a response immediately that they are only going to pay {$300.00} and not the repair bill for {$710.00}. 
So, XXXX XXXX XXXX  tricked me and frauded me by telling me to request a statement from XXXX to say the laptop is not worth repairing, because they did not want to pay the repair bill. 
Multiple XXXX XXXX XXXX  agents straight up lied when they said the statement from XXXX would result in XXXX XXXX XXXX getting me a new laptop. 
So now I am on the hook for the remaining repair bill because XXXX XXXX XXXX decided to commit fraud to get out of paying for the laptop repair. 
I contacted Chase and they took a report but claim XXXX XXXX XXXX is a separate company and they can not do anything. Even though chase hired this company to manage its customer extended warranties claims. 

They are so dishonest. I told them I would report them and they told me " Who Cares, Report Us ''. They record all calls when calling to their customer service line. 

Also this dishonest company makes it hard to find its physical address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion already agreed to this acct erroneous and inaccurate here proof. These accounts are not mine, they are inaccurate, unverified and unauthorized. ( Exhibit A ) XX/XX/XXXX XXXX  was removed after I disputed it on XX/XX/XXXX. Transunion has not even responded to me per the law you say you are required to follow from my initial dispute. Your only response was you removing the account. You are required to respond to me within 30 of my disputed. I spoke to a few reps today XX/XX/2022 specifically XXXX XXXX and he stated that you guys added this acct per fdcpa but that law also states your required to respond to my dispute within 30 days. Why didnt you? So that means you as the entity agreed w me the original creditor that this account is unverifiable. Later with it now being the XXXX of XXXX you re added this account back 2 business days later. What changed from then to now. 

With you removing this from my account you admitted to this law by removing it which basically means Transion didnt verify this per law. 
So what made you add this back? 
How you verify it? 
XXXX and XXXX wasnt able to verify it so how were you? 

This abusive act has cause me major financial distress and this is against my individual right to privacy This agency is in violation of 15 USC 1692 ( g ). They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device : So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), " credit card '' is defined as the following : The term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.
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 privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX 
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to the 15 USC 1681s-2 they are not suppose to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I mailed certified letters out to XXXX, XXXX XXXX, XXXX, and Experian requesting them to remove Dept of EdXXXX XXXX XXXX XXXX in the amount of {$170000.00} off my credit report. I only heard back from Experian but they did not provide the original indebtedness in its original form. 

( I am disputing this account according to the FCRA for reporting incorrect account numbers not matching with only one open date. ) I've asked them to provide me with the original instrument of indebtedness in its original form. There is no original contract or no original { INK } signature.
Product: Credit reporting or other personal consumer reports

I have received more then XXXX inquiries and credit card on my account within last then a week, My information was leaked and someone is using my profile to apply for credit cards below is a list of everything I did not do and I will like to have all of these items removed off of my account ASAP THANK YOU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax is reporting false information to my credit report address I never lived at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an existing car loan through First Investors. Previously I had some late payments on my account, and when I called them to resolve they recommended I sign up for their Fresh Start program. The agent told me that after completing 4 on time payments my account would be brought current and all late payments would be removed from my credit file as a courtesy. This has not been done. I competed the fresh start program at the beginning of XX/XX/2023 and still show late payments on my credit report. I emailed first investors about this several times and have not had a resolution. They keep attached my agreement which mentions nothing about late payments. Please resolve this.
Product: Credit reporting or other personal consumer reports

Dear Trans Union LLC. 

I had previously disputed account data and account status to you. The account listed as XXXX. XXXX are closed with XXXX balance. I had sent you a dispute and the results of he dispute are inaccurate. You are responsible for the inaccuracies reported and any negative balance details associated with your errors and negligence. You are responsible for verifying the account information and reporting the account status. If the account information, balance and account status continues to be reported inaccurate I will contact an attorney and proceed with an FCFRA lawsuit against Trans Union for willful non-compliance. 

You are responsible to verify the account information with XXXX XXXX XXXX. 

