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

I have aflame blemishes entries that was placed on my credit report and I have been trying for over 8 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 12th dispute in which I am currently awaiting results. On XX/XX/2018 I called and spoke with a representative and inquired how XXXX verifies their public records/accounts. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX  refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine. In addition to public record have student loans from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have an account with credit strong account # XXXX and credit strong reports to all XXXX credit Bureaus but Experian is failing to report my account on my credit report which is hindering me to obtain credit from lenders because my report isn't accurate with the other XXXX Bureaus see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account currently reports information illegally. Thoroughly investigate and update with lawful accuracy. Below are the inaccurate accounts on my credit report : Late Payment XXXXXXXX XXXX XXXXXXXX # XXXX Collection XXXX XXXX XXXX # XXXX
Product: Credit card or prepaid card

CapitalOne closed my cash back credit card, because according to them, " We have observed activity on a past or present Capital One account that is not consistent with our expectations of usage for personal, family, or household purposes. ''
Product: Credit reporting or other personal consumer reports

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer
Product: Credit reporting or other personal consumer reports

I HAVE CONTINUOUSLY CHALLENGED THE INACCURACIES IN THE INFORMATION PROVIDED TO XXXX, EXPERIAN, AND XXXX. UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED AT THIS TIME. 

XXXX : 1. The following personal information is incorrect Former : XXXX  XXXX XXXXXXXX 2. The following personal information is incorrect Former : XXXX XXXX  XXXX 3. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX 4. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX 5. Under 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical XXXX XXXX XXXX Account Number : XXXX 15 U.S.Code 1681a ( i ) ( 3 ) .Restriction on sharing of medical information. This medical collection is in violation and must be removed. 


EXPERIAN : 1. The following personal information is incorrect Date of Birth : XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX 3. The following personal information is incorrect Employers : XXXX XXXX 4. Under 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information XXXX XXXX XXXX Account Number : XXXX 15 U.S.Code 1681a ( i ) ( 3 ) .Restriction on sharing of medical information. This medical collection is in violation and must be removed. 

XXXX : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX, WA XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX, WA XXXX 3. The following personal information is incorrect Employers : XXXX XXXX XXXX, WA 4. Under 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information XXXX XXXX XXXX Account Number : XXXX 15 U.S.Code 1681a ( i ) ( 3 ) .Restriction on sharing of medical information. This medical collection is in violation and must be removed
Product: Checking or savings account

My ca XXXX  card was frauded by a unknown person I called bank of america XXXX card services and made a report someone accessed my card while I was in XXXX and I told them I was willing to press charges on individuals response able the next day my card was frozen and claim stopped the bank said ca XXXX had done it I contacted the ca XXXX  and they said that they had nothing to do with it and once funds were deposited to the card they weren't responsible for them. While I was in rehab someone got my card a withdrew XXXX dollars XXXX of dollars. At a time and the bank never even froze the account or waived it supicious activity they allowed XXXX to be takin out over days and did nothing when I got out of XXXX I reported to the bank and summited a claim On XX/XX/2020 claim number # XXXX the say that they needed ca XXXX to fax them some.form ca XXXX said they didn't.know what bank of america were talking about I can get no answers from them they won't talk to me in the claim department. Final the said I had to fill a form out and send it to CA XXXX I did that on XX/XX/2020 and haven't heard anything the havent contacted me or anything when i call they give me the run around saying their waiting on ca XXXX and I contact ca edd They tell me they have nothing to do with it and reffure me back to bank of america they have camera at the banks and they can see it.wasmt me taking money from the card and I can prove I was in rehab they won't call me they won't let me speak to a manager and my claim isn't being processed they are doing this to myself millions.of people I have been diagnosed with a XXXX XXXX  my doctor give me a XXXX % chance of living another XXXX  months and i am homeless because of this please help me with this tell me how.to get answers or to fix it I don't want to XXXX on the streets
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope you will investigate and have actions to verified these accounts. I am still disputting some accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. These are the accounts that continuing reporting on my file : DEPTEDXXXX XXXX BalanceOwed : $ XXXX How many times do I have to tell you that the references for the late payment on this account is erroneous and misleading causing negative impact on my Credit File ? I previously requested for the investigation and correction of this account and yet you have done nothing. DEPTEDXXXXXXXX XXXX Balance Owed : {$19000.00} - How many times do I have to tell you that the references for the late payment on this account is erroneous and misleading. XXXX XXXX XXXXXXXX Balance Owed : {$2400.00} - This account is undoubtedly classified as a charged-off account ; could you please explain why there is a balance. XXXX XXXX Balance Owed : {$0.00} - Please provide documentation that the following account belongs on my credit report and that my rights have not been abrogated. Otherwise please delete this damaging data immediately. XXXX XXXX XXXX Balance Owed : {$5300.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be removedXXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$5300.00} - The number of late payments isincorrect. I never missed a payment. Please adjust immediately. DEPTEDXXXX  Balance Owed : {$23000.00} - Please take off the late things from this account because I think I made my payment on time. DEPTEDXXXX XXXX BalanceOwed : {$19000.00} - I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account. XXXX XXXX Balance Owed : {$2400.00} - This charge off account is reported in violationof the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Please provide proof of the last payment. Otherwise, remove the account abruptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Collection Agency : XXXX XXXX XXXX Credit Reporting Agency : XXXX Debt Amount : {$3500.00} Date of Debt :? 

