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

On XX/XX/XXXX I pulled my credit report from the credit bureaus and I found alot of inaccurate and misleading information reporting on my credit that I have asked the credit bureaus to investigate correctly and fix but nothing has been been fixed but they tell me that the company is reporting the correct information. I have also asked for proof and deminstrations of the procedure that they have followed to determine that the information was true but they have not.This compand has been reporting Charge off after charge off several times which is a violation of my consumer rights under 15 USC 1681 ( e ) and 15 USC 1681 ( i ). This company has also written this debt off but never sent me a 1099 letter that I have requested. I also am requesting a cease and desist to this company on all communications especially to all 3 credit bureause until they can give me a 1099C and removed this debt off my credit. 
Account info Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$230.00} written off. {$230.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$230.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$300.00} Highest balance {$420.00} Terms - On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met 30 Past due 30 days 60 Past due 60 days 90 Past due 90 days XXXX Charge off Payment history guide Charge Off as of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 90  days past due as of XXXX XXXXXXXX 60 days past due as of XXXX XXXXXXXX XXXX XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX This account is scheduled to continue on record until XX/XX/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 immediately deleted. The inaccuracies are highly injurious to my credit score. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation. These were both ignored this needs to be removed from my credit report!

These accounts are Repeatedly reporting charge-offs every month!

Every time the account updates my statute of limitations is extended ; every update makes the account look newer than it is. REAGING THE ACCOUNT IS ILLEGAL!

These accounts are not indicating when or if the account has been sold so that is a misrepresentation of the account status as well as not reflecting a XXXX XXXX balance after transferred, sold and paid. 

As well as once the charge-off goes past 180 days, the account is DONE!

You can not have on time payments! You can not add anything else to it. There should be nothing left on that account.

These accounts were charged off on the following date XX/XX/XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX 
Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I have 2 accounts on experian that are not being verified correctly and have failed to meet the USC 15 Codes and METRO2 reporting standards. The credit monitoring companies are claiming to have verified the information, but after speaking with each of the creditors and they can not verify being contacted for verification of these accounts. These accounts have been requested to be removed from my report but the three credit reporting agencies are not following these requests from the creditors. 

The accounts are as follows. 
XXXX XXXX XXXX XXXX XXXX These accounts are currently in litigation for identity theft and i am waiting for the police reports to populate. with the results of these findings. I have an FTC Fraud ticket open with these accounts listed and tied to the police reports.
Product: Credit reporting or other personal consumer reports

I believe Experian didnt properly investigate my dispute with XXXX. The contract didnt display everything within the contract therefore it was false information provided. The account was cancelled and its still showing on my credit.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX keeps refuses to remove a debt of $ XXXX from my report after i have filed multiple disputes atating that this was due to identity theft. I have never had XXXX XXXX XXXX as a phone company.
Product: Credit card or prepaid card

Discover is incorrectly displaying my balance. The math by Discover dos not add up. 

Last Statement Balance = {$850.00} Posted Transactions = {$0.00} Payments and Credits = {$0.00} Current Balance = {$1100.00} Please do the math. {$850.00} + XXXX = {$850.00}. It does not equal {$1100.00} Additionally, there is Pending Transactions of {$56.00}. Even if those the Pending Transactions are included in the Current Balance the balance would still be off by {$190.00}.
Product: Debt collection

This letter is to reveal the horrible service that I have received from your office. I paid off my account and was promised a Judgement of satisfaction letter. To date I have received nothing from your office but lies and deception. Just today alone I called and was given the run around and was transferred to over XXXX employees and still no solution to the issue. 

I am being held hostage even after I paid off my balance in full. I have not received my paid off letter nor a satisfaction of judgement letter even though I was promised. 

Today alone I have spoken to the following employees:1. XXXX and her manager2. XXXX ( in Customer service ) 3. XXXX in litigation4. XXXX XXXX using ID # XXXX. XXXX XXXX ( Litigation ) 6. XXXX XXXX ( litigations )
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the inaccurate personal information in my file that resulted from an incorrect credit reporting but I still have ITEMS left that needed to be removed. The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that the five ( 5 ) unauthorized inquiries listed were still reporting in my file. The unauthorized inquiries are listed below along with the inaccurate personal information : XXXX : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report.
Product: Debt collection

Information was reported falsely to only one reporting agency. I don't know what this debt is.
Product: Credit reporting or other personal consumer reports

1. This account was charged off on the following date XX/XX/XXXX. Since then the account has negatively been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it multiple times and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX # XXXX 2. I recently disputed the accuracy of this account and it was verified as accurate multiple times how is this possible : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, basin the results of investigation and ( ii ) promptly notify the furnisher of that information that the information has been notified or deleted from the file of the consumer : As you can see above is not accurate and the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX is incomplete and NOT accurate also the highest balance history is incomplete, the payment history is incomplete if I made a payment in XX/XX/XXXX why is it not showing in the payment history also the monthly payment amount is incomplete : XXXX XXXX XXXX XXXX
Product: Debt collection

My wages were garnished already by another creditor. the debt was paid in full. I am getting letters from another debt collector attempting to collect the same debt. photo is of the 2nd debt collector trying to collect the old debt that was already paid
Product: Credit reporting or other personal consumer reports