1. Account closedXXXX XXXX balance 2. Account balances Please correct the inaccurate information XXXX XXXX
Product: Credit reporting or other personal consumer reports

This morning, I was stunned to see that inaccurate accounts appeared on my credit report, and I have no clue why. I check my credit report regularly, but today, there were unexpected discrepancies. I tried refreshing my browser, hoping it was just a technical error, but the incorrect accounts remained. They didnt disappear even after I refreshed. Because of this, Im asking that the documents Ive submitted be carefully checked so I can avoid this kind of worry in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is filed against XXXX, Experian, and XXXX for improperly reporting incorrect and invalid information from a account called XXXX XXXX XXXX XXXX XXXX Disputes were filed with all 3 bureaus and deem verified or correct. No other disputes are pending. A copy of consumers smart credit 3 bureau report is included in this complaint so all errors can be verified. Said errors or violations are as follows : 1. Both XXXX and XXXX are currently reporting this account as a open account under account status on both reports. This is a closed account placed in collections and sold to a collection agency. This account is not open and can not be viewed as open. 2. On all three different credit reports, all 3 reports a different date of last activity. XXXX reports XXXX. Experian reports XXXX. XXXX reports XXXX. All differ and is impossible to verify all as correct. XXXX of last payment is also missing from all 3 bureau reports. 4. XXXX reports on report under Dispute status that account is not disputed. Contrary on same report under Creditor 's Remarks it says account disputed. Both can't be correct. It's either or. 5. XXXX reports that account is disputed under Creditor 's Remarks. No disputed exist or are pending. Once dispute is over XXXX was obligated to remove all codes and remarks about disputes from report but failed to do so. 6. Experian reports on its report under dispute status that account is not disputed. Contrary on same report under Creditor 's Remarks it says account is disputed. Both can't be correct. 7. Experian also reports account disputed under Creditor 's Remarks. Once my dispute was final or concluded Experian was legally obligated to remove all codes and remarks about disputes from that account report but has failed to do so. This is mandatory! 8. XXXX also reports that the account is disputed under Creditor 's Remarks and even though no dispute exist or is pending, they have also failed to remove all codes and remarks about disputes from the account which violates the FCRA. 9. Finally, on all three reports under late payment history both XXXX and Experian show XXXX 90 days late. Contrary, XXXX shows 1 90 days late. Which is it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was used without my permission to open a fraudulent account and apply for unauthorized fraudulent inquiries. I have contacted the credit bureaus and furnishers of this data to report the inaccurate activity. I am now contacting law enforcement about being a victim of identity theft : Fraudulent account XXXX XXXX balance {$170.00} XXXX XX/XX/XXXX Fraudulent inquiries 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian have both been complicit in failing to help me with my identity theft. XXXX removed the XXXX XXXX XXXX accounts that were identity theft and Experian and XXXX said that they would with the police reports and XXXX reports, yet failed to do so. I'm trying to handle this amicably before filing a lawsuit but I first notified them in XX/XX/XXXX and they failed to take any action. It's a violation of XXXX benefits and their policy. Please take action against XXXX XXXX, XXXX, XXXX XXXX & XXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX at XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX at Experian. They have been aware of this and have failed to take action. I am attaching the same report sent to them last year as well as the updated XXXX identity theft report I was encouraged to file to have this removed from my credit report immediately. I won a lawsuit against XXXX in XXXX due to the vast amount of identity theft they acknowledged responsibility for, and will have to file again - this time against XXXX and Experian for reporting fraudulent information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, Experian and XXXX via certified mail and return receipt regarding a bankruptcy showing in the public record section of my credit reports. I asked them to validate this bankruptcy and to provide proof of this. I have asked for copies of documentation associated with this account bearing my signature. They simply verified this information by utilizing their automated computerized system XXXX and due to this they just updated it. I contacted the court to see if they indeed report to the credit bureaus. They sent me a letter back stating they do not report bankruptcies to any of the 3 credit bureaus. My XXXX XXXX information is frozen and I also opted out of them selling my information to anyone. These credit bureaus are reporting false information which is a violation of the Fair Credit Reporting Act. This public record needs to be removed immediately.
Product: Checking or savings account