I have been disputing this debt since XX/XX/XXXX with XXXX. I have asked for verification that I did any business with XXXX XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX I finally called XXXX, and they stated that the collection agency " XXXX XXXX XXXX '' has verified the account. 

I then called XXXX XXXX XXXX and asked them to produce something that shows this is my account. They only said that they have my name, social security and an address that I never lived. 

I then hung up with them and called XXXX XXXX XXXX XXXX XXXX XXXX ( the original creditor ) and asked them to produce a signature or document from the original date of service and she did n't have it and referred me back XXXX XXXX XXXX. 

They have not produced any item that shows this is my debt. 

I am requesting that this be removed from my credit report
Product: Credit card or prepaid card

I had an account with Target credit card and the account was closed and charged off. I noticed the company is reporting the account information inaccurately on my credit report, so I reached out to the credit bureaus to let them know that the account is not reporting correctly and they continue to validate the account even though the information is inaccurate. I reached out to Target credit for the XXXX time on XX/XX/2021 and they failed to correct the account afteXXXX XXXX months of disputing this inaccurate account with them. They keep ignoring my request for an investigation. They refuse to delete the inaccurate information from my credit report. They continue to send me the same auto generated letters month after month in response to my disputes. They are reporting the account inconsistently. Each credit bureau reports this account differently. I found the FCRA 's XXXX 's XXXX that states that furnishers have specific obligations including reporting 100 % accurate information, not 90 % or 95 %. Target credit violated the FCRA by ignoring my request for an investigation and reporting inaccurate information to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against the credit agencies, XXXX, Equifax and XXXX. I have attempted on several occasions disputing an account on my credit reports that is reporting inaccurately. According to the Fair credit reporting act any debt collector that is reporting anything on my credit report has to be reporting 100 % accurately. Secondly, they failed to provide me with proper verification of the account, per section 611 5a of the FCRA any accounts that can not be verified within 30 days should be deleted. I have also reached out to the collector themselves " XXXX XXXX XXXX '' Account # XXXX and they failed to provide me with an accurate validation of the account. I am entitled by law to obtain the following from the collector before I 'm obligated to pay them anything. 
1. Identity of the original creditor.

2. A complete payment history.

3. Documentation that any collection fees were added pursuant to the original lending agreement.

4. A copy of the original agreement between myself and the original creditor which clearly delineates my acceptance to contract and financial obligation to them.

5. A copy the agreement between you and the original creditor showing you are legally the owner of the debt, have received a proper assignment, and lawfully entitled to collect monies on this account.

6. A verification or copy of any judgment, if applicable.

7. Proof that the Statute of Limitations has not expired on this account.

8. Proof that you are licensed to collect in my state.

They are in full violation of the fair debt collection practices act including but not limited to section 807-8 and section 623-b.
Product: Credit reporting or other personal consumer reports

I have an inquiry from XXXX showing on my credit report that i did not authorize nor have knowledge of the company. I request that it be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance : {$130000.00} XXXX XXXX XXXXXXXX Balance : {$38000.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit card or prepaid card

I want to reopen the dispute case with XXXX XXXX MD {$870.00}, I received defective ( open box ) unit and returned it back to the merchant on XX/XX/XXXX2017 via UPS ( agent XXXX ) Tracking XXXX, since then I have been trouble obtaining credit refund from the merchant see attached document, proof of return and credit requests, As a result I dont have the merchandise and i have been doubled charged by citi bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX - TOTAL VISA : XXXXhas violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Product: Bank account or service

In XXXX XXXX, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX XXXX XXXX in exchange for opening a CitiGold account and scheduling XXXX bill payments from the newly opened account. 

XXXX XXXX XXXX equals at least {$500.00} or more in travel on XXXX XXXX. 

After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 

On XXXX XXXX, XXXX, I confirmed with Citi that I fulfilled all terms of the offer and to expect my bonus on or before XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, I did not receive my bonus points as promised. 

On XXXX XXXX, XXXX, An internal investigation was opened. 

Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement. 

Citi must credit my account immediately or additional steps will be taken to collect my promised bonus. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers.
Product: Debt collection

I've gotten phone calls from this number every day now. I haven't answered a single one but I did call back and they claimed to be Citibank and wanted my credit card number or my social security number. It was a bot and they wouldn't let me speak to a representative they wanted to verify my identity by asking for information I would never give out. It's a scam I'm 100 % positive I just want it to stop. Something needs to be done.
Product: Debt collection

Begin receiving emails and telephone calls from Lamont, Hanley and Associates Inc located at XXXX XXXX XXXX XXXX NH XXXX regarding XXXX XXXX ( XXXX XXXX XXXX XXXX ) overpayment that never happened. 

To be sure it was n't clerical error, I called and spoke to a representative of XXXX XXXX and was told they do n't have me on any delinquent account and report it as it may be fraud. 

I emailed XXXX XXXX, Account Manager and Department Supervior at Lamont, Hanley and Associates, Inc and asked where did she obtain the overpayment information. 

XXXX XXXX continued to send emails regarding payments and nothing else. 

I 'm sending a cease and desist letter so that Lamont, Hanley and Associates will stop harassing me. 

Appreciate any assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE IN REGARDS TO INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS AND I HAVE NOT RECEIVED ANY INVESTIGATION RESULTS.
Product: Credit reporting or other personal consumer reports

I am distressed that I have included the information below in my credit profile and that the credit union have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. I sent the first letter to verify the information on XX/XX/2023. and I still haven't received any information on the accounts on my report. 

XXXX. The following account is not mine XXXX XXXX Account XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account XXXX Please remove it from my credit report. 

XXXX following account is not mine XXXX Account XXXX Please remove it from my credit report. 

XXXX following account is not mine XXXX XXXX, XXXX Account XXXX Please remove it from my credit report.
Product: Debt collection

I am disputing a {$1000.00} collection account reported by National Recovery Agency on behalf of XXXX XXXX. This debt appears to be related to an XXXX XXXX visit, but the company has failed to provide a clear itemized bill, medical billing codes, or an explanation of what services were rendered and how the charges were calculated. 

I have contacted both the hospital and collection agency multiple times requesting this information. The hospital staff have hung up on me, refused to return calls, and have not provided documentation. Meanwhile, National Recovery Agency continues to send vague, demanding collection letters without any breakdown of the charges. This lack of transparency and refusal to communicate is unacceptable and violates my right to validate a debt before being held responsible for it.
Product: Debt collection

Results Unlimited Inc. LLC has been harassing me since Ive contacted them about a letter I received. On XX/XX/2019 I received a letter from them stating that I owed them a debt from XXXX XXXX in the amount of {$2300.00}. This amount is news to me being that when I called the apartments they have no file on my stay there so where this amount came from isnt proven. I have then on the same day received another letter from them stating a complete different amount. The amount in this letter was {$2400.00}. Again this was the first time I heard of this. Last I spoke to someone from this company was on XX/XX/2019 and was told that if the debt wasnt collected that they could start garnishing my paychecks on top of taking my taxes. And after speaking to them and not coming to a conclusion, I will now make an effort to file a civil suit.