I requested XXXX documents of validation disputing all the inaccurate information across a XXXX credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, this is XXXX XXXX, XXXX # XXXX. I sent you a letter on XX/XX/2021 and I was told that I was supposed to get an answer from you but to this date, over 30 days have passed, I still havent heard back from you. Someone told me to go to this website to follow up attaching the copy of the very same letter I sent you. I heard that it is a violation to ignore a dispute letter so I hope you wont delay this matter any further. I need this inaccurate and misleading information cleared off. I am fully aware of what I have on my report and what I should not have and the information I listed on my report are all mistakes. please investigate this matter immediately!
Product: Checking or savings account

Wells Fargo has been charging me {$5.00} monthly account fees since XX/XX/XXXX on my savings account. I have no recollection of agreeing to these terms and never understood why my account was charged as such. In total, I was charged {$75.00} between XX/XX/XXXX and now ( XX/XX/XXXX ) I called Wells Fargo on XX/XX/XXXX to ask for a refund of all this amount, they refunded {$10.00} and said they couldn't do any more. After they refunded the amount, I closed the savings account and transferred the remaining funds to my checking account. I am seeking the remaining {$65.00} XXXX. 

I am unable to locate any documentation that clearly outlines this policy.
Product: Consumer Loan

Complaint number XXXX Chrysler Capital has had FOUR MONTHS to provide basic readily available documentation. Correct the false reporting to CRA. Chrysler Capital has been evasive deceptive and combative. Asking for Sixty additional days to do something days that should have been taken care of in the FIRST SIXTY DAYS is clearly more deception and delay tactics and serves no purpose other than to cause Myself My Daughter and the other buyer more harm. If Chrysler Capital needs that time I will deduct {$300.00} a day from from the contract starting on XX/XX/2017 in addition to both financial and emotional damages. Provide loan assignment document, provide audit, provide first twelve months of statements, provide document to CRA to remove falsely reported late payments. provide clear title. I will expect the the above by XX/XX/2017
Product: Mortgage

Newrez has not been complying with my request with information pertaining to my loan. for every call I'm being told something different each time! how is it that 10 different service reps can give me 10 different answers which pertains to my loan? my tax exemption paper was emailed to the Tax Dept for Newrez XX/XX/XXXX which they paid them on XX/XX/XXXX knowing full well XX/XX/XXXX was the due date and that by paying them would cause problems in getting another analysis lowering my payment! on XX/XX/XXXX a male Rep stated they received a check on the XXXX and should be placed back in my escrow acct. on the XXXX of XX/XX/XXXX. So, imagine my surprise when another male customer service rep stated to me that no check was received and that I'd best find out from them where my {$540.00} tax money is. and the clerks office informed me on XX/XX/XXXX a check was mailed to them in XX/XX/XXXX and the check cleared in the same XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I'm living on a fixed income. it's been 1 thing after another with this company! anyone looking to refinance their home? THIS COMPANY IS NOT A GOOD FIT! RUN LIKE XXXX XXXX!
Product: Credit card or prepaid card

I have had this credit card for several years. The last few months I have been hit with late fees, and unjustly. I have tried to make my payments online, like I usually do, and the website would not let me log in. All of a sudden it is asking me to verify myself, then tells me to request a code by text, and when I do, it never comes, after waiting a while I try again, and still the same scenario. I also tried to make a payment on the phone, but it asks me for the full account number, which I don't have. Then it told me that I couldn't make the payment because a current payment was pending. I then tried to ask for a code via email, and when I entered that, it kicks me out of the system and makes me ask for a new code. This cycle is never ending and I can never make this payment on time. I called last month, and she said she would let the correct department know, and that she would set up an automatic payment for me so I wouldn't have to go through this again, and she said she would remove that fee. Well this month, it happened again, I could not log in, doing the same old vicious cycle, and I asked for help again.This time the excuse was that my email was not " verified '' which is why I could not log in. I told her I have had the same email address for years, I never had a problem before these last few months, and how come I get other emails from them if it wasn't " verified ''. They are just making excuses and resorting to dishonest business practices so they can gouge me out of these excessive and unjust late fees.I have always paid my account on time, all the years I have had this card, as well as all my other cards. As soon as I did a balance transfer after not using this card for a long period of time, it seems like they are being vindictive and punishing me, and making up false reasons why I am being charged these late fees. Furthermore, I was able to make the payment the same day that it was due, but their website forces me to choose a later date, and when I try to make a payment on the phone, it says the the current date.So frustrating and unethical!!!!!
Product: Checking or savings account

Good afternoon, I opened a checking account with Wells Fargo on XX/XX/2018 pursuant to offer code XXXX for a {$200.00} cash rewards bonus. My understanding was that I needed to open the account with at least {$25.00} and do at least 10 debit card transactions per month for 3 months - which I did. However, after the 3 months passed, I did not receive the bonus.

I contacted Wells Fargo and they sent me a letter saying that I did not meet all the terms of the offer. After going back and reading all the fine print, I realized that in the fine print it says " Use your Wells Fargo Debit Card to make 10 posted purchases or payments each month of at least {$1.00}, for three consecutive months following account-opening. '' I did make at least 10 purchases each month and they totaled more than {$1.00}. However, I assume that Wells Fargo is asserting that each transaction has to be at least {$1.00}. I think this is very confusing and is just another example of a large bank like Wells Fargo trying to take advantage of working Americans by relying on fine print, that is at best ambiguous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM DISPUTING THE ACCOUNT FOR THE INACCURATE LATE PAYMENT, THE LATE PAYMENT IS INACCURATE BECAUSE THE ACCOUNT IS PAID FOR. PLEASE CORRECT THE ACCOUNT WITH THE CORRECT INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my right. 
15 USC 1681 Section 602 state I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 purpose.
Product: Credit card or prepaid