23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

THIS COMPANY IS REPORTING A MEDICAL RELATED DEBT ON MY CREDIT REPORT. ITEMS HAVE BEEN UNLAWFULLY AND INACCURATELY REPORTED EVERY MONTH BRINGING MY CREDIT STANDING DOWN SIGNIFICANTLY. I HAVE ATTEMPTED TO RESOLVE THIS MATTER WITH THE CREDIT BUREAUS ON THREE OCCASIONS WAITING 40-60 DAYS IN BETWEEN EACH INQUIRY WITH ONLY ONE RESPONSE BUT NO INVESTIGATION REPORT. PLEASE INFORM THIS CREDITOR THAT IF THIS MATTER IS NOT RESOLVED WITHIN A REASONABLE TIME, AFTER THIS CORRESPONDENCE IS RECEIVED, I WILL FIND MYSELF WITH NO OPTION BUT TO PURSUE THIS LEGALLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chex Systems , Inc., responded to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/2023 review CFPB Complaint Number : XXXX in regards to my complaint of the Reported Information of XXXX XXXX XXXX XXXX XXXX, amount : {$16000.00} listed on my Chex Systems Consumer Report ID Number : XXXX. Chex Systems informed the CFPB on XX/XX/2023 that the reported information of XXXX XXXXXXXX XXXX XXXXXXXX. for amount {$16000.00} was deleted and removed from my Chex Systems Consumer Report, but the reported information is currently still listed on my Chex Systems Consumer Report ID : 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  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 an 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: Prepaid card

For a long time I asked about someone accessing my account and why my bank can transfer funds also they keep saying to me that they have worked on it but don't fix it. Since 2023
Product: Checking or savings account

I think my identity information has been exposed and stolen, being used to open debit cards, I received random debit cards in the mails with my name on it which I am not authorized nor aware of. please advise if theres a way to stop the XXXX
Product: Mortgage

To whom it may concern.

I live in Florida and I have US Bank as my mortgage provider. Late in 2024 ( XXXX ) we were hit directly by XXXX hurricanes, my place of employment got destroyed and I was out of work for over XXXX months. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX I heard US Bank was offering financial help with those directly impacted. I called them and asked what were my options. Now this is before any payments were late or deferred, no payments were ever late. So a gentleman said I qualified for said program. It was explained that I dont have to make any payments for XXXX months WITHOUT any consequences, no fees, no late payments and absolutely nothing was said about reporting those payments late. So I took that offer, especially at that time, as I was unsure of how long I would be out of work. I was told to relax and call back at the beginning of XXXX. I called back at the time I was told too. My next conversation with someone from US Bank was to go over my options at that point. They gave me XXXX options, pay those months back in full at that time or put those months at the end of my loan, if I qualified. A second mortgage is what I understood and they said I did qualify for Well I took that second option especially considering how little I worked in those XXXX months. They even said they would even put that fourth month ( XXXX ) in there as well. Now once again I wasnt told this would have a negative consequence, ie reporting me XXXX months late on my credit report. At this point it sounded amazing and like US Bank was actually helping me. Wasnt until a couple weeks go by and all of a sudden US bank has reported me 4 months late. For one thing, why would they wait 4 months to report I was late. I monitor my credit all the time. I would have immediately stepped in and stopped whatever they tricked me into. I was actually never late. This isnt fair. I was not told once by any of these employees of US Bank that this is a negative thing I was doing. I simply thought it was helping me. I would have NEVER done what they suggested, if I was told this would happen. Ive had that much money in my savings account if one person would have told me that I would have been marked late. My credit score was above XXXX before this its currently below XXXX points. No way my credit should fall off like this because of this situation. I was literally tricked into their program. Not sure how its actually legal. Im working on that part if I can actually take this to a court. Could we please move these late payments from my credit report and adjust my score, if possible. I appreciate your time. Have an amazing day. 
XXXX XXXX
Product: Credit card or prepaid card

On or around XX/XX/2019, I placed into dispute a {$90.00} charge on my Chase Bank credit card. 

On or around XX/XX/2019, Chase Bank re-billed this erroneous {$90.00} charge. 

I provided supporting documentation showing : 1. email confirmation from the merchant of the cancellation of the 2 items, and 2. chat transcript from the merchant confirming that a credit of {$90.00} was going back to my bank.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

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

on XX/XX/2023 I flew to Colorado to purchase a used vehicle. I did not request or authorize additional inquires for financing. I had already received proof of approval and submitted the deposit on XX/XX/2023. The finance manager did not realize that had already been done and proceeded to mass request approval for an auto loan. XXXX notified me of the attempts and I immediately brought this to the attention of the person who was selling me the vehicle and he put a stop to it. Since the XXXX of XX/XX/2023 I have been in regular contact with the dealership I purchased the vehicle through, The auto loan financing company 's they submitted to and the credit bureaus themselves. Each of them is stating it is the others responsibility to have it removed. XXXX XXXXXXXX XXXX states they have no record of it yet they are appearing on my XXXX account. Ally Bank has submitted a dispute and XXXX XXXX XXXX has not responded to me. There are several more company 's appearing on my credit reports that have not sent me anything via physical or electronic mail stating they ran my information for an auto loan inquiry. The dealership requested these inquiries without my approval, direction or knowledge. After the fact they informed me they were ONLY soft inquires which was a blatant lie. I am requesting assistance in insuring the immediate removal of these unauthorized inquires.
Product: Debt collection

I was contacted by ADR solutions about a debt they are trying to resolve out of court for their client XXXX. They stated they are not a debt collector but a legal firm and to avoid felony warrants being filed for a debt they claim I did not pay in 2015 that I would have to pay XXXX dollars. I asked for a validation letter via usps mail but they declined and said they only send via email. They said this is to stop me from being processed for bank fraud and that they will file the paper work if i do not pay. I just wanted to know what the debt is and to see the actual legitimate paper work but they again refused. I called XXXX XXXX and they say they are not affiliated with whoever is claiming to represent them. I out of fear sent them XXXX dollars until I spoke with a friend who is an attorney and said to stop payment to them and not do anything unless they verify the debt or show you proof of who they are. They would not disclose who they were or the address or any information on their supposed client besides it was XXXX. I could not find any collection on my credit report showing this debt or anything close to this. I received a call from a superior court clerk in another county saying this company was looking to file charges on me but they had filed it in the wrong place and to not turn myself in for a warrant. I found that strange and called the court and the only 2 people in the office said this is impossible as they had no information or any idea what I as talking about. So I am thinking they sent bogus paperwork to this superior court so they would contact me or they used the phone number thinking it was my county to send a fake phone call. This was very terrifying and has cost me XXXX dollars. i called back one last time today and again demanded some valid form of identification or verification in writing of this debt and they refused and sent me an email that is actually a word document they created stating I owed money. I will continue to follow up to resolve this.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ally Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and other accounts were opened illegally and without my knowledge or consent
Product: Vehicle loan or lease

I need your help. I bought a XXXX XXXX XXXX in XXXX. My salesman told me that it comes with a XXXX warranty. My transmission went out yesterday. My mechanic told me this make of car has been having transmission problems for years But my salesman told me it's a great car and deal. Should he have mentioned the transmission problem with these cars? I was just looking through my paperwork and he charged me for his so called warranty but it's a service contact. He time it's included. Also last year I had problems with my brakes, oxygen sensor, and engine stalling for no reason. When I went to the service department I was told my warranty expired and it's not covered. But I service contract covers this. That was illegally added to my loan. They took advantage of me cause I'm a woman and a senior. I want all my money back I spent on repairs and for illegally adding warranty charge to my conract. I also want to return the car and get all monies paid on car to Santander financing.
Product: Credit card or prepaid card

Capital One consistently deny my disputes despite proof of due refund and still made me pay interest on canceled transactions. 

I disputed a XXXX XXXX XXXX  charge because I canceled the purchase within the timeframe and was still charged. I submitted email with proof of due refund and explained situation. Capital One repeatedly denied my claim and appeals within 20minutes of receiving the paperwork or I would get a notice saying it was never sent in. 
The excursion staff manager, XXXX informed me that the refund had to be canceled and processed separately by a different department due to it being charged with the room and I should receive my refund at checkout. 
I emailed back and forth with XXXX regarding my refund and spoke with the XXXX booking department. The last correspondence from XXXX was his team requesting my full credit card number which I did not feel comfortable providing via email to someone in a different country so I submitted the request to capital one. The excursion staff informed me that CapitalOne was allowing them to keep the funds and they would not be refunding me. 

The room was {$390.00} The excursion was {$230.00} TOTAL : {$630.00} Upon arrival I was charged tax making my grand total : {$630.00} I am disputing {$240.00} of this amount for the excursion and associated tax
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX I have always made my payments on time. For some reason, I realized that there was 30 days late payment on my credit report and I do not believe I was late on the dates they are reporting. I contacted them TransUnion times now & they claim this information is been verified but they have failed to provide me with any proof. This account should not be showing I was of 120 days late since it's a closed account & Ive never been late. Please investigate this matter & provide me with verifiable proof as I have seen none in the last 4 months of me disputing this issue. 
XXXX XXXX XXXX Opened : XX/XX/2017 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Called creditor they agreed to remove this account from my profile, It has been 60 days and they have not done so CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Potentially Negative Account Name CAPITAL ONE Account # XXXX Account Type Banks and S & Ls Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Open Mo. Payment {$0.00} Payment Status 90 days past due High Balance {$950.00} Limit {$750.00} Terms Comments XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE TO PRICIPLE IS NOTICE TO AGENT After reviewing my credit reports I noticed that your are alleging that the following accounts are negative without furnishing any proof of verification or accuracy of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( 4 ) XXXX XXXX  + XXXX XXXX XXXX + XXXX XXXX XXXX  + XXXX XXXX XXXX + XXXX XXXX XXXX  + XXXX XXXX XXXX + XXXX As you know it is against the law to report any information not proven accurate.I demand that you provide me with concrete evidence of my obligation to said accounts Please be aware that all negative remark found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 
I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. If you accept my request, I will not escalate this matter to Federal Court. In the case you dont accept the above request, legal action shall be taken against your company for compensatory damages. 

Thank you for your attention to this matter. 

Sincerley, : XXXX XXXX XXXX All Rights Reserved Without Prejudice
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a XXXX form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX BANK XXXX ACCOUNT XXXX : XXXX ACCOUNT NAME : XXXX - XXXX XXXX XXXX # : XXXX ACCOUNT NAME : XXXX, XXXX. 
ACCOUNT # : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts and inquiries from my credit report due to my status as a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request that any accounts resulting from identity theft or data breaches be blocked and deleted from my credit history. 
The accounts and inquiries that need to be addressed are as follows : XXXX Accounts : XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$320.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA payments never late DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$4300.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$2500.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$6300.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$2900.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$7400.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$3300.00} Status Open. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX XXXX {$2000.00} Status Open. {$6.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$29000.00} Status Open. {$120.00} past due a
Product: Money transfer, virtual currency, or money service

Cash app have been sent accidentally or by any other means over the years and when I would try to get into contact with support, there was nothing. No live agent, no one to really help me ever. Whenever something goes wrong on cash app, I just have to take the money loss.
Product: Student loan

I contacted XXXX XXXX XX/XX/XXXX to consolidate and to start repayment on an XXXX. It is XX/XX/XXXX and they have not processed my request despite several calls and assurances that it would be done within 30 days.
Product: Checking or savings account

I deposited a check on XX/XX/XXXX ( XXXX XXXX, XXXX, # XXXX ) from a scammer who claimed to be XXXX XXXX from XXXX XXXX. Before I realized two days later that the check was fraudulent, I expedited two XXXX transfers on XX/XX/XXXX in the amounts of {$980.00} and {$1000.00} to a colleague of the scammer based on the funds from the check that I now know is fraudulent.
Product: Debt collection

So a few years ago, I had XXXX XXXX and I cancelled my account using the my XXXX XXXX. Under the Servicemembers relief act. I handed the representative at XXXX a hard copy of my orders and he said dont worry it will be taken care of so I said thank you have a nice day and did my 12 month XXXX. So now I look on my credit report and it states I owe XXXX {$640.00} when the account was canceled I did not lease a phone, I did not have a outstanding balance. The company EOS CCA to which is collecting this unjust debt. Is refusing to acknowledge my orders and the service members relief act. I showed them my orders and even provided them proof that Im still serving in the United States XXXX. They are rude and refuse take the account off my credit. Ive disputed it and exhausted every other option. Please help me. I have the provided documents that will hopefully help
Product: Credit card or prepaid card

I have 3 Citi credit cards : Citi Doublecash ( member since XXXX ), Citi Diamond Preferred ( member since XXXX ) and Citi Rewards ( member since XXXX ). 
This past XX/XX/XXXX, I was emailed a letter which I did not really pay attention to regarding my balances for Citi Double Cash and Citi Rewards. I have always been a great standing member and just recently Citi began providing my credit score to me as well. I have always received special offers and credit increases in the years i have been a member. In the past almost 2 years, I have purchased a home and a car ( major purchases ) affecting my credit which has taken a dip but mainly due to inquiries and adjusting for these purchases. Never has this affected my ability to pay my bills and I kept my balance at about 25 % of my total credit limit so well within my utilization. In XX/XX/XXXX, Citi reduced my credit limit with no reason except for my XXXX XXXX from {$7500.00} to {$1700.00} on my Doublecash Card ( balance : {$1700.00} ) and from {$6500.00} to {$2500.00} on my Reward card ( balance : {$1800.00} ). I called multiple times, spending about an hour plus on a phone call each time. On my final attempt, I was finally able to reach a supervisor. Each time I called, I would get hung up on while the transfer was occurring and this would happen after spending at least 45 minutes ( min ) on a call- very frustrating. No one would ever state a reason to me before reaching a supervisor and told me repeatedly, they could not understand why this had occurred. Finally, about 2 weeks ago, I was able to reach a supervisor, and they told me it was because of my credit score. Citi, upon its own random doing, took it upon itself to reduce my credit by thousands of dollar, for no real reason, damaging my credit score even further. Can you imagine if every credit company decided to do this to it's customers with no good reason? How damaging this is to the credit I've established? I want NOTHING more to do with Citi- they are discriminating. What exactly is their criteria for randomly making these so called " credit checks '' - I'd like to know. I consider this complete discrimination on the company 's part and how reckless of them to hurt their consumer 's credit instead of assuring they help. This is very damaging and I NEVER want to do business with them again.