23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inaccuracies in my credit report that remain unresolved, despite my prior attempts to address these issues. My experience reflects many of the problems cited in the Consumer Financial Protection Bureau ( CFPB ) s recent lawsuit against XXXX ( Case No. XXXX ), including : Failure to Conduct Reasonable Reinvestigation : XXXX has not adequately investigated the information I disputed. Specifically, it appears that critical evidence and supporting documentation I submitted were ignored. 

Mischaracterization of Disputes : XXXX dispute process misrepresented or oversimplified the basis for my disputes, leading to insufficient and erroneous resolutions. 

The results of the reinvestigation provided to me were unclear and contradictory, failing to identify what information was updated, if anything, or whether the inaccuracies I disputed were corrected. 

Failure to Delete Inaccurate Information : The inaccurate information I challenged remains on my credit report, which directly contradicts Experians obligation under the Fair Credit Reporting Act ( FCRA ) to ensure maximum possible accuracy of consumer reports. 

Below, I have listed the inaccurate items along with details of the disputes : Amsher Collection Service : I have no knowledge of this account, this account does not belong to me.

Legal Obligations Under the FCRA Under the FCRA, you are required to : Conduct a thorough and reasonable reinvestigation of disputed information within 30 days ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ). 
Accurately communicate all relevant information I provide to the furnishers of the disputed accounts ( 15 U.S.C. 1681i ( a ) ( 2 ) ).

Remove or correct any information found to be inaccurate, incomplete, or unverifiable ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ).

Provide clear and accurate results of the reinvestigation ( 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) ).

Request for Resolution I request that you : Immediately delete or correct the disputed items in my credit report. 
Provide me with a complete and clear explanation of the results of your investigation. 

Notify me of any reinsertion of deleted items as required by law. 

Failure to address these issues may leave me with no option but to pursue further action, including filing complaints with the CFPB and considering legal remedies. 
I expect your response within the XXXX statutory period. Please send the results of your reinvestigation to my address listed above. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

NAVY FCU XX/XX/XXXX, XX/XX/XXXX NAVY FCU XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX NAVY FCU XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Hard inquires on my report that are inacurate, unauthorized, and need to be removed.
Product: Debt collection

XXXX lied to us and said there was no contract and it would be the same like the one we had : {$95.00} for first line and {$10.00} for second line, total bill would be {$150.00} like the one we had before. In fact, the bill was {$190.00} and we never agreed to pay that price. XXXX rep said there was no contract so we returned the phones to sprint because we knew we could n't afford $ XXXX/month and if we knew the phone was not us at the end, we would not agree. XXXX made it very difficult to return the phones. sprint customer service rep said we could return at the store and many stores said they are 3rd party stores and could n't accept it and I had to go to the original store located in XXXX XXXX, tx where we bought the phones to return them. we went to original sprint store located in XXXX, tx for XXXX8 times and they refused to accept. I asked them so what they were doing at the store and they said they only activated phone. Too tired of going back and forth to the store in XXXX when we do n't even live in XXXX, we shipped the phones back to XXXX ( with XXXX confirmation ) and it showed that they received the phones. Then XXXX sent my account to collections and reported negatively on my credit report since XXXX of this year. I sent many letters to XXXX and collection agencies and receive no response. This has affected negatively on my credit report and my employment background check for my job when I do n't owe the debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my purse stolen with all my personal info, that i beleave was used to open up some of these accts and also placed a large amount of hard inquires on my report. I have been trying to get this address for a couple years now i have contacted all 3 credit companies and the other party, I have spent XXXX of dollars in certified mail send letters to both parties to be back at square one and nothing is being down. I also reported a car being stolen and having my personal thinks inside durning a move. I been suffer from idenity issuses since i was younger with a friend of the family was using my name ate a younger child age. Im now at a stand still stuck with all this stuff on my report and still no answers on how to fix them.
Product: Credit reporting or other personal consumer reports

Request to Update XXXX XXXX Dear SageStream , LLC Consumer Center Support Team, I am reaching out to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated to ensure my profile remains accurate and up to date. 

Details to Update : Phone Number : XXXX For your reference, I have included proof of identity along with documentation confirming my current phone number. If you require any additional information or further documentation to process this request, please do not hesitate to let me know. 

I would appreciate it if this update could be completed at your earliest convenience. Once the update has been made, I kindly request confirmation that my records have been updated. 

Thank you for your time and assistance. If you have any questions or need further clarification, you can contact me at XXXX or via email at XXXX. 

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

My XXXX, Equifax and XXXX  credit reports were accessed on XX/XX/2021 as indicated by a hard credit inquiry by XXXX XXXX XXXX XXXX 

I did not initiate this inquiry nor did I apply for credit with this company or their affiliates. I sent a letter via XXXX to the address indicated on the XXXX/Equifax credit report indicating this fact and that they did not have a permissible purpose to access my credit report. The company has been non-responsive. 

