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

The credit bureaus stated my account was properly investigated but how is that possible if there is multiple inaccurate reporting such as payment status, worst delinquency, and last update. This is ground for removal the also violated my rights under The Fair Credit Reporting Act ( FCRA ) Section 611 ( a ), which requires that credit reporting agencies provide accurate and complete information in credit reports.

The discrepancies in payment status and worst delinquency suggest that there may be errors in the reporting, and the lack of recent data on XXXX violates the requirement for current and complete information in credit reports. 

The inconsistencies in this account on the credit report include : The payment status is different across all three credit bureaus : Equifax reports " not more than two payments past due '', XXXX reports " 30 days past due '', and XXXX reports " no payment status available. '' The worst delinquency is also different across all three credit bureaus : Equifax reports " 60 days past due '', XXXX reports " 90 days past due '', and XXXX reports " no worst delinquency available. '' The last updated date is different for XXXX, which is last updated in XX/XX/XXXX, while Equifax and XXXX are updated more recently in XX/XX/XXXX and have no recent data respectively.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on CREDIT MGMT. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or remove this from my personal file.
Product: Vehicle loan or lease

On XX/XX/year> i emailed the required form to cancel my GAP insurance and requested a refund for the GAP Insurance and XXXX package that was purchased with my vehicle. i have called numerous times throughout the year regarding following up and have gotten no response. 
the XXXX package was over {$1000.00} and Gap Insurance was over {$300.00} i have paid interest on these payments for over 6 years. 
Additionally the purchase price for my vehicle was {$19000.00} and somehow there has been a change with a purchase price of over {$26000.00}. 
I would like for my loan account to be audited. 
I requested a payoff cost, the cost quoted exceeds the amount of my principal balance.
Product: Mortgage

To C.F.P.B, I would like for you organization to start entire investigation on my case, the said complained Bank Of America with the loan XXXX they have try to show legal standing close action again me, and or XXXX XXXX XXXX, XXXX, Florida XXXX. The bank must show the original documents, mortgage and promissory note, the bank also have to show a proper shine of title recorded on the country where the property is located, is required by law, the bank must show assignments of mortgage and endorsements notaries with acknowledgments and the penalty of perjury.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not removed almost XXXX inquiries. I have enclosed all information in attachment. 

It should be removed as it is impossible to verify where all these inquiries came from considering the fact that my private and sensitive information has been leaked all over the internet, by Equifax 's databreach, class action & settlement lawsuit, and is available for free, on XXXX  websites, and on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX Letter written to Management of XXXX @ XXXX XXXX & NCC Business Services To NCC Business Services : XX/XX/2017 Below is the email I sent to XXXX @ XXXX XXXX. I hear by dispute the validity of this claim in writing and refuse to be bullied into replacing a carpet that should be replaced anyway. The monthly rent should allow for the replacement of the carpet after each tenant. This cheap carpet is designed not to last and the apartment complex counts on that to make each tenant put in new carpet. This way they never have to pay for a cleaning or the carpet. I will not pay this claim. 

