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

Early XXXX XXXX Contacted original creditor, XXXX XXXX XXXX , and asked for account to be moved back in their possession, they agreed, and a payment plan was set up. Agent with original creditor assured that RSI enterprises would no longer have my account, that they would notify RSI enterprises, and that the system of RSI Enterprises would be would be updated within 2 weeks. 

XXXX : RSI enterprises continues to falsely report that my account is still in their possession as a derogatory collections account. XXXX  has removed this from my account and Transunion is unable to dispute. XXXX  is pending. 

Under the FCRA, this is false information and is illegal for them to continue reporting as if my account is still in their possession. 

I WILL NOT attempt to contact RSI enterprises directly out of fear of humiliation, harassment, and retaliation which was experienced by contacting this company before. I have a history of harassment, humiliation, and retaliation with RSI enterprises from an account in the past. To keep from further mental anguish from this company I REFUSE to contact them directly. 

It is my right to have my credit reported accurately and efficiently. Both of which, RSI enterprises is failing to do.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX XXXX XXXX Account Number : XXXX Account Number : XX/XX/XXXX Account Number : XXXXXX/XX/XXXXAccount Number : XXXXXX Experian : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX, TransUnion, XXXX XXXX  are all negatively effect my credit score due to not removing accounts proven unverified. XXXX attach screenshot of proof of my claim
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was used without my consent in order to open credit and put inquiries on my credit report which is hurting my credit. 

Transunion ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

At the end of the lease, we refinance the loan away from XXXX XXXX. We no longer had credit with them. When taxes came due on the vehicle, the city of XXXX sent XXXX XXXX a bill. This bill should have came to us. XXXX paid the bill. They then started posting late credit payments on our credit reports for late payment to a loan that was closed. We attempted to resolve this with XXXX XXXX. We reimbursed them the money they paid the city of XXXX and told them that we did not ask them to do that for us and did not agree to any credit terms for those payments. They are refusing to remove those late payments on our reports. Currently myself and my the co-owner of the XXXX XXXX are showing a 30 and a 60 day late for XXXX and XXXX of XXXX we did not have a loan or credit agreement with XXXX XXXX at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few credit cards on my account that tried to work with the consumers by paying some that were mine and trying to resolve what wasnt mine a fair resolution would be to remove from credit its old its a back and fourth situation and it has to have an end XXXX XXXX XXXX {$740.00} / XXXX XXXX XXXX is attached to them also first progress $ XXXX avant- credit card $ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  for $ XXXX XXXX {$570.00} just a bunch of cards just used under my name I need serious help in getting some of this deleted and me calling them and paying for now 7 credit repair companies Im tired and this is my last place to look for help thanks to whom this may concern.
Product: Student loan

I refinanced all of my student loans thru XXXX and the loan funded on XX/XX/XXXX. They still have not made payment of XXXX to the servicer XXXX where my loans continue to accrue interest. XXXX has placed my current loan on XXXX  % interest for the time being until the payoff is made but they have provided no accounting for when and if that payoff will be made. XXXX, the servicer of my XXXX loan has been less than helpful. I have called them over XXXX times over the last XXXX weeks to resolve this situation and its now XX/XX/XXXX. They still haven't provided me with any sort of timeline as to when my XXXX loans will be paid off so I am trying to get some answers. XXXX has always referred me to XXXX for any questions and when I talk to XXXX they tell me that XXXX accidentally sent the payment to the wrong address for XXXX of over {$42000.00}. They told me over XXXX business days ago on a recorded line that the error would be addressed within XXXX business days. I am trying to get my XXXX loans paid off so I can finish this refinance that should have been done XXXX business days after XX/XX/XXXX. Please help me. Also they tried multiple times to place interest bearing forebearances on my account without my permission. I can provide ID numbers for most of the agents I spoke to at XXXX if need be as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS INFORMATION REPORTING IS UNKNOWN I HAVE NEVER DONE BUSINESS WITH THESE COMPANIES YET THEY ARE ON MY CREDIT REPORT FROM XXXX XXXX EACH COMPANY REFUSED TO RELEASE MY CREDIT REPORT. THEN I HAVE MEDICAL BILLS ON MY REPORT AS WELL MY BANKRUPTCY STILL SHOWS AFTER I HAVE REQUESTED TO REMOVE IT AND ACCOUNTS LIKE XXXX XXXX KEEP REAPPEARING AFTER THEY WHERE INCLUDED IN THE BANKRUPTCY. THESE OTHER ACCOUNTS LISTED BELOW ARE UNKNOWN TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX =THIS ITEMED IS CHARGED OFF AND SOLD 3RD PARTY AND IT WAS IN MY BANKRUPTCY TOO MERCHANT CREDIT XXXX XXXX XXXX XXXX I REQUEST THAT MY BANKRUPTCY BE REMOVED
Product: Student loan

I am enrolled in the public service loan forgiveness program. In order to do this, I consolidated my loans into the federal direct loan program in the fall of XXXX and have been certifying my employment as a social worker along the way. My letter stating my date of eligibility for loan forgiveness has a portion of them eligible XX/XX/XXXX, but then has another portion of them due for forgiveness in XXXX. This does not make sense as the loans were all consolidated at the same time. I informed my loan servicer ( myfedloan ) over a month ago and they sent it to the Department of Education for manual review, however, there is no response yet and no clear time frame of when there will be a response. Please note that this issue seems to be with getting a response from the Dept of Education and not the loan servicer themselves - the options from the first screen do not quite capture the issue.
Product: Debt collection

OnXX/XX/XXXX, I received a debt collection letter from A.R.M. Solutions, Inc. about a {$19.00} debt from their referenced client XXXX XXXX XXXX ( XXXX ). I returned the original letter, wrote them a cease communications letter and sent them via certified/return receipt mail onXX/XX/XXXX. <P/>A.R.M. Solutions, Inc. received my documents on XX/XX/XXXX. In my cease communication letter, I explained them I will be contacting XXXX about this debt and I do not want to deal with A.R.M. Solutions, Inc. <P/>The debt was written off sinceXX/XX/XXXX when I called XXXX. <P/>A.R.M. Solutions, Inc. ignored my cease communications letter and sent me another debt collection letter which I receivedXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX. XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, SYNCB/PAYPAL add a hard inquiries on my credit report per XXXX and XXXX. 
On XXXX XXXX, XXXX, XXXX add a hard inquiry on my credit report per XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Request for Accuracy and Reinvestigation of Charged-Off Account Under the Fair Credit Reporting Act ( FCRA ) Dear XXXX, I am writing to formally request a reinvestigation of the charged-off account associated with my name and/or account number XXXX in accordance with the Fair Credit Reporting Act ( FCRA ). I believe there may be inaccuracies in the reporting of this account to the credit bureaus and wish to ensure that all information being furnished is accurate, complete, and up to date. The FCRA requires that furnishers of credit information maintain strict standards of accuracy, and I would like to verify that the information reported by XXXX XXXX complies with those standards. To assist in your investigation, I am requesting the following : XXXX. A detailed review of the information associated with the charged-off account. 
XXXX. Verification of the accuracy of all reported details, including dates, amounts, and any relevant history. 
XXXX. Correction of any inaccurate or unverifiable information. 
XXXX. Written confirmation of the outcome of your reinvestigation, including any changes made to the account information. 
Please complete this investigation within the time frame prescribed by law and notify me of the results in writing. If additional information is needed, please do not hesitate to contact me. Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your reinvestigation and any corrective actions taken. Sincerely, XXXX XXXX
Product: Credit card or prepaid card

i call them and ask to stop calling me and the agent i talked to said oh you want me to stop calling you i said yes im having problems when i get my check i will pay and they keep calling i should not have to ask them more then once
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report : DPT EDXXXX XXXX Balance : {$4900.00} DPT EDXXXX XXXX Balance : {$6100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent proof of an identity theft to all credit reporting agencies and also received word from XXXX XXXX  that they were contacting Transunion, XXXX, and XXXX  to let them know that ai closed my account in good standing yet Transunion and XXXX refuse to remove items that ARE NOT MINE AND ARE NOT DEROGATORY!!
Product: Credit reporting or other personal consumer reports

I submitted XXXX IN XX/XX/22 Capital One confirmed receipt in XX/XX/22 Capital one continues to report late payments and it has affected my credit worthiness.
Product: Credit card or prepaid card

Hi. 

I was making a payment on my Capital One credit card on XX/XX/2017, and missed their XXXX XXXX   deadline by about an hour. The penalty was {$35.00}. I called a rep and they tried to waive the fee, but since I had one penalty waived this year, their computer would not let them. 

Unlike most credit card companies, Capital One requires you to make the payment at XXXX XXXX. Any payment after that is moved to the next day. Mine was paid over the phone at about XXXX XXXX - one hour or so past their deadline. Most credit card companies take payments to XXXX. I live on the West Coast and the work day for me does n't end at XXXX XXXX. The payment due date fell on a Friday. It also happens to be a day when a lot of people get paid and have to get to the bank before the end of the work day. 

If you make a payment during a 24 hour period, it should be credited that day. I cant think of any reason for a cutoff time other than to bleed their customers. Can CFPB do anything about this?
Product: Payday loan, title loan, or personal loan

I've had this loan for almost a year. Each time I've been given the loan in going over the paperwork there are sections you sign off on for the insurances you get with the loan. I've always marked all the boxes because the lady going over it with me goes over each one.  The last time I renewed my loan the lady was incredibly mean and did not take the time to go over everything with me. I was laid of of work on XX/XX/2019 and for the first time had to file unemployment. When I called to let this company know that I will need to file a claim, the lady who answered said I did not get the unemployment insurance and would not be able to file a claim. I explained my side of it and she said do you have your paperwork which I did not get copies of. This loan was based off of my pay before I lost my job.
Product: Credit card or prepaid card

# Original transactions : - On XX/XX/XXXX, I booked XXXX plane tickets for {$1400.00}. 
- On XX/XX/XXXX, I rebooked this flight for a later date. Since only one day had passed since the original booking, and the new flight date was further in the future, the new tickets were priced the same as the old ones, and the rebooking fee was indicated as {$0.00}. I completed the rebooking process without any request for payment. My card was not charged, and the new flight date was confirmed when I checked the booking code on the XXXX site. 
- On XX/XX/XXXX, the date of travel, I was informed at the airport check-in counter that " the ticket was never issued. '' I was asked to pay {$930.00} immediately or face denial of boarding. I believe the quoted amount represents the difference in ticket cost as if I were rebooking it on the day of travel, despite having already done so two months prior at a more favorable price. I expect the merchant to honor the price I was originally given. 

If any charges were required, I should have been notified on XX/XX/XXXX, and my card should have been charged as part of the rebooking process. Changing the travel date displayed on the XXXX system necessitates a payment, except for technical errors, which I believe is the case here. 

# Dispute with XXXX : This complaint pertains to Chase, so I'll be concise : I have spoken to XXXX twice, and their response has been that " I took the flight, '' leaving the core issue unaddressed. They have not discussed what transpired during the rebooking process on XX/XX/XXXX. 

# Dispute through Chase : - On XX/XX/XXXX, Chase acknowledged my dispute, in which I provided the aforementioned details ( CLAIM ID : XXXX ). 
- On XX/XX/XXXX, Chase sent me two letters : " We consider the disputed charge ( s ) valid '' and " Here 's dispute information from the merchant ( s ) for your review. '' The second letter essentially reiterates my conversations with XXXX, including evidence showing that " I took the flight. '' However, there is no mention of addressing the initial rebooking process. The letter also contained a form to continue the dispute, which I completed. 
- On XX/XX/XXXX, I received another letter ( CLAIM ID : XXXX ) stating, " We reviewed our original finding that you are responsible for the credit card transactions you disputed with us. '' Once again, there is no indication that anyone investigated the issue beyond accepting XXXX 's assertion that " I took the flight, '' which is not the point of contention in my dispute.
Product: Credit card or prepaid card

I was given an involuntary, unwanted upgrade on a rental car, resulting in a surprise, unauthorized additional charge on my credit card. Chase Bank says that because I received the service of the upgrade, even if it was involuntary and with no notice of approval of any additional charge, I am prohibited from disputing the charge. Moreover, the merchant effected fraud by purporting to show a document with my signature ; in fact, I made my signature on an electronic device that did not display the terms of the document the merchant produced. Chase likewise prohibits me from disputing the transaction upon this fraudulent representation of approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Equifax, XXXX, XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 

( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX )
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT XXXX XXXX XXXX Last reported XXXX XXXX, XXXX {$1900.00} Open balance XXXX XXXX Original creditor Your company have violated

FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX Last reported XXXX XXXX, XXXX {$1900.00} Open balance XXXX XXXX Original creditor I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX ADDRESS : XXXX XXXX XXXX, XXXX, FL XXXX
Product: Debt collection

I have been contacted multiple times via phone, by a company titled Paramount Recovery Systems regarding a debt of {$1200.00} stemming from another company named XXXX XXXX XXXX XXXX in which I owe not even a dime to. 
I responded to the company by phone and requested all original contracts they claim Im attached to but Paramount Recovery Systems has yielded XXXX results as there arent any in existence. 
I am not responsible for any debt with XXXX  nor have knowingly established any contracts with Paramount Recovery Systems
Product: Checking or savings account

My account was frozen in XXXX of 2018 due to the Patriot Act. I have submitted multiple times the information they have requested and the bank will not release my funds. Last correspondence with them was XX/XX/2018.
Product: Credit reporting or other personal consumer reports

RE XXXX XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX - XXXX - XX/XX/XXXX - {$630.00} XXXX XXXX XXXX - XX/XX/XXXX - {$280.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX SSN : XXXX I recently obtained a copy of my credit report from your services and found the following items to be an error. 

Creditors Account Name and Number : XXXXXXXX XXXX XXXX  According to section 15 U.S. Code 1692g ( Validation of debts ). 

1. I want all creditors to send me a detailed list of the history of payments made by me on this account. 
2. I want to see the signature that I put on a contract guaranteeing that I would pay this creditor. 
3. Im asking to see has there been any insurance claim filed on this debt. 
4. I want proof that you have the chain of title to collect on this debt. 

15 U.S. Code 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes thedebt collector to cease furthercommunication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 

In addition, Im requesting a description on how the investigation was conducted along with the name, address, telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from this investigation, i am requesting that an updated report be sent to those who received my report within the last two years or employment purposes, or any purpose. 

Thank you for your prompt attention in this matter. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Inaccuracies, inaccurate reporting by the company XXXX. This is fraudulent doing on behalf of these two companies. 

XX/XX/year> Reference number : XXXX - XXXX - XXXX Source - XXXX Company - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
Product: Mortgage

I have submitted almost all of the documents to Seneca, spoken to their representatives and have explained why some documents are not in accessible, to no avail they have denied my request for a modification and have informed me I will need to resubmit everything again. 
I feel this is a stall tactic for reasons I do not understand.