23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XXXX XXXX is currently charging me for two rings that 1. I never received. 2. I called and cancelled immediately after the order. 3. I have called customer service MULTIPLE times and they always transfer me to Comenity, Comenity says that they can't handle it, so I keep explaining to them and they still have it charged on my account. I believe the company is doing this to people on purpose and they are breaking the law. The merchandise was cancelled almost immediately after I ordered it. They assured me it would be cancelled and I didn't have to worry about it. Now I'm being charged for two engagement rings that I do not have. They have made their process unreasonable and cumbersome. They surely have record of my cancelling these items. Every time I call to discuss it a no one can help me. I want them to remove these charges so I can pay off what I actually owe and close the card. They are breaking the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a delinquency reported by XXXX to all three credit bureaus. 
XXXX corrected the delinquency with all three bureaus. However, TransUnion is now showing the inaccurate delinquency again on their report. TransUnion corrected the information on XX/XX/18 on my report, and I have a TransUnion Dispute Results report that shows the correct account status from their investigation dated XX/XX/18. On XX/XX/18 the status reverted back to the original delinquency. I called XXXX and they stated that no new data has been reported to TransUnion since they corrected the status in XXXX and the account is closed. I called TransUnion and they told me I need to file another dispute and claimed that XXXX reported the account delinquent again. TransUnion is the only bureau that is showing the incorrect info again and refuses to consider they made an error. This has put a hold on my real estate transaction and is costing me {$2500.00} per month in rental income.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts do not belong to me as all my previous and current medical bills have and Since XXXX been Covered and paid for by dc XXXX and under XXXX XXXX XXXX  XXXX, My identity has been compromised in the past and this is the result of identity theft. It has been reported, therefore I'm demanding that this accounts be removed immediately from my credit files. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  {$450.00} Balance updated XX/XX/XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$1100.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney CO Original creditor : XXXX XXXX XXXX XXXX XXXX  {$500.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney DRS  Original creditor : XXXX XXXX XXXX XXXX {$1100.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 8 or 29 negative accounts that I didnt know it existed on my reports u disputed and still showing pls help it says I have like 10!  medical bills and I always had medical insurance I dont understand
Product: Credit reporting or other personal consumer reports

For months I have been inquiring on a specific account on my credit report. The account in question has numerous discrepancies, which violates the FCRA and my rights as s consumer. I have directly disputed this information multiple times with all XXXX bureaus, and the account has came bad as verified as accurate by creditor every time .Not only is there incomplete and inaccurate information on this account, but this account is no longer with the company in question. They no longer own the debt. I spoke to a representative and was assured I do not have an account with this company, even though they are on my credit report verifying this account. I have a video of the recording with the representative from Opploans, with both parties acknowledging the conversation is being recorded. She confirms that the account is no longer belongs to the company and she can not give me any more information. I will be leaving link to video below. I am hoping this will rectify the situation without a need to present this clear evidence in court. 

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

Since I looked at my credit report months ago, I've discovered that some of the data was still inaccurate. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the 3credit bureaus are obligated to authenticate certain items. ( A ). It is unacceptable to treat certain reporting items as unverified rumors without providing evidence within the prescribed window of time. Sections 611 ( a ) ( 1 ) and 609 ( a ) ( 1 ) ( A ). ( A ), look into the unverifiable things and correctthem from my report right now. XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX reports that I had violated state/local laws by speeding in a work zone on XX/XX/2022 during a level 3 XXXX inspection XXXX The inspection took place near XXXX, XXXX, but I was never cited for breaking any laws during that inspection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian UNFAIRLY IS REPORTING INACCURATE CREDIT INFORMATION PLACING CREDITORS ABOVE CONSUMERS. Experian has a Financial Duty to VERIFY INFORMATION REPORTED IS ACCURATE. See attatched Experian Dispute Results # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX WAS NOT OPENED BY ME. I REQUESTED DRIVERS LICENSE AND SIGNATURE TO OPEN THIS ACCOUNT BE VERIFIED BY EXPERIAN THEY DENIED. ( Kindly Note REINVESTIGATION OPTIONS ARE TO CONTACT THE PROVIDER OF THE IN CORRECT REPORTING. THIS COULD NEVER BE A FAIR FIX FOR CONSUMERS. ) I demand Experian XXXX VERIFY THIS ACCOUNT WITH DRIVER 'S LICENSE AND SIGNATURE TO OPEN IN MY NAME XXXX OF XXXX OR DELETE IMMEADIATELY ***** Verify Address ID # ALSO PLEASE XXXX as my Address. Please Provide XXXX ACCESS TO DISPUTE DIRECTLY WITH EXPERIAN LINK.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on Experia suggesting ways to boost my credit score, they matched me with credit cards I could apply for, that would accept me. I tried 2 of those and it resulted in an instant decrease in my credit score since they both denied me. I have tried calling and the number is automated with no option for dispute resolution, and can not get through to a live human agent. There is no other dispute option except by ground mail, which isn't a viable option at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I complained about this company, Experian, before and the company claimed that they would look into it, but did not provide any proof that they have any information showing that my credit is still linked to XXXX prior addresses. I have asked repeatedly that the old addresses be removed and they refuse to do so. This is prejudicial to my credit and this information needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

I was recently subjected to adverse credit action by XXXX XXXX  ; and as a result, I requested my credit report from all three credit bureaus, including XXXX, Equifax, and XXXX. Equifax and XXXX were unable to provide me any credit report despite providing a credit score to the lender. I have mailed my request and attached copies of identity documents in support of my request, but I have not heard from the two bureaus after mailing. I was advised over the phone by Equifax and XXXX that it would not be advisable for me to further access my credit file online, as there exist certain metrics ( XXXX block? ) that further prevent access to my credit report after any additional attempt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX XX/XX/year> Experian Dispute Department po box XXXX, XXXX, TX XXXX. 

Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX, I am writing to formally dispute inaccurate information on my credit report, as reflected in the entry for Credit Collection Serv with account number XXXX. I have reviewed the report, and I believe the following details to be incorrect : 1. Original Creditor Name : The report lists The XXXX XXXX XXXX as the original creditor. I have no record of any account with this company, and I believe this is either a misattribution or an error. 
2. Balance Details : The report states a balance of {$100.00} as of XX/XX/year>. I do not recognize this debt and believe it may have been reported in error or as a result of identity theft. 

I request that you investigate this matter and provide verification of the debt, including the following : Documentation confirming the validity of the debt and its connection to me. 
Details regarding the date and nature of the account and the transactions leading to this balance. 

If your investigation reveals that this information is inaccurate, I request that the erroneous entry be corrected or removed from my credit report promptly, as required by the Fair Credit Reporting Act ( FCRA ). 

Enclosed are copies of relevant documents to support my dispute [ e.g., a copy of the credit report with the account highlighted, proof of identity, and any supporting statements ]. 

Please provide the results of your investigation in writing at your earliest convenience. If you require further information, feel free to contact me directly at ( XXXX ) XXXX or XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

On XX/XX/XXXX of this year, in an effort to pay down a credit card balance of $ XXXX plus with CapitalOne ( CO ), using my online bill pay with XXXX  XXXX XXXX, I inadvertently sent CapitalOne {$25000.00} instead of the {$2500.00} I intended. Upon realizing the error when the payment was posted in my online banking account on XX/XX/XXXX, my wife spoke to XXXX XXXXXXXX XXXX on the following day. She was told by XXXX that the money had been taken from my accounts ( checking and savings as I have overdraft protection ) and was floating out there in some financial cloud and that we would not be able to do anything to fix the error until the money landed at CapitalOne. After the money landed at CapitalOne, my wife spoke to a CapitalOne representative who acknowledged that there was a credit of $ XXXX plus ( CO assumed that since I had sent enough to cover the entire balance, that that was my intention, hence the credit for $ XXXX and change. ) and that CO would mail her a check for the amount that we should expect within ten days. Ten days came and went and no check. As luck would have it, I called 15 days after the error was posted and was told that we would have to wait 15 days before a check for the credit could be issued and since today was day 15, a check would be issued and I should have the check within ten days. Ten days and still no check. Going to my CO account online I noted that on XX/XX/XXXX, CO posted a credit of {$18000.00}. Still no check. We have made several phone calls, spent hours on the phone either on hold waiting for account managers and explaining the situation at least a half dozen times. All to be told the check was in the mail. Where are we today? Still no check. On XX/XX/XXXX, I spoke with XXXX, an accounts manager, who told me that a decision was going to made on the XXXX about how this was all going to be resolved. On the XXXX of XXXX, we spoke to XXXX, an accounts manager and were told that CO would stop payment on the first check issued and issue a second check which will be mailed to us. I am a XXXX XXXX whos looking at retirement and has worked hard to save that money. {$18000.00} is a lot of money and is the foundation of my familys financial security. We asked, insisted that CO XXXX  XXXX, XXXX or XXXX or use any secure method to send us our money. They ( he ) refused, stating that the postal service is the only way CO sends checks to their customers and that we should receive the check within ten days. When we stated that the USPS already failed us once, please use a secured method to send us our money, XXXX said no and that CO usually waits for the customer, us, to hang up in frustration. When asked if there is any system in place where we could directly inquire to insure the check had actually been issued and in fact mailed, the answer was to call the 800 number and ask for an account manager. 

We need your help. The stress this matter is causing both my wife and myself, the hours spent, to no avail, to try to get our money returned and the underlying fear that this money will disappear into thin air is beyond our having to be patient.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report the account listed as XXXX XXXX incorrectly. The account has several inconsistencies which means it has not been properly validated. Furthermore any account charged off with a balance over {$1.00} that credit balance is due to the consumer so how is this account reporting a high balance and several late payments. 

Account Type - Detail : Flexible spending credit card Credit Card - Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX High Credit : {$13000.00} {$13000.00} {$0.00} Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Canceled by credit grantor Account has been closed due to inactivity. 
Accounts closed by credit grantor Amount in XXXX XXXX is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have carefully reviewed my credit report in XXXX. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 
XXXX XXXX XXXX XXXX XXXX WELLS FARGO CARD SER 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

Transunion DateXXXX File : XXXX Names Reported : XXXX XXXX is not my legal name and I feel it is affecting my credit. 
XXXX XXXX is a female name. Not my legal name. 

Transunion has acted reckless with this name in which has affected my credit score in reasons by wrong names on my credit by Transunion credit file. 

I'm also filing a complaint with the US attorney to investigate Transunion wreckless actions affecting my credit.

Address Reported by Transunion are all wrong with multiple address duplicated of home address as well as phone numbers are not mines.

Transunion has mix credit names of a woman and man in =which are not me and therefore has an impact on my credit file on mix credit. XXXX XXXX XXXX I have consulted with a credit attorney out of Texas in regards of legal action by the impact of my credit file and negligence by transition Mixed credit file incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Office of Administrative Adjudication. 
Docket number : XXXX Filed : XX/XX/XXXX Pertaining to the above even though the Bureau found that between XX/XX/XXXX and XX/XX/XXXX XXXX violated the Fair Credit Reporting Act ( FCRA ) and Regulation V by furnishing consumer loan information to CRAs that it knew or reasonably should have known was inaccurate ; failing to promptly update and correct information it furnished that it later determined was incomplete this company is still violating the FCRA in XXXX. On XX/XX/XXXX I made my car payments using Automatics Payment the only method of payment open to me In the amount of {$500.00} for my XX/XX/XXXX payment. On XX/XX/XXXX I received an automated call from XXXX Asking to collect a debt. Because of this I placed a call to XXXX to inquire why I would be receiving a phone call when I had in fact paid my scheduled car payment. On the XXXX day after my scheduled auto payment I was notified that my payment was not received through the automated system. This is the second time that this has happened and the results have caused a credit drop of XXXX points I immediately notified the representative that this is unacceptable. XXXX failed to put into place reasonable means of payment methods for their clients and instead furnished late payments to the ( 3 ) credit bureaus without even an alert as initially promised at the time of electing the auto pay method. I received no alert of a missed payment due to their auto payment error in almost 18 days after the payment was due! Further, I filed a complaint to XXXX and requested a response within a timely manner. Furthermore, after realizing the error I expeditiously made the payment but I have no faith in the payment methods that are available to me as a client. XXXX has now responded and notified me that they only accept payments through their automated system even though it may be experiencing issues. I request the assistance of the consumer Financial Protection Board with my dispute to remove the inaccurate information being reported against me by XXXX and that it is causing extreme hardship to some one with once impeccable credit and brilliant payment history. In the face of future occurrences with XXXX 's inability to provide other means of payment methods there will always be this issue and the auto finance seeking public should be aware that doing business with XXXX will dramatically ruin your credit.
Product: Credit reporting or other personal consumer reports

I am having technical issues with my Experian account and am unable to talk to a human to resolve the issues. I tried their general customer support line and no amount of menuing is successful. As a last resort, I tried using their sales line as an avenue to a human. I did reach a person who supposedly transferred me to their consumer line, but as I write this I have been on hold for XXXX hours. In total I have been troubleshooting this for XXXX hours. 

I am traveling and am I need of access to my credit report and temporarily unfreezing my experian credit, but can not even reach the login page due to a strange error. I have accessed my account countless times and have not had issues before.
Product: Debt collection

Eastern Account System of Connecticut , Inc. ,  XXXX .  XXXX   XXXX   XXXX , CT  XXXX  -  XXXX ,  XXXX  (  XXXX  ) AGREED to delete the debt from my credit report upon payment in full on a recorded line.   I did pay the debt in full. It is a medical debt and went to collection when I will still making payments in good faith to the original creditor. I checked today and the debt is marked paid in full and not deleted as agreed. The collection agency has not kept their word to me or made false statements to entice me to pay.
Product: Debt collection

EasternAccount system in CT is trying to collect a debt that I dont owe. I asked them numerous times to verify that the debt belongs to me but they refuse. I put a dispute with XXXX and XXXX. XXXX removed it but XXXX didnt because it was verified by them. They are claiming that I owe a balance to XXXX XXXX but when I contact them XXXX said that my balance is zero. Called them numerous times and never got a solution.
Product: Money transfer, virtual currency, or money service

In the month of XXXX, XXXX, there were several unauthorized transfers from my Chase Bank checking and saving account to a company called XXXX. Chase Bank did not notify me at all with these transactions neither did I authorize XXXX to transfer those money. So when I first found out about it in XXXX, XXXX, I reported the claim to Chase Bank. They took a month-long investigation then gave me the info of the company. I tried to resolve the issues from both banks, but none of them wanted to be responsible. 

Here 's what Chase Bank failed to do to protect my funds as their customer : 1. Failed to notify me asap through physical mails or e-mails about the unauthorized transactions. 
2. Failed to refund me the monthly service fees in whole which they continued to charge me when both of my checking and saving accounts were being emptied.

3. Failed to alert me asap when there were unusual activities on my account.

4. Failed to do their due diligence for the investigation. I had to push them to tell me who the recipient of the funds was. Otherwise, all the details weren't provided in their investigation paper. 

Because of Chase Bank 's negligence, I couldn't report and close the account asap. There was zero notification from them, and they avoided talking about that subject matter and blamed me, their customer, for not protecting the data myself. 

If they were to notify me on time, I could have stopped and reported the illegal activities instead of being responsible for the loss.
Product: Credit reporting

I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called Lexis Nexis and spoke to XXXX. I advised her that there was an inaccurate bankruptcy ( docket XXXX ). I advised her that I would like to dispute the information on my Lexis Nexis risk report and Lexis Nexis Public record report that is used to report information to the 3 Major credit agencies. She advised me that she put in the 2 disputes and that the investigation would take up to 30days. On XX/XX/XXXX I called again to Lexis Nexis just to make sure that the previous rep did actually put in the disputes as I had requested and spoke to a supervisor XXXX. XXXX apologized and stated that the previous rep XXXX that I spoke to on XX/XX/XXXX only sent in one dispute by mistake and that he would submit the other dispute and backdate it to XX/XX/XXXX which was the original date that I called in to dispute it. On XX/XX/XXXX I called Lexis Nexis and spoke to supervisor XXXX. She advised me that the dispute that XXXX put in on XX/XX/XXXX was completed but the dispute that XXXX put in on XX/XX/XXXX had not yet been completed. I advised her that 30days has passed since both disputes had been entered. She stated that the dispute that XXXX put in was for XX/XX/XXXX and had not been back dated as he previously advised me it would be since XXXX failed to do it when I called on XX/XX/XXXX. I advised her that I called in on XX/XX/XXXX and requested that both reports ( XXXX and Risk Report-public records ) be disputed and that XXXX failed to submit the Risk Report dispute so that is an error on Lexis Nexis. Per FCRA all disputed items must be investigated within 30days of the initial dispute of XX/XX/XXXX. Lexis Nexis failed to investigate the bankruptcy docket # XXXX within 30days from XX/XX/XXXX so the inaccurate item must be removed