To XXXX XXXX : XX/XX/2017 I just received your invoice to replace the carpet in the Apartment I rented for a year. First of all, I noticed pet odor listed on the report. There never was a pet left there unattended and there never has been a pet use that apartment while I occupied it. There had been previous pets, because when I took over the apartment the teeth marks were in the doorway to the bathroom as indicated on my move-in inspection form. Any stains in that carpet were due to the design of the apartment. The trash either goes in the kitchen or the laundry room ( to keep it on the vinyl ), trash bags sometimes leak and the only way to get out of the apartment is across the carpet and out the front door. The stains you see are due to leaking trash bags, not pets. I recommend tiling, vinyl or hardwoods from the kitchen to the front door and it would resolve that issue. I gave my XXXX dollar security deposit upon move in to handle any concerns, but to be honest I expected it back because that apartment was well maintained, and your rent was on time. The quality of the carpet and the design of the apartment made those stains unavoidable, and could have been removed from a professional cleaning ; however, I guess there isnt much motivation to do so since you can just pass an invoice on to the prior tenant for new carpet. You can keep my XXXX security deposit, but I will not be paying for the replacement of the carpet in that apartment. The threat of a collection agency does not scare me, nor does the threat of hurting my credit. I will not be bullied into sending you money that I feel is not warranted. If I am contacted by a collection agency I will resort to social media to expose this scam.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX # XXXX Account Name : XXXX  XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries removal I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries 1.XXXX XXXX Inquiry from XX/XX/2019 2.XXXX Inquiry from XX/XX/2019 3.XXXX XXXX Inquiry from XX/XX/2019 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 
This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX with Allied Mortgage Group initiated a hard inquiry on my XXXX credit report without my knowledge or consent. I called XXXX XXXX and asked about the inquiry, he stated he assumed I was ready to move forward, I asked him how was I ready to move forward if I didnt fill out an application nor did I provide my Social Security number, he could not explain. My last correspondence with XXXX XXXX was on Friday XX/XX/XXXX when I inquired about his company offers and/or incentives, I have not given any one including XXXX XXXX permission or access to run my credit.
Product: Checking or savings account

I was locked out of my account on XX/XX/23 so I called to request for it to be unlocked on XX/XX/23. The first representative confirmed that it was locked because of trying to log in multiple times using the wrong password. He put me on hold and after reviewing my account, the supervisor I spoke to decided to close my account without explanation. No reason was given as to why she decided to close my account.
Product: Checking or savings account

On XX/XX/22, I visited the M & T Bank on XXXX XXXX XXXX XXXX XXXX, in XXXX Maryland XXXX The teller requested I verbally confirm my social security number to which I responded I was not comfortable doing in a public lobby and then instead I asked for a piece of paper to write it on. 
After my transactions were completed, the teller proceeded to place the piece of paper with my personal information that included my name, address, account, and social security number on a pile on his desk. I immediately identified that to be a security concern and asked for it to be shredded. He said he was unable to do so. I asked if he could at the very least cross out my social security number so that it is not just sitting on a desk where anyone could easily access it. He informed me that the documents will be shredded after 90days of sitting on his desk. 
As I proceeded to inform him about my concerns and as he continued to justify his actions, the branch manager immediately and rudely interrupts our conversation to inform me that and I quote the bottom line is, this is the banks policy, you can take it or leave it and then proceed to ask me to leave now The very next day on XX/XX/22, I closed out all my accounts at M & T Bank as I will not do business with any company or organization or business that does not value me and my business or appreciate my concerns. Additionally, it is very irresponsible and careless for any business to expose a customer 's personal information in this manner leaving them vulnerable to data fraud and identity theft that could cause severe damages to me. 
I am requesting M & T Bank issue a formal apology for how badly I was treated. Additionally, they should reform their policies, processes and procedures for the safety and security of all customers. M & T Bank is responsible for ensuring this at the very least and owe this obligation to customers.
Product: Credit reporting

I attempted to dispute this with transunion, but their online system keeps giving me an error message. 

There is a XXXX account reporting on my transunion report. I have never opened a kohls account. The account number is showing XXXX and I have no idea what this account is. I have never paid on this account because i had no idea it was even opened.
Product: Vehicle loan or lease

Purchased a lemon law XXXX XXXX using Capital One loan. And from start to finish Capital One used unethical business practices!! With the loan XXXX to closing out the loan being paid in full! Capital One has intentionally not provided credit report with full accurate information. All credit reports shohld show PAID IN FULL! Not late etc!!! Paid Ontime!! And Paid as Agreed!! 

Capital One unethical business practices should be fully investivated! 