The Fair Credit Reporting Act 616 provides for the following : Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' My credit rating has been damaged as a result of their unauthorized credit inquiry ( s ) and I am prepared to seek litigation if this matter is not resolved immediately.
Product: Debt collection

I did a Credit Sale with XXXX roughly around XXXX, recently I was notified by an unauthorized company that they had been granted a summary judgement. I was not aware that my account had either been sold or assigned unlawful. The original creditor is in violation of the Truth In Lending Act pursuant to 15 USC 1601 and they both are in violation of 18 USC 1028A Aggravated Identity theft. 

I am demanding all parties to Cease and Desist all unlawful activity. In addition, I am requesting pursuant to 12 USC 5561 ( 4 ) Documentary Material of the alleged obligation. 

Sincerely XXXX XXXX
Product: Credit card or prepaid card

I booked my ticket with Chase Credit card travel portal with Trip id XXXX. Unfortunately I had to cancel one passenger ticket out of total 2 passengers. Chase representative informed me that ticket is refundable So I should get my full amount back ( {$720.00} ) deducting charge of {$300.00}. Chase also informed me that how this works is that they will charge me {$300.00} on my credit card and refund back my full amount back {$720.00}. I gave them go ahead. 

But out of my surprise, Chase charged me {$300.00} immediately ( XXXX XXXX ) on my card but even after waiting for 5 business days, I never got my full {$720.00} back.

When again called chase, this time representative told me, it will take " 2 billing cycle ( ie 2 months )!! '' to get my money back. This is totally unfair, due to this now Chase have my {$720.00} stuck with them EVENAFTER charging me {$300.00} to me immediately. 

I need my {$720.00} back hold by chase bank unlawfully PLUS 22 % interest APR because if I didnt pay this amount due on my bill that Chase will charge me 22 % apr.
Product: Debt collection

I been contacted several times by some individual claiming to be a representative of ARA Inc, a collection company based out of IL. 
Despite having made clear the fact that I owe no such debt and I have never engaged in any business with the associates bank the original creditor of the collection account.ARA Inc has continued to contact me about an outstanding account in the sum of {$5200.00}. 
The contact has been through phone call as well as letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX  XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$340.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$460.00} ; XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$270.00} ; XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$340.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX 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: Debt collection

I have told them repeatedly that they are not to call or contact me. They refuse to follow my instructions. Between the phone calls to my cell phone and repeated emails, this is now harassment and violation of the law.
Product: Credit card

I have had an American Express account since XX/XX/XXXX. In XX/XX/XXXX, my life got very complicated, and I stopped checking my statements meticulously, catching their frequent errors, like adding finance charges on balances paid in full. 

In XX/XX/XXXX my situation got worse, and I followed a police suggestion to move without leaving a forwarding address to deal with a stalker. Though I tried to update all my addresses by phone or by web form, it is possible I missed American Express. However, it 's also very possible it was their mistake not to update my account : AmEx representatives are frequently careless AND the company has a policy not to send statements if there is a {$0.00} balance. Honestly my life was so upside down, I just ca n't say. 

XX/XX/XXXX I was startled to see an unpaid balance of {$1200.00} on my AmEx card. Additionally, there were multiple issues on my credit report : credit cards I had closed that had charges on them and were delinquent, utilities from a town I have moved from that had current bills, etc. Though I do n't know that I am the victim of identity theft, I am checking everything closely, following CFPB 's guidelines and Best Practices to repair and correct. 

On XXXX XXXX I called American Express and explained this somewhat convoluted situation to XXXX. XXXX said he was listing a Dispute on my card balance, and was sending me 5 years of statements to review. I explained to him that I wanted to take action on my account by the end of the year, whether by filing for fraud or by paying the outstanding balance. He assured me that the account would not be referred to collections before the end of the year. 

I never received the statements. On XX/XX/XXXX, I discovered I could request all the statements online. On XX/XX/XXXX, I downloaded my statements dating back to XX/XX/XXXX. On XX/XX/XXXX, I attempted to contact someone at AmEx who could address a few concerning charges ( XXXX in the amount of {$690.00} ) and then accept payment for the remaining balance. After six hours of phone calls, of waiting for return calls, of tweeting, I gave up. 

I 've been told that my account is in collections and can only be paid through a collection agency- yet, no collection agency has contacted me, and the account shows as being able to be paid online. I have been yelled at ; I have been told that the CFPB regulations do not affect them. I have been placed on obscenely long holds for up to 39 minutes at a time. 

Again, I am trying to make right an outstanding account. Why am I unable to reach an Escalation department, a Senior Account Specialist, an Ombudsman- or simply someone who is n't scripted and who has the authority to make decisions and get my account paid? 

