23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I hired a debt consolidation company XXXX XXXX XXXX ) to help me consolidate this account and after a few months i received an alert stating that the account was in a charge off status. I contacted the debt consolidation company because that's not what they had stated it would happen. They said that they would pay off the balance with the funds i was paying them. Unfortunately they never said that they would have to stop making payments. After I found out what had happened, so I contacted Discover and regained access and made a payment arrangement. This of course had a negative impact on my credit scores. Discover agreed to a settlement offer and to delete the account from my credit report once I paid the account off. Unfortunately this has not happened and now they are not willing to send me a letter stating that the account was paid off or they are not able to delete the information.
Product: Debt collection

HI XXXX ; Im confused and XXXX and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting or other personal consumer reports

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 XXXX. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX 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 it you could assist in removing the following from my credit report, these are the accounts :
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit card or prepaid card

Hello, this is now the 5th tile I have tried to dispute this charge with Capital One, they have asked me for numerous amounts of documents that Ive spent lots of time getting to them and they have still denied me which is ridiculous because so many people are going through this same thing with XXXX and I dont understand how these credit card companies are not having there customers backs through this. My boyfriend and I stayed in XXXX from the dates XX/XX/XXXX-XX/XX/XXXX, we left our card, which is Capital One, as a security deposit for the room Incase of any damage. We checked out of our resort on XX/XX/XXXX and on XX/XX/XXXX the Capital One card we used was charged {$1800.00} and {$99.00} on XX/XX/XXXX. The charge said XXXX XXXX XXXX XXXX #. We booked this trip through XXXX on XX/XX/2019, the total was {$3200.00} including our airfare, this was paid in full on that date. Of course when we saw this charge we tried contacting our hotel ( XXXX XXXX ), which was very difficult because everything was closed due to COVID, I finally got through to someone from the hotel and they had told me that XXXX never paid the hotel for our stay and it was now our responsibility and they were allowed to charge the card they had on file. I tried getting in touch with someone from XXXX and their website is completely shut down. Our only next option was to go through Capital One and file a dispute, we have filed 3 disputes since XXXX and they have yet to do anything for us. I am very upset because we have been a customer for years and they have denied my dispute every single time, we have sent many forms of proof showing our trip was paid in full. They have done absolutely nothing to help us, there are many people dealing with problems from XXXX. We are very upset and hope this gets resolved soon. Thank you
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

VALIDATION AND CEASE AND DESIST National Credit Systems XXXX XXXX XXXX XXXX  XXXX, GA XXXX Account number:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Dear ( XXXX XXXX  ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another XXXX, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 Credit bureaus are reporting a wrong address on my credit report. I never lived at this address and this address is not a previous address : XXXX XXXX XXXX XXXX XXXX, Pa XXXX Please delete this address. 

Please add my address that I always lived at all my life at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX Please open attachment for my ID, SS, bank statement
Product: Credit reporting

Inquires were deleted from my Transunion credit report then added back later.
Product: Credit reporting or other personal consumer reports

These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an inqury that I never did with equifax for XXXX XXXX inquiry date was XX/XX/2021, equifax sent me a new report stating they delated the inquiry but on that same report its still on there. I then call equifax and the guy said he still sees it so he would go ahead and remove it and then I recheck my equifax credit report and its still showing on there after the report says they deleted and the guy who works for equifax said he deleted it, but its still showing on my report please fix this issue thanks. I will attach the report.
Product: Credit reporting or other personal consumer reports

there is XXXX authorized inquires on my credit file and needs to be removed immediatly these are the following fraudulent inquires : XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance XXXX XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX & # XXXXXXXX XXXX XXXX XXXX  ( Hotel and travel ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX accounXXXX XXXX XXXX XXXX needs to be removed
Product: Credit reporting or other personal consumer reports

I been seeing these loans in my credit report I havent ever used been disputing them. They dont do anything the information is inaccurate. I want them removed from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing incorrect late payments with the bureaus since XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/2020 to request the investigation again. While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of the bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by the bureaus to resolve anything. the DAY after I filed my original complaint, data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. They must be held accountable and to the standards clearly outlined in the FCRA.
Product: Credit reporting or other personal consumer reports

TransUnion is continuously updating the date of last activity every single month on these collection accounts. It is clearly obvious that you are prolonging the statute of limitations for these accounts to make them last longer on my consumer report. The date last activity on XXXX is XX/XX/XXXX. The date of last activity on TransUnion is XX/XX/XXXX and Im sure you will change it the next month. Im not sure if TransUnion has some type of business relationship with the collection agency but I am not happy that they are changing the date every month. This account was put on my report XX/XX/XXXX and they are making this account look newer than what it really is which is false and misleading. On XXXX and TransUnion the account states that the account is Paid and in collections and on XXXX it states that the account is closed and late 120 days. TransUnion and XXXX states that the accounts last payment was dated XX/XX/XXXX, while XXXX states last payment was XX/XX/XXXX. 

According to the 15 U.S.C 1681 law there should only be accurate information on my credit report. Transition refuses to correct the incorrect information on my credit report. Thus damaging my reputation and character. Failure to properly investigate or not making necessary corrections after an investigation constitutes a violation.
Product: Bank account or service

I am respectfully requesting your assistance with my bank, Citibank as my requests for assistance are being ignored. XXXX opened this account originally i used to have my cancelled checks returned to me, which all of a sudden stopped. I then requested and received copies of cancelled checks which also stopped without any explanation or reasoning. I disputed and protested this stoppage but nothing came of it. I have since requested copies of cancelled checks and have been told that they can be retrieved online, however because Citibank blocked our access to our account before retrirving these checks i once agsin requested copies and have yet to receive anything from Citibank. I can not begin to tell you how extremely frustrating and aggravating this ordeal has been because i need copies of my checks and payments.
Product: Credit card

I have been trying for over six months to resolve with Capitol One being double charged {$72.00} by XXXX XXXX for a monthly service. The charge is generally on the first week of the month and the duplicate charge at the last week. I have spent multiple hours and calls with Capitol One trying to resolve this problem. I have sent them over and over all the documentation that I have because it is charged monthly onto my credit card. I was advised to cancel credit card and get a new one and that did not resolve issue. I have written them that I do not authorize any further charges on my credit card and they told me I couldn't do that. The final call lasted over eight hours with multiple people. I finally asked and wrote to them to cancel my credit card and I was told I can not do that. This month they sent me a bill with over {$210.00} in interest charges for the interest of the disputed charges. When they told me I couldn't cancel my credit card I sent them the balance in full without the disputed XXXX XXXX charges. 
My account number with Capitol One Venture One is : XXXX XXXX XXXX XXXX expires XX/XX/28 security code. XXXX
Product: Checking or savings account

I made a purchase at XXXX  to ship a package they lost it or stole it. 
I bank with Chime due to its online nature. I was informed I must fill out paperwork via a printer and scanner I dont have access to and threatened to deny my claim if I do not incur added expenses and health risk by going to a copy store. 
Chime does not have humans to assist and while theyre content having no in-person interaction as their business model, that business model is causing me losses and this is what I consider an unfair trade practice
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently have been reviewing my credit report which made me notice that I am a victim of identity theft. All derogatory/collection accounts I do not recognize and multiple inquiries 24 with XXXX, 28 with XXXX, and 30 with Equifax as of now. I am currently just starting to understand my credit and really hate this happened to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : XXXX has my credit score listed as XXXX and Equifax XXXX with the SAME information. AFTER i disputed FALSE infomation on my account with Equifax, they LOCKED me out of my online account. On XX/XX/2022 I call Equifax and spoke to XXXX XXXX XXXX # " XXXX  '' who request that I upload my driver license. I complied, however, the system WOULD NOT allow me to do so, then I was instructed to provide her with VERY sensative PERSONAL information over the telephone. I answered ALL the questions correctly and my account is STILL locked. She even wanted to know the date I file my dispute AGAINST Equifax. I complied and gave her the correct response because the information I have on file and she STILL refused to remove the BLOCK off my account so I can have access via online. I believe that I am being retaliated against for filing disputes against Equifax. As a result, I being prohibited from apply for a credit card with XXXX XXXX Bank because they need me to unlock my credit report with Equifax and Equifax is retaliating against me for filing complaints against them for having FALSE information on my report and reducing my credit score.
Product: Debt collection

These scammers have been calling me for about a month leaving the same voicemail saying " this is a call from united consumers calling about a debt collector, please call us at XXXX. '' The number says it 's from XXXX, VA. These people keep calling me constantly leaving the same voicemail. they use diffrent numbers each time. I have never once answered the phone. I want this to stop immediately! This is a huge obvious scam! 
These are the numbers they use : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a complaint to Ally financial showing they are reporting late payments on my credit. I provided all my bank statements to show that i paid more than what is asked, and before the payment due date. However, they have reported " no payment or late payment '' i called asking why they are reporting late payments, but they said, " payment rejected ''. If payment is rejected then why haven't : 1 ) the Company emailed, called me and say we apologize sir, but your payment did not go through? 2 ) anytime my payments reject, my bank notifies me either with email or a call saying payment returned. where is the returned money? where is the rejected payment stated on my monthly statement? it does not show because I called the bank and they even said that all my payments went through. So, if my payments went through, why is ALLY Financial rejecting them? i asked a few lawyers I know, and they told me sometimes companies will scam extra money out by rejecting the payment, then try again after the payment due date so the consumer has to pay late fees. Well, it seems this is what ALLY Financial is doing because all my bank statements, bank tellers i spoke to all stated all my payments went through, and any time someone rejects the money, I am supposed to get it back, but nothing was returned to me. After making a first complaint, ALLY Financial returned that they are the ones looking into the matter and OfCourse found nothing wrong. I want an outside source looking into this matter because I have bank statement proof that i paid more than the amount and before due date.
Product: Credit reporting or other personal consumer reports

This marks my initial attempt to communicate that I've fallen prey to identity theft. I raise concerns and seek clarification regarding certain entries in my documentation stemming from this XXXX  act. The entries in question bear no relation to any legitimate transactions or approvals made by me, involving goods, services, or financial transactions. Should there be indifference to my plight, I request the removal of any data in my credit record associated with suspected fraudulent or extortionate activities.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 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 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 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 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 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 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 XXXX XXXX XXXX XXXXXX/XX/XXXX