Never ever ever get credit with Capital One!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later 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 is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I looked upon my credit report and discovered these accounts that need to be deleted. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX XXXX XXXX. 
My only social security number is : XXXX My only and correct date of birth is : XXXX My only employer is : XXXX  My only phone number is : XXXX Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office XXXX and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely, XXXX XXXX XXXX. Driver License, SSN Card, and Proof of Residence
Product: Debt collection

BYL collection Services debt collection didn '' t verify collection no contract or no signature
Product: Debt collection

This company is collecting for a cable network that I havent had service with In 9 years
Product: Credit reporting or other personal consumer reports

They have been sent numerous complaints. The AG has been contacted since XXXX, XXXX, and XXXX. I've requested reports and documents to validate their claims and I've received nothing yet they continue to report false information to experian who have corroborate with them and never provided any documentation to the accuracy of the account. The accounts are not reporting 100 % accurately and also identity theft reports were sent as well as ftc fraud reports sent to experian. 15 U.S. Code 1692c - Communication in connection with debt collection says that all communication should cease and desist. no talking to any bureau or me
Product: Credit reporting or other personal consumer reports

I havent been able to get a copy of my consumer report from XXXX XXXX XXXX, Innovis, or XXXX XXXX.
Product: Credit card

On XX/XX/XXXX and XXXX I called to inform American Express that the charge on my card was fraudulent for {$1000.00} maxing the card out. The charge was not done by me and done without my permission. Upon letting them know that they refused to take any action until the charge posts to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX  XXXX XXXX  XXXX XXXX  XXXX ) with trans union on my credit report that was discharged as part of my bankruptcy. I provided court documentation to transunion after contacting this company XXXX XX/XX/XXXX. This item was discharged XXXX of XXXX but continues to remain on my credit report even though its been established that I am not liable for the debt.
Product: Credit card or prepaid card

Company : Chase Credit Card for Amazon.com I am a victim of identity theft. I just became aware of this on XX/XX/XXXX by a different credit card company. As a result, I have placed a fraud alert on my credit report and ordered all three reports. <P/> I received a missed call on XX/XX/XXXX from the following number : XXXX at approximately XXXX XXXX. The caller left a voicemail identifying himself as XXXX from Chase Fraud Prevention Dept for Amazon.com Credit Cards. He left a call back number of : XXXX and a reference number. <P/> I did not call the above number as I am leary about the validity of the caller. My guard is extremely high at this point. I instead used XXXX to find a toll free number for Chase. I called XXXX at approximately XXXX XXXX. <P/> The 1st Customer Service Rep I spoke with was XXXX. I asked to be connected with the Fraud dept. I also asked him to provide me with their phone number ( in an effort for me to try to verify the phone number left on my voicemail ). He stated they did not have a number?? But stated he could connect me to them after verifying my information. I explained the situation of how I am not a customer of theirs, I received a call from the Fraud dept, and that I did not feel comfortable supplying him with my personal information. XXXX did not seem to understand the seriousness of my concerns so I requested to speak with his supervisor. I was then connected to XXXX. She identified herself as the Fraud Dept Supervisor. <P/> I reiterated my concerns to XXXX. She stated their phone number is : XXXX. She was unable to confirm if the initial phone number left on my voicemail was valid. She too requested my personal information that I was not willing to provide for my security. Besides, they should be able to use the reference number to pull up whatever file that has been created in my name. <P/> Out of frustration with the process, I stated I was ending the call with her. <P/> I then decided to call Chase again, but this time using the phone number listed on my credit report which is : XXXX7. A gentleman by the name of XXXX answered. I explained my situation and he connected me with XXXX ( a male ) in the Fraud dept. I gave XXXX my full name, the reference number left on my voicemail, and explained the situation. He seemed to be more helpful than anyone else I had spoken with. However he asked for my address to send paperwork for the fraud investigation. I refused. In hindsight this seems like a reasonable request. However I am leary as this is the second notification I received of fraud within the past few weeks. <P/> Please, someone help me!! I simply want Chase to void whatever application that was submitted in my name fraudulently. If they opened an account in my name, I want it closed! I also want them to conduct an investigation as to who may have done this. Would someone please contact Chase on my behalf to facilitate this? <P/> By the way, I just noticed a hard inquiry on my credit report from Chase which was apparently done on XX/XX/XXXX ( which I did not initiate ). I want that removed as well!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Product: Debt collection

On XX/XX/XXXX, I received a notification from PayPal with a receipt of {$1000.00} from XXXX on my account. I already had my XXXX account locked at this time due to suspicious activity, so I knew this was a fraudulent transaction. I immediately contacted PayPal through their live chat option with the information about the fraud. I was advised to file an unauthorized transaction case, and did so that same day. On XX/XX/XXXX, I received an email from PayPal saying my case was denied. I logged into PayPal for more details, and to my shock they had allowed six more transactions to go through from the same merchant. I then called PayPal to find out why this was still happening after I had alerted them of the fraud. I was told to appeal the decision and upload any proof I might have to help my case. I filed my appeal with screenshots of me being locked out of XXXX during the time of the transactions, and in less than 10 minutes, it was denied again by PayPals computer system. I was forced to contact my credit union that is connected to my PayPal account and instruct them to not allow any transactions through until I could get my account secured. From the PayPal website, PayPal defines an unauthorized transaction as an Unauthorized Transaction occurs when money is sent from your PayPal account that you did not authorize and that did not benefit you. For example, if someone steals your password, uses the password to access your PayPal account, and sends a payment from your PayPal account, an Unauthorized Transaction has occurred. This is exactly what happened to me and I have become a victim of computer fraud. PayPal has now sent my account to their collections department and offered to settle for a reduced amount. I contacted the office of the Minnesota Attorney General, and they suggested that I file a complaint with the XXXX XXXX XXXX. I would greatly appreciate any help in fighting these charges.
Product: Payday loan, title loan, or personal loan

Today, on XX/XX/XXXX at XXXX XXXX, I received a text message from # XXXX stating that BOA was unable to access my XXXX credit report for verification of credit history. 
I currently have a Fraud Alert and Block on the three major credit bureaus and other bureaus that are utilized for credit history verification. 
During a call to customer service, I spoke with XXXX, who stated that there was no evidence of any account currently in my name and that a Bank of America Credit Card application was submitted on XX/XX/XXXX. No further information was provided. 
I was then transferred to the Fraud Department. The pre-recorded message stated that I would be contacted by email, which had not yet been submitted. 
I have previously experienced verbal acknowledgement at the XXXX, illinois Location, of a home loan that did not surface during a XXXX bankruptcy filing. An actual application had been submitted to purchase a XXXX XXXX townhome in XXXX XXXX, Illinois. The loan request submitted at was denied. 
In an attempt to obtain information on said loan at a later date, I was told that no information was available pertaining to the loan ever existing. 
Following the bankruptcy filing, I was advised by a Debt-XXXX XXXX employee via dial that I must submit payment for a home mortgage that did not surfaced during the filing. 
Today at XXXX, I spoke with XXXX ( sp? ), who transferred me to the Credit Card Department. The prerecorded message stated they where unable to take my call. The recommendation was that I attempt to call back at another time. 
At your earliest convenience, I would like all pertinent information concerning the application submitted, identification submitted as verification of identity today so that I can make one trip to file a police report for this identity fraud attempt along with a recent submission and denial letter in the last few days from XXXX for a Credit Card. 
There has also been a disputed fraudulent Bank account closed with a police report number filed following two attempts at XXXX XXXX in Illinois.
Product: Payday loan, title loan, or personal loan

On XXXX I was giving a hard inquiry from SunTrust DBA Lightstream bank. I had called the bank in which I had no previous knowledge of to dispute the hard inquiry. The customer service representative stated they would report fraud but nothing has been done. The loan is still on my credit report as an hard inquiry. I never apply for SunTrust DBA Lightstream bank.