Additionally, why did I never receive the statements that XXXX said he was sending out- nor was any " Dispute '' placed on the account? I thought that if I called a credit card company and reported that I was disputing or investigating potentially fraudulent charges, that they had to list that information in their system and report it to the credit bureaus?
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( block Inc ) due to inadequate customer service and unfair practice which violates the Consumer Financial Protection Act ( CFPA ) specifically cash app failed timely and effective measure to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution processes was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has reported my balance incorrect since XX/XX/XXXX showing I owe XXXX the amount I purchased the car at, can this matter be updated correctly, as they haved reported on time payment 's every month but the balance does not reflect that. ( Year XXXX XXXX ) also I have attempted to get this matter resolved with them, and unable to get this understood. 
I was giving a reply they charge a interest per day this just does not seem correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting several inquiries by American Express to my credit report while its obvious that no company needs to pull ones credit several times a week let alone several times a day. XXXX refuses to remove the inaccurate information while it only took a simple phone call to XXXX and XXXX to get this error corrected. 
XXXX wants me to reach out to American Express which I did and they both XXXX and American Express Are having me having to jump through too many hoops to have me to correct their misinformation which has caused me to miss out on several credit approvals due to this Misinformation being reported on my credit. Below is how the item appears on my credit AMERICAN EXPRESS Inquiry : XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX AMERICAN EXPRESS Inquiry : XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX AMERICAN EXPRESS Inquiry : XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX AMERICAN EXPRESS Inquiry : XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX AMERICAN EXPRESS Inquiry : XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX AMERICAN EXPRESS Inquiry : XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX AMERICAN EXPRESS Inquiry : XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX AMERICAN EXPRESS Inquiry : XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX AMERICAN EXPRESS Inquiry : XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX AMERICAN EXPRESS Inquiry : XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX AMERICAN EXPRESS Inquiry : XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX AMERICAN EXPRESS Inquiry : XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX AMERICAN EXPRESS Inquiry : XXXX XXXX, XXXX  + Bank ( XXXX ) XXXX XXXX XXXX made over XXXX hard inquries to my credit report within a XXXX  day period which is clearly a mistake and refuses to correct the mistake. 

Help with correct this will be greatly appreciated.
Product: Student loan

I submitted a payment to XXXX to finish my student loan completely. XXXX claimed to have processed that payment, but they did not. 

I received an email from XXXX on XXXX stating that XXXX Dear XXXX XXXX, XXXX We 're sending this email to let you know that today we processed your student XXXX loan payment ( s ) of {$9500.00}. If you would like to view the details of your XXXX payment history, please log in to your account. 

Yet, when I look at my bank account history and also at payment history in my XXXX account, there is no record of the payment made. 

XXXX continues to have me enrolled in automatic monthly payments at a reduced rate and continues to collect interest from me, despite its claims that it processed my payment. 

Furthermore, I received NO notification that the payment was not actually processed, so I was led to believe by XXXX that my contract with them was complete. Had I not followed up on my own, I would not have found out I still owe the company. 

Thank you for your attention and help in this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is a not a rental housing company. This is affecting me from renting out from real rental home and apartment communities. The only thing I leased from the company were TV 's not an apartment. According to the XXXX, here is a summary of the results of the XXXX  investigation : The trade line for Security Credit Serv # XXXX & XXXX are reporting as a Rental collection based on the classification of business by the original creditor. The trade line is a furniture company and is not related to a residential lease.
Product: Debt collection

I do not owe XXXX, I do not have a contract with XXXX, I never authorized anyone to give them my personal information social security number, phone number, address, which violates my rights
Product: Credit reporting or other personal consumer reports

I do not know who stole my personal information but I am a victim of identity theft and there have been accounts opened under my name without my authorization, consent, or knowledge. These accounts are showing up on my credit report but I never opened these accounts! 

The data breaches my personal information was involved in are below : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My personal information was stolen multiple data breaches! The following accounts were opened fraudulently and MUST be removed from my credit report : XXXX XXXX XXXX. XXXX, XXXX {$660.00} XXXX XXXX XXXX XXXX. XXXX, XXXX {$28000.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$16000.00} XXXX XXXX XXXX XXXX. XXXX, XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$12000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX {$12000.00}
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681. 

XXXX  Account # XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights 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 reports 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 more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating 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

Experian has incorrect personal information that is not pertaining to me on my file and is inaccuracy. The Following names XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. Also the following inquiries were done fraudulently without authorization and consent! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hello I previously requested the items listed below to be investigated. According to Experian the accounts listed below were " verified. I then submitted a request for method of verification proof, which I never received. According to the FCRA a credit bureau has 15 days to provide that proof to me and it's been well over 15 days from my request. 

XXXX. XXXX Account number XXXX XXXX. XXXX XXXX XXXX Number XXXX XXXX. XXXX XXXX XXXX XXXX