This bank is adgrecious, I disputed charges twice for XXXX they approved the 2 smaller amounts which they approved but in the first complaint I never mentioned those 2 amounts so why were they brought up oh to pretend like you approved part of my claim another lie and illusion. The second time I asked for a review I was out of town so I was not able to provide any paperwork. When I look on my online account it says I sent in paperwork which I did not I have screenshots. I never sent in any information they lied playing games again with my money. The last person they switched off my case she emailed me, I responded back she never called me or responded back. A guy calls on XX/XX/XXXX  and says oh the person who had your file was switched and then he starts talking about another claim that had nothing to do with this one. To make it seem as if they did approve some of it. He named 2 different claims that I never mentioned in my first complaint. Why not name all the account activity then. Your bank now owes me double my claim so think wisely. I'll give you 5 days to adjust my account, or I'll be seeking 10 times the amount. So I feel as a consumer that's unacceptable to lie and say I sent something and didn't. The record shows that it says information received. What information liers. So you made a decision off what for the review. Now that my consumer rights have been violated I'm going for double what your bank owes me. 
Usc15 section 1681section 602 ( a ) A consumer has a right to privacy.

USC Section 18 code 1001 USC Section 18 code 1344
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered some 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 need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX Balance Owed : {$720.00} XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXXXXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$5400.00} XXXX XXXX XXXXXXXX Balance Owed : {$1800.00} XXXX XXXXXXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXXXXXX XXXX Balance Owed : {$830.00XXXX XXXX XXXXXXXX XXXX Balance Owed : {$44.00} XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
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 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 and are listed on my credit report. XXXX XXXX XXXXXXXX Balance : {$4900.00} ; XXXX XXXX XXXX Balance : {$4700.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5500.00} ; XXXX XXXX XXXX Balance : {$4100.00}.
Product: Bank account or service

On XXXX/XXXX/2016 JP Morgan Chase Bank sent me a correspondence announcing " Important information : We have decided to close your accounts, Dear XXXX XXXX, after a recent review of your accounts, we have decided to end our relationship with you. We will close the following XXXX digit accounts XXXX on XX/XX/2016 and decline any transaction. '' I immediately canceled all automated deposits & withdrawals and paid cash on XXXX outstanding check and opened accounts at another bank to assure I complied to JP Morgan Chase Banks demands. By XX/XX/2016, I received another JP Morgan Chase Banks statement showing all their accounts XXXX digits ' accounts XXXX were at a balance of XXXX showing the JP Morgan Chase Bank owed me a balance on my savings of XXXX. However, on XXXX XXXX, 2016, I received another JP Morgan Chase Bank demand for my closed XXXX account, " Dear XXXX XXXX. your account is currently overdrawn by {$130.00} to keep your account open, please make a deposit to your account at one of branches or ATMs to cover the overdrawn amount. It it is more convenient for you, we also accept checks by phone and deposits made through XXXX XXXX. This letter is sent in attempt to collect a debt, and any information obtained will be used for that purpose. '' I realize that JP Morgan Chase Bank can turn this over to " XXXX '' to black list me as a consumer. These letters demands " harassment '' from JP Morgan Chase Bank. JP Morgan Chase Bank exercises their authority in such a manner as to be unnecessarily oppressive. JP Morgan Chase Bank shows with purposeful actions and conduct motivated that are malicious discriminatory purposely aimed at a XXXX person and a military veteran and other like consumers! We talk of credit worthiness. JP Morgan Chase Bank corporation that was given slap on the wrist with a XXXX dollars fine by U.S. Federal Security Exchange Commission. This is a perfect example of whom provides the wealth for such parasitic JP Morgan Chase Bank corporation behavior, hard working Americans, significant inventors of science and technology like the great XXXX XXXX. The true nature of JP Morgan 's Chase Bank parasitic behavior has been with us for over a century. One of the greatest scientist inventors XXXX XXXX now over a century ago was defunded by JP Morgan. XXXX discovered a means of electrical transmission without copper insulated cable. The original JP Morgan, whom had greed without behavioral boundaries madly defunded XXXX scientific research since he no means of collecting " money ''. Show American workers and inventors whom make the money. Give maliciously abused American 's justice in relief from JP Morgan Chase Banks parasitic behavior. Levy fines of XXXX to JP Morgan Chase Bank still a small fraction restitution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report. To this day I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly states that a failure to investigate these items. I demand these accounts be delated immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX