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

experian and XXXX are reporting an account on my credit report called XXXX XXXX XXXX as open with a balance and the account is really closed with a zero balance. I have reached out to XXXXXXXX XXXX XXXX  and they said that it is reporting zero balance on their end but the credit bureaus experian and XXXX are reporting the account wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian , & XXXX has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX  XXXX
Product: Credit card or prepaid card

This started over two years ago, I needed a replacement card, customer service kept telling me they are sending me out a card, that I never received, they finally, sent me a card express mail, they told me that they were not going to charge me, and they did. Once I saw I was being charged, I called to cancel my card, and they refunded my service charge. Since this was a secure account, I was due back a refund of my deposit. They made me wait six weeks, I didn't receive my check, so I called, they told me it would take 7 days to receive my check, After 7 days I called was told ten business days. I waited 11 business days, this time I was told they are going to cancel the check and issue a new check and send it out express, I waited 7 days, now being told by the supervisor, they don't send return check express, and that I have to wait 15 business days because of the cancel check, this was never told to me before. I told the supervisor that I wanted to write a letter to complain about this service, and was advise, they don't have an address to write, and that she would, send the feed back. I don't feel comfortable with that, I been receiving wrong information many times from this company. If I was a day late paying this company I would of been charge a penalty, now that they owe me, they can take their time. This doesn't feel right. It is hard to believe that a company like Capital One, is giving me a hard time over a {$100.00}
Product: Credit reporting or other personal consumer reports

Since XX/XX/2024 I have requested that TransUnion provide me with either a current credit report that reflects current day or a document that reflects what is currently being disputed on my report.. I filed a dispute on 2 items that I have to show proof of the dispute from TransUnion to XXXX TransUnion has continuously gave me the run around transfer from support to consumer reporting and back and forth. the reps are rude and not helpful at all. I have called numerous of times and spent countless of hours on the phone with them following dates XXXX-on the phone XXXX no resolutions XXXX the phone XXXX hrs -no resolution XXXX the phone XXXX no resolutions all I need is a current report or letter stating what is actively being disputed so I can continue to request funds for my XXXX. XXXX and XXXX provided the info TransUnion hasn't please help.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute two fraudulent inquiries that have appeared on my credit report without my authorization. The inquiries in question are as follows : - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These inquiries were made without my consent and are the result of identity theft. As a consumer, I am protected under both the Fair Credit Reporting Act ( FCRA ) and California Consumer Credit Reporting Agencies Act ( CCCRAA ), which mandate that any unauthorized or fraudulent inquiries be removed immediately upon notification. 

To support my claim, I have enclosed the following documentation : 1. A copy of my government-issued identification.

2. An updated copy of my official FTC Identity Theft Report.

3. A copy of this dispute letter for reference.

# # # Applicable Laws : - **Under FCRA Section 605B**, fraudulent information, including unauthorized inquiries, must be blocked from my credit report when identity theft is reported.

- **California Civil Code Section 1785.16 ( k ) ** further provides that credit reporting agencies must investigate disputed items within 30 days and remove or block any fraudulent inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never paid my XXXX XXXX Mortgage late. I requested all copies of payments made to XXXX Mortgage to verify its accuracy and any discrepancies, and XXXX Mortgage has continually ignored all of my requests. By law any discrepancies that can not be proven has to be removed from my Experian credit file. I would appreciate anything you can do for me. Thank you.
Product: Debt collection

XXXX XXXX has contracted with several debt collection companies. Each of these debt collection companies are contacting me for the same debt. The companies are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request each of these companies to stop contacting me. I also request to delete these entires from my credit report as the are in efforts to bully me with the same debt. The same debt is listed numerous times on my credit report with different credit bureaus. The companies are operating under Several different names, hence its difficult to determine who I 'm actually dealing with.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 2nd and last time I am writing you about this issue. I will use it in court against you.

This is the issue : Equifax is violating the Federal Credit reporting Act by keeping a charge off account more than 7 years on my credit report. Even on its own website it is clearly written that : XXXX a charged-off account will remain on credit reports up to SEVEN YEARS FROM THE DATE OF THE FIRST MISSED OR LATE PAYMENT on the charged-off account. >> I have attached a screenshot of Equifax website where you can clearly see the statement above. 
There is a charged-off account ( XXXX XXXX XXXXXXXX XXXX XXXX that has been on my credit report for more than 7 years from the date of FIRST MISSED PAYMENT. The date of the first missed payment has been voluntary changed to keep this account longer on my credit report, which is a very serious violation of the FCRA and I would like to sue you for that. I am only sending you this letter to show the judge that I have tried to resolve the issue with you before suing you. I have the credit card statement from XXXX  XXXX XXXX showing exactly when the first missed payment happened, I have attached it to this notice. 
My Equifax credit report shows that the first delinquency happened in XX/XX/XXXX which is not true, it happened in XX/XX/XXXX and I have the credit card statement to prove it. Like I said I am only gathering proof of communications between you and me to use it in court against you. 

The correct date of the first missed payment date should be XX/XX/XXXX not XX/XX/XXXX. Therefore from XX/XX/XXXX to XX/XX/XXXX thats 7 years and 6 months, which is more than 7 years legal limit. 
Remove immediately XXXX XXXXXXXX XXXX XXXX from my credit report!!!
Product: Credit reporting or other personal consumer reports

My credit report has errors related to 15 USC 1681b ( c ) ( 2 ). There are unauthorized inquiries that are affecting my credit score. Please remove these unauthorized hard inquiries. Thanks!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone Number : ( XXXX ) XXXX Social Security Number : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX. Account Name : RocketLoans Account Number : XXXX Date of Adverse Information : XX/XX/XXXX Reason for Dispute : Identity theft related to trafficking. 
XXXX. Account Name : Department of Education Account Number : Not Listed Date of Adverse Information : XX/XX/XXXX Reason for Dispute : Identity theft related to trafficking. 
XXXX. Account Name : Department of Education Account Number : Not Listed Date of Adverse Information : XX/XX/XXXX Reason for Dispute : Identity theft related to trafficking. 

Related Inquiries : XXXX. Inquiry Name : XXXX Date of Inquiry : XX/XX/XXXX Reason for Dispute : Identity theft related to trafficking. 
XXXX. Inquiry Name : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Reason for Dispute : Identity theft related to trafficking. 
XXXX. Inquiry Name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Reason for Dispute : Identity theft related to trafficking. 
XXXX. Inquiry Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Reason for Dispute : Identity theft related to trafficking. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Previously was in dispute with XXXX XXXX the accounts have been paid, XXXX still showing outstanding balance and causing me to get denied for credit.
Product: Credit card or prepaid card

On XX/XX/XXXX was contacted by a man who claimed to be a XXXX XXXX ( used name of a real XXXX XXXX ) and claimed I had a federal warrant for failure to appear for jury duty. Informed me {$3000.00} to court clerk would put a hold on warrant until I appeared in person. Was told I would get money back on appearance at XXXX 's office. Was told I needed a Gift card to access XXXX at XXXX office which would be refunded.. Unfortunately I cooperated. This involved XXXX of my credit cards and paypal. I shortly thereafter called the police and the XXXX 's office and realized there was no warrant and this was fraudulent. 
I contacted XXXX, my XXXX card, my XXXX XXXX card, and My Citi card. XXXX and XXXX XXXX immediately accepted the fraud complaint, cancelled these two cards and stopped the transactions. 
XXXX did nothing in spite of numerous emails. In fact the next day the man responsible sent a message through XXXX that I was to have paid him {$3000.00} TWICE. Citi took my contact information and assured me this would be shut down. They cancelled my card and issued a new one. This was done within one hour of the fraud. 
I have had six phone conversations with their fraud department, each time with them telling me there was no record of my calls but it would be taken care of. I have since received a letter that I was responsible for the charges. I made no progress with my SEVENTH call. I have since mailed two letters. I doubt there will be any response The XXXX Texas Police and the XXXX XXXX are aware of this but have no resources to chase this down. The woman at the XXXX 's office was very familiar with this already.

Two of my three involved cards shut this down immediately but Citi, even with my prompt reporting of the fraud did not HELP at all. In fact, each phone call I made was with me emphasizing the importance of this being shut down quickly with Citi reassuring me I would not be held responsible ... and then I have been told I am responsible. Hope fully this explains my situation
Product: Credit card or prepaid card

Chase Credit Card Company is inaccurately charging my account from XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX did not preform the scope of work agreed upon, also there was a major discrepancy in the quality of the services. They damaged all my ceiling fans, flooded my house, damaged and painted my appliance. Created a leak from an upstairs toilet due to an incomplete toilet installation. Cut holes in our walls and have admitted that it will it be fixed. Their workers have been drinking on the job. They have left the house unlocked after hours. We have caught places where they skipped painting behind the appliances. They broke a brand new toilet seat. We have corrected multiple invoices as they have billed us incorrectly. They walked off the job and have left us with an answer of no party involved will be happy with the end result, I am not making money on this deal. 

Chase Credit Card will not provide why it is justified to pay XXXX XXXX XXXX XXXX XXXX XXXX. I have asked this multiple times from Chase. Under the consumer protection act this is not an acceptable and a justified charge. As the services were not rendered completely and there is an issue with quality and not proper charges and damage to my personal house caused by this merchant. There is an open liability claim with the merchants insurance company.
Product: Student loan

I have been enrolled back at XXXX XXXX University in the fall of XX/XX/XXXX. Recently, i have been harassed by Discover Student Loans for the last month. I have faxed in paperwork providing them with everything they needed. And yet I am still getting phone calls for payments. Furthermore, Discover is now reporting to the credit bureaus that I am late. At this point, Discover needs to get their act together to avoid me taking further action. I have been enrolled the entire time and my deferment should be valid with my planned graduation date being the XX/XX/XXXX.
Product: Debt collection

Collection Bureaus of America has this on my credit reports and is trying to collect for XXXX XXXX ( please see attached ). 
I never had an account with XXXX AND I NEVER lived at the service address listed!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second written request asking the companies ( XXXX, Equifax, & XXXX ) to  provide a copy of the original creditors documentation ( a consumer contract with my signature on it ) to verify that this information of mine is correct. 
I would like to know who verified these accounts? I have not been provided with any original documentation. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. 

First request XX/XX/XXXX Second request XX/XX/XXXX
Product: Debt collection

Transworld Systems has reported a collection account to my consumer credit file in the amount of {$550.00}. I do not owe this alleged debt. If Transworld Systems has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL contractual documents stating and proving that I am responsible for this account that I agreed to and authorized the alleged debt that Transworld is attempting to collect. Transworld has no legal right to attempt to collect a debt. Transworld has not validated this debt nor sent me a notice of collection. Enhanced Recovery is in violation of the FCRA and the FCDPA.
Product: Credit card

Account has duplicate accounts with the same account number on my credit report showing different balances.

Internal revenue confirmed that first progress never sent a 1099C form for this account therefore accounts need to be removed immediately.
Product: Checking or savings account

My apple card with Goldman Sachs and my savings account have been restricted. I have reach out to them multiple times since Friday XX/XX/2023. I ask for a reason for my account restriction and they told me is under review and that the team is taking a look at it that they will be reaching out in 24hrs. Now today is XX/XX/2023 and they now restricted my savings account and still no one can answer why my hard earned money in restricted from me. They said I can't speak to review team and that their manager will tell me the same thing. It's currently my primary card and my primary saving incase of emergencies. I would like this to be resolve as soon as possible. I am now at the mercy of them calling me back. I noticed other people have this issues too including not hearing back in months.
Product: Credit card or prepaid card

When making a purchase using the card, I was promised 48 months to pay the balance at a 9.99 % APR. The first statement I received indicates that I was given 12 months at 0 %.
Product: Credit card or prepaid card

On Saturday, XX/XX/2021, my Master Card with Fifth Third Bank was fraudulently charged for {$340.00} for an automobile insurance policy with XXXX XXXX XXXX by a third party without my knowledge or permission. This charge posted to my account on XX/XX/2021. I had provided my credit card information over the phone to this third party merchant for a {$20.00} charge for a totally different product from them. Instead of using the credit card for the permitted {$20.00} charge from them, apparently the third party fraudulently used my credit card information to purchase the {$340.00} insurance policy from The XXXX XXXX XXXX. At no time did I ever have any intention of buying anything from XXXX XXXX, nor did I ever have a conversation with anyone at XXXX. 

The fist I knew about this situation was when I received my monthly statement in XXXX, XXXX showing this fraudulent charge. I immediately disputed the charge. Since then, I have talked to numerous people at Fifth Third, wrote numerous letters and e-mails, and have been given the runaround and taken completely in circles. They continually kept asking for receipts and documentation. I told them repeatedly there are NO receipts or documents, as I NEVER agreed to this purchase at all, hence NO receipt! 

Fifth Third arbitrarily, with NO input from me, or notice, told me they would not grant my dispute and the only way I could re-open it would be to submit receipts, which NEVER existed! I have had a branch manager named XXXX at Fifth Third in XXXX, NC ( her phone number is XXXX ) try to intervene and help me. She has become just as frustrated as I have. She tells me the people in the Fraud and Disputes Departments are giving her the runaround and won't even tell her why they decided the dispute against me! I really need some outside help with this as now I have been charged {$340.00} fraudulently for a product I never wanted nor agreed to buy. Thank you. 

NOTE : The original card this was charged to ended in XXXX. This account was updated to the current account ending in XXXX due to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX never even sent me a letter saying that this debt was owed or where to send a payment to. There was no contact between me and this debt collector then all of a sudden on day out of the blue I recieve a court summons saying I am being sued. I was never given a chance to work out a payment areangemen ( which I would have done ) or anything of the sort. Now I have to pay the debt plus court fees and the laywer is telling me even if we dont go to court on this it will still show as a judgement on my credit. This seems unfair to me as I was never properly notified of the debit to begin with! How is it legal for them just to do this to people?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DEPTEDXXXX Experian XXXX XXXX XXXX  XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX  US DEPT ED DEPTEDXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX  US DEPT ED DEPTEDXXXX