23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX a fraud number was added to my CHASE XXXX under the name of XXXX. The fraud number attempted to XXXX themselves to their number twice, both times it was denied. My chase account was the automatically locked. I called chase and once i regained my account after updating password and login info I went to my statements where i found XXXX was taken away from my account from XXXX. Fraud transaction was reported to the fraud department. A couple weeks went by and they denied my request. I then went to a nearby branch and they advised me to make a police report to reopen my case. On XX/XX/XXXX the police report was made and i submitted it to the chase the branch. On XX/XX/XXXX i called the fraud the department for an update, the case re opened and they determined i still made the transaction. I never was notified or received an email that of the XXXX fraud transaction on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails i am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) I am afraid these XXXX credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts. 

I have remained humbled despite the stress, abuse, and harm thee XXXX credit reporting agencies have done to me. 


DELETE THESE ACCOUNTS :
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not accurate. The balance is wrong and I need it validated. I do not have that card.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( s ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX, Apt XXXX XXXX XXXX XXXX XXXXXXXX Current Employer : XXXX XXXX XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card

I have been for over a year trying to dispute some charges that a dental office charged me to my XXXX card for services/treatments that they proposed, but were never completed. The dental office charge me for the full cost of the treatment, even though they did not perform or complete the services/treatment proposed as per our agreement. I initially attempted to resolve the problem directly with the dental office, since my efforts were unsuccessful, I have requested assistance and disputed the charges directly to the credit card company ( XXXX ) in multiples occasions. The office visit was On XXXX XXXX XXXX  and the initial charges were for {$7000.00}, which was after disputed, decreased to {$4800.00}, which is still exceeding by a lot the amount I should be charged ( {$490.00} ) for the work that was actually performed. Even though I have explained the credit card company that those treatments that the dentist is charging me for, were never completed and I have asked them to investigate the problem several times, they have not done anything for me, they have failed to complete a proper investigation and they have just trusted what the dental office had claim and nothing have been done to really clarify this situation, I had even send them picture of my mouth so they can see none of those treatments were done, but still wasnt enough for them to believe me and provide appropriate resolution to this problem. Please, I need your help to resolve this problem. In order to provide evidence, I went for an evaluation to a different dental office, attached you can see the treatments I need according with this evaluation and you can compare those with the treatments that the previous dental office claimed they provided. See pictures attached for details.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, there were 5 forced debit card transactions posted to my account from Coinbase. All 5 were duplicate amounts from previously charged purchases. These amounts were {$490.00}, {$650.00}, {$700.00}, {$750.00}, {$750.00}. I was unable to reach customer support via telephone due to call volume after waiting an hour on hold. Further support request via web support only resulted in an email notification of the problem stating : " Thank you for submitting your request. Due to increased volume it may take several days to receive a response. ''
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, 2020 I purchased a company vehicle because I had established business credit to obtain a business loan. XXXX  XXXX XXXX Ive had a hard time paying the loan because the company has been impacted by the Covid 19. After checking my personal credit report XXXX is reporting on my personal credit report. Ive signed up XXXX times for an extension and paid the extension and ally never honors it. They are still asking for the amount that was last due. 
Recently, I went into an agreement on XX/XX/XXXX. The first payment was due XX/XX/XXXX 2023. I paid the first payment XXXX XXXX, 2023 online. XXXX tried to take another payment from an account that I didnt authorize that. My extension payment didnt get noticed. In XXXX XXXX, 2023 I tried to make a payment and the system is requesting {$1000.00} instead of the required {$380.00} that I agreed to. I called on XX/XX/XXXX2023 and the representative notated the account and saw where I made the agreement and that department was closed. Today XX/XX/XXXX2023 I spoke to XXXX people and no one assisted our company. This is unacceptable and predatory.
Product: Credit reporting or other personal consumer reports

In accordance to The FCRA A disclosure of my nonpublic personal financial information by Acima Digital FKA. This disclosure have violated my rights under 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act, which restricts the sharing of nonpublic personal information without my explicit consent. 

***The account number reporting XXXX as a charge off. It also has been reported as a loss on the account reporting. 

Details of disclosure has been reported to the credit bureaus, XXXX. 
I will also be attaching a copy of the disclosure contents reported on the credit reports attached to my Name, SSN and D.O.B that has been reporting to the credit bureau.
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 XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : RESURGENT/LVNV FINDING Account number : XXXX
Product: Credit reporting

Dear sirsAm facing a serious problem with a car dealer XXXX XXXX XXXX XXXX, where i went there with my cousin to co-sign with me buying a new car, since i just moved to XXXX and still building my credit score, we talked to the financial rep. about the inquiries and not inquire more than XXXX banks, and that what he did while we were there and he came back telling us we are approved by XXXX XXXX XXXX bank at a rate of ... .., so we agreed on it and we came back the XXXX day to close the deal and be done. 
Then later after 1 week we are still receiving inquiries they did after we left and it reached XXXX inquiries. 
Appreciate your help sirs and need to control this dealer acts since he is harming all the community around him and many customers came back after when we visited them back to know why he sent more inquiries although we already agreed on the bank and the offer!! 
this is considered misuse to the agreement that we gave him to pull the score since it was already agreed from our side on the second offer we had from XXXX XXXX 's bankThanks a lot for your support and appreciate your feedback
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I sent a letter addressed to Experian last XX/XX/2022 requesting that they conduct an investigation and correct the information being reportied by the furnishers. I have also sent letter before the said date and have been waiting for them to respond and yet they have sent me nothing. Experian must validate this account in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account that needs to be investigated and corrected from erroneous reporting in my file is listed on my credit report : XXXX  XXXX XXXX Late Dates : XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of ID Theft a few years ago pertaining to a XXXX auto loan, I have been in the process addressing the fraud in regards to my personal credit profile.
Product: Checking or savings account

Starting halfway through XXXX, we will say XX/XX/XXXX it became impossible to access the account in anyway. The mobile app opens but does not even attempt to login ( I can input the wrong password and it doesn't even try and then tell me it is the wrong password ). The website is opens as well but does nothing else, you can not log in normal as they have changed something with the log in. It asked me to re-register starting with my card number and expiration. I can not get past this because it always says it is the wrong information no matter what. There is no email to contact. The website will only give you " call the number on the back of the card ''. Which is fully automated and will not send you to a real customer service rep for any reason. I have attempted to reinstall the app, I have tried on different devices, I have tried to website on different computers. I have tried mobile service, and WiFi, and both together. I have tried all of these every single day since XX/XX/XXXX, including finding a way to contact them. I have gotten nothing and am panicking about losing all my savings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint with you regarding information on my three credit reports. I provided proof/evidence that one of the three credit reporting bureaus removed the information. I sent a complaint to you because the other two did not follow suit. You contacted TransUnion and their reply was that this had already been disputed, but they did not discuss the 'new information ' meaning proof that XXXX had removed the information from my credit report. Matter-of-fact, their letter says nothing about the new information ; it just talks about the old dispute. I am passing my complaint because TransUnion did not reviewal on the new information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. My 1st dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX and again on XX/XX/XXXX. Today is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an identity theft report with the FTC several months ago when I noticed someone had used my private information to obtain credit in my name. Now, XXXX XXXX XXXX has placed 2 unauthorized accounts on my credit reports and can not prove they belong to me. When I received a letter from this collection agency, I sent them a letter disputing the account and was never given information proving the accounts were mine. The accounts were then placed on my credit report. I would like assistance with helping them remove these unauthorized accounts from my reports.
Product: Debt collection

They called and said it was regarding my medical problems when I answered the phone they then stated it's collections iam.XXXX  with XXXX XXXX so I believed it This was on XX/XX/2024 at XXXX XXXX they called from a fax line XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, Transunion and XXXX ( Furnisher of information to credit agencies ) are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, Transunion and XXXX do not have my consent to furnish Negative information that is effecting my personal mode of living, and they surely do not have my written consent. Any and all consent to XXXX, Transunion, XXXX, whether it be verbal, non-verbal, written, implied or otherwise is REVOKED. XXXX, Transunion and XXXX ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 seven years. '' Any Negative account reporting are adverse items that are reporting again without my permission which is against the law. Per their Privacy Policy XXXX, Transunion, XXXX ( Furnisher of information to credit agencies ) also states that I the Consumer have the Right to Opt-out and Correct my credit File. 

As a Federally Protected Consumer XXXX, Transunion, and XXXX ( Furnisher of information to credit agencies ) Reporting is Effecting my Personal Mode of living which you said you would not do Per your Privacy Policy Statement. Please correct this at the recipe of this complaint.
Product: Debt collection

I received mail saying I had an past due bill for an XX/XX/XXXX account but everytime I attempted to call IC SYSTEMS, inc ( the debt collection agency ) to dispute they never answered the phone. To dispute via their website, I would need to have a bureau investigation number, but the fact that this is NOT my account I dont know what it is. I decided to wait for it to hit my XX/XX/XXXX app then dispute it. Ive been disputing for over 3 months and nothing at all. Ive dispute even through my chase app and I believe IC systems is trashing ever dispute entered without reading it. Someone opened some type of cable bill/phone bill and stopped paying it in XXXX of this month. This account was never on my credit UNTIL the XXXX month meaning someone slapped my name and address on it and they accepted without rulos le checking. I want proof that I opened this account with signatures and dates. Its said how some debt collector workers get paid commission over something that literally can effect someones livelihood without double checking.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX Capital One arbitrarily reported a balance of {$630.00} to the credit bureaus adversely impacting my credit score. The information reported is incorrect based on the following factors. 
Last and Previous Statement balance was {$0.00}. 
{$630.00} will not show as an amount due anywhere at any time. 
The report was made on XX/XX/XXXX although the statement cycle is the XXXX through the XXXX. 
On XX/XX/XXXX I called Capital One as my disputes with the credit bureaus did not result in the deletion of the incorrectly reported item as Capital One responded to the agencies that this information was correctly reported. I was informed that I needed to send written correspondence to Capital One in order to dispute the incorrectly reported item with them. 

On XX/XX/XXXX Capital One responded electronically ( although customers are not able to correspond with them any way other than writing a MAILING in a letter ) indicating that they will revise the incorrectly reported amount to another arbitrary amount of {$9.00}. How can Capital One not delete the incorrectly reported item, but revise it to another incorrect amount. The {$9.00} amount is likely based off of the XX/XX/XXXX statement that has NOTHING to do with the incorrectly reported amount on XX/XX/XXXX. I called again today XX/XX/XXXX and was told that I would need to write another letter to dispute the dispute results and try to explain in better detail. I chose instead to reach out to the CFPB as I have already done my due diligence and provided documentation to bring this error to Capital Ones as well as all three credit bureaus attention and provided visual aids on why the information was incorrect. 

Capital One is reporting random amounts instead of statement balances that may be a violation of Fair Credit Reporting as per Capital Ones call center rep they should only be reporting what is on the statement. What is to prevent this from happening again? Why do customers have to mail in correspondence, but they can respond electronically?
Product: Credit reporting 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. 

Account Name XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries 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 seven 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

My mortgage is with XXXX XXXX XXXX  and originated in XXXX. XXXX XXXX XXXX  states they have requested Experian Credit Bureau to report my loan information on/within their Bureau. XXXX XXXX replied via email " XXXX XXXX XXXX  has made multiple attempts to get Experian to start reporting your loan. XXXX reported your XXXX  XXXX bankruptcy reaffirmation to them in the proper time allotted, as we did with the other bureaus ; and they did not update your records. Eventually, this led to them purging your file. " This information is required to be a part of my credit history and credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute latter 30 days ago, and still havent received any updates yet.
Product: Mortgage

I 'm trying to keep my home. Wells Fargo is planning on holding a sale while under review for mortgage assistance. My HUD counselor and myself have not been able to get WF to postpone the sale date.
Product: Mortgage

I was told that my mortgage was six months behind, and the mortgage company company can't tell me what months I fell behind. They said that I owe them XXXX dollars but I'm disputing that amount. Now they have remodified my loan my payment increase and they increase my interest rate too.