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

XXXX did a background check with CHECKR background check and some information is not mine. I attached a copy of the packet XXXX sent me and a copy of the claim on my background check. either someone used my lost old expired license or checkr has the wrong information. 

XXXX, NV Consider UNLAW TO TEXT/TALK ON CELL PHONE/1ST ( STATUTE : XXXX ) XX/XX/2014 Case Number XXXX File Date XX/XX/2014 Court Jurisdiction XXXX - NEVADA-XXXX COUNTY-XXXX  XXXX XXXX MUNICIPAL COURT XXXX COUNTY XXXX XXXX XXXX County XXXX State NV Charge UNLAW TO TEXT/TALK ON CELL PHONE/1ST ( STATUTE : XXXX ) Charge Type misdemeanor Oense Date XX/XX/2014 Charge Date XX/XX/2014 Disposition FOUND GUILTY Disposition Date XX/XX/2014 Sentenced to TYPE : FINE : 50 TYPE : COSTS : 65
Product: Checking or savings account

I was charged and never could ever deposit with any more check or charge extra on any overdraft
Product: Debt collection

I have never had the account that the debt collector is trying to say I owe. this has gone on for years dating back to XX/XX/2016. I have contacted XXXX XXXX XXXX many times over the years to dispute this debt and they keep telling me that it is my debt.They tell me it is an account from SYNCHRONY BANK Original Creditor. I have not had any accounts with this bank ever.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding XXXX XXXX XXXX  Number XXXX Dear XXXX I am writing to dispute the inclusion of XXXX XXXX account number XXXX on my XXXX credit report. I believe my identity has been compromised, and I want to bring to your attention the discrepancy in reporting among the credit bureaus. 

All other credit bureaus, including XXXX, have promptly removed the negative account from my credit profile upon investigation. I have evidence to support this resolution. However, XXXX has not responded within a reasonable timeframe, exceeding 30 days for their investigation. 

Given that XXXX has already taken corrective action, I urge XXXX to expedite the removal of the contested account from my credit report immediately. Your swift attention to this matter is crucial in rectifying the impact on my credit standing. 

Thank you for your prompt assistance in resolving this identity theft issue. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian is the only credit bureau that seems to report this misinformation for account XXXX. Experian is reporting that each of the following account were late in XXXX XXXX which is not correct. I sent a letter to both XXXX and Experian over 4 months ago and Experian has yet to correct this information. XXXX and XXXX have since removed this information. I will be moving forward with suing Experian for defamation of character if this is not removed in 7 days being that my initial letter was sent XX/XX/XXXX Please correct the late payments you have reporting for the following XXXX accounts and furnish the correct information. I was never late on any account with XXXX. See the attached copy of my credit report and dispute letter, which is dated, and time stamped. 
Account # XXXX Balance {$4000.00} Account # XXXX Balance {$2400.00} Account # XXXX Balance {$460.00} Account # XXXX Balance {$690.00} Account # XXXX Balance {$1900.00}
Product: Credit card or prepaid card

My bill was XX/XX/XXXX and I forget to pay that day but pay it the very next date XX/XX/XXXX. I am being charge a Late Fee which it is okay but I pay {$60.00} and my new statement is {$95.00} for XX/XX/XXXX. I call and they telling me I still have to pay the {$95.00} because the {$60.00} is reflecting to the XXXX bill not the XXXX bill. The agent was so call explaining why this happening and what she did was hang up on the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been more than 40 days and i havnt receieved any respond from XXXX and Experian. I dont think they did any kind of investigation to my complain
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 these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) 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 XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an account on my credit report inaccurately, the account number is XXXX and this is on all 3 credit reporting agencies. XXXX, XXXX and Transunion, before the account became a charge off, my credit limit was {$2500.00} and as of today, XXXX XXXX is reporting on my 3 credit reports that I owe them {$3100.00}. I do not owe XXXX XXXX {$3100.00}, again, my credit limit was {$2500.00}, they just added so many fees to the account to make it balloon up even higher, this is a misrepresentation of myself by XXXX  XXXX. I do not find it fair or correct that XXXX  XXXX is able to report this inaccurate information on my credit reports and the credit bureaus allow this type of behavior to happen. The FCRA states that 15 U.S. Code 1681 ( b ) all information on a consumers credit report has to be 100 % accurate. I did not spend that amount on this account.
Product: Student loan

Reported that I was 90 days late on a payment, while in a current forbearance.

Credit score dropped 177 points due to this. And credit card limit was lowered due to this error in information.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I was notified by the merchant XXXX  that I had a refund available to me totaling {$1100.00}. I had two options, to receive XXXX credit or have the amount refunded to my credit card. My credit card account, a Chase United Mileage Plus credit card, had been closed in XX/XX/XXXX. I called the number on the back of my card ( I still had the card in my possession at the time ) to find out what would happen if I requested a refund sent back to my closed account. After speaking to a manager, I was notified that if I notified Chase card services of the refund to my closed account, I would be sent a check for the balance to my address on file. I was notified Chase Card Services would hold my funds for 60 days before returning to the merchant. 

I went to the Chase branch near my house on XX/XX/XXXX and requested a banker to help me send notification to Chase Card services including the Transaction ID and all other necessary details regarding the refund to my closed account. She was gracious and helped me fax the information to the correct party. I was expecting a refund check within the next 2 weeks. 

Instead, I received a letter form Chase XXXX XXXX that the refund was not found in their system. I figured I would wait to see if it showed up in the next 10 days ( I was told it could take up to 10 days to receive the refund from XXXX ). 

On XX/XX/XXXX I went back to the Chase branch by my house and asked to send an additional fax with the same information as before to Chase Card Services. About a week later, I received a letter dated XX/XX/XXXX stating that Chase Card Services received my refund and returned the funds to Kiwi.com on XX/XX/XXXX. Chase Card Services told me in this letter to contact XXXX for my refund. 

XXXX is unresponsive and can not be contacted by telephone or email. I sent them a message from my account on their website on XX/XX/XXXX and have not received a response. 

On XX/XX/XXXX I returned to the Chase branch by my house. After spending 1.5 hours on the phone going back and forth with representatives from Chase Card Services, the problem has still not been resolved.

As far as Im concerned, the problem is with Chase Card Services not adhering to their policy of sending me a check for my {$1100.00}. They had no reason to return my refund to Kiwi.com after I had notified them in writing of all information they needed to process the refund and send me a check in the mail.
Product: Credit reporting or other personal consumer reports

this is my XXXX request sending Citizen, XXXX, and XXXX a letters requesting documentation of the alleged late payments pertaining to 15 usc 1666, and a certified letter that was sent out 21 days before any alleged late payments was posted ( 15 usc 1637 ) 15 USC 1666b - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

they have violate the TILA and requesting the account be updated to paid as agreed, never late or Deleted from my consumer report they are reporting inaccurate information as well, see attachment - 15 USC 1666e ( b )
Product: Credit reporting or other personal consumer reports

Dear XXXX : I hope this message finds you well. I am writing to bring several incidents of identity theft to your attention, which have significantly impacted my credit report. The incidents are documented as follows : 1. On XX/XX/XXXX, I filed a police report ( Complaint Number : XXXX ) regarding the unauthorized opening of accounts. Despite my efforts, these accounts were not opened or authorized by me. 

2. On XX/XX/XXXX, I filed another police report ( Complaint Number : XXXX ) concerning identity theft issues related to my personal information. 
Accounts listed on credit report : XXXX  XXXX XXXX XXXX XXXX XXXX I kindly request that you conduct a thorough investigation into these matters and take the necessary steps to rectify the inaccuracies in my credit file resulting from these fraudulent activities. The false information has significantly affected my personal life, causing stress, XXXX, frustration, and loss of sleep. 
I was planning to buy a house and was never able to do that because of this wrong reporting .Additionally, I afraid that Department of education will start garnishing my salary .I was contacting them on a numerous of occasions but without any success .I truly believe that you are the only one who can help Once your investigation is complete, I would appreciate receiving a copy of my credit report reflecting the accurate and updated information. Additionally, I request that you share this letter with your customers when conveying my disputes, or provide me with the contact details of the relevant individuals at the implicated companies. 

Should you require any further information to support these disputes, please do not hesitate to contact me at my daytime phone number : ( XXXX ) XXXX, you can also communicate with me through my email address at XXXX. 

Thank you for your prompt attention to this matter, and I look forward to a swift resolution. 
I attach my Driver License with my current address, Permanent Resident Card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX have reported fraudulent info on my consumer report that need to be removed immediately.
Product: Credit card

On XX/XX/2016 my husband had brought his XXXX and enjoy the park. I fell ill at the park, so my husband rented a wheelchair in order to get me from the park to the parking lot. My husband, XXXX XXXX, understood that the charge for the wheelchair rental was {$25.00} with a {$25.00} deposit. He rented the wheelchair at XXXX and returned the wheelchair at XXXX. Instead of refunding the {$25.00} deposit, the clerk charged him an additional {$50.00}. He was in a hurry to get back to his XXXX and did not double check the receipt. My husband was in error by not double checking the receipt, but that in no way entitles XXXX to {$75.00} additional funds. 
Chase initially took the charges off, but added a {$50.00} charge back to my account XX/XX/2016, even though we had faxed a notice to them on XX/XX/2016 that the amount was still in dispute. XXXX is claiming the charges are legitimate because there are two receipts, even though it has been explained that the second receipt should have had a refund of {$25.00} and not another {$50.00} charge. 
We are unable to reach anyone by phone at Chase or XXXX to resolve this. They call, but there is no caller id and I do not answer unidentified callers. They leave a message and we call back, but they are always away from their desk and do not return our calls. 
I sent them a notice today by fax at XXXX CDT that they needed to call us back by XXXX today or I would be filing this complaint. There was, of course, no return phone call.
Product: Checking or savings account

I filed an original complaint against this business under CFPB XXXX. On, XX/XX/XXXX  ( see attached ) the business used a standard format cut and paste letter. I followed the guidelines of the letter, I provided the business my social security number. I provided the business my drivers license through the Secure Transfer Portal on XX/XX/XXXX  under ID XXXX. On, XX/XX/XXXX  the business is confused and sends me an email asking me what I want to dispute. I NEVER received a copy of my report, thus, I am unable to see what needs to be disputed. The business needs to send me my consumer report.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On This Date Company Opened A Collection. 
Account # XXXX XXXX That I Owe I Have Never Signed Any Written Documents Saying That I Owe This Debt To The Collector. 
They Are Violating My Rights Of The FCRA As A Consumer. 

I Do Not Know Who They Are And Have no Written Consent From My End. 

Also, They Have Not Verified That I Owe this Debt To This Alleged Company Please Have This Removed Off All Three Credit bureaus. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute for a XXXX XXXX bill that went into collections providing proof of the lease at my next apartment showing that I was not in occupancy at the time of the bills. The bills are a fraudulent use of gas after I was no longer at this apartment. I provided the lease and details to the credit agency and the debt collector and it has not been removed and their latest dispute shows the info valid. It is wrong. I can provide the lease at my next apartment if that is of value, Source : XXXX  Date Submitted : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : TRANSWORLD SYSTEM INCXXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
XXXX XXXX XXXX XXXX Account number : XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your investigation and corrections.

Your Cooperation and prompt attention are greatly appreciated.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries that appear on my credit report as a result of identity theft. These inquiries were made without my knowledge or consent and are causing significant harm to my credit profile. In accordance with Section XXXX of the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation into the following unauthorized inquiries and their removal from my consumer report : XXXX XXXX NA Inquiry date XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry date XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complait to you today to follow up the previous CFPB complaints that I have been submiting to fomplain regarding the removal of the fraudulent accounts and information from my Credit Report. On XX/XX/XXXX, I sent a letter addressed to the Credit reporting Agencies to remove the disuted accounts and information completely from my Credit Report in accordance with the FCRA section 605b. The Letter I sent was already my sixteenth ( 16th ) Dispute letter I have been sending. But despite all the letters and efforts I excert, the Credit Reporting Agencies grew ignorant of their duty and chose to neglect their responsibility with the FCRA section 605b. I have read enough to uinderstand my rights which is clearl beoing violated by the Credit Reporting Agencies. I am now submitting this CFPB complaint for another request of the removal of the following disputed accounts and information completely from my Credit Report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/2015 XXXX  XXXX Balance Owed : {$8600.00}
Product: Credit reporting or other personal consumer reports

Attempted to sign up for account for ChexSystem 's consumer portal. After having numerous issues, I was able to get past the information submission part. However, after, I am now unable to continue further due to the website " Unable to generate security questions '' for me. When calling for further help, I was given a number to contact, with them also being confused and unaware of how to assist with me.
Product: Credit reporting or other personal consumer reports

In 2015 I started paying back my student loan with department of education, special program so they stop talking my taxe returns and paid it all in full through the department education payment program!. Now there is three loans instead of one with XXXX company that calls them selfs the handles of student loans!. I told them they are full of XXXX all of my student loan is all paid and done!. Thats what I was told by the department of education!. That my loan was all done through their payment program!. Which may be a scam like everything else out there that is scamming people out of money!. They are saying my {$900.00} balance is now XXXX and counting and its split up in to three pieces!.
Product: Credit card

I have a credit card with Bank of America, which was closed in XXXX/XXXX/08 with settlement. But now it still shows are maximum delinquency of {$1200.00}. Please help to investigate and remove the delinquent amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX, and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX : {$15000.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$420.00} ; XXXX XXXX XXXX Balance XXXX {$570.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$22000.00} ; XXXX XXXX  XXXX Balance : {$1500.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX CARD XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$780.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX PL XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I was identified as having a massive identity theft issue against my accounts. There were cards that were opened in my name and never paid off. I went through the process of having my credit reports locked and OPT OUT to the subsequent companies that feed into the credit reporting agencies such as XXXX, XXXX XXXX, and XXXX. I was told that they have directed that a freeze be placed on my information. But I believe that this has not been done. Please ensure that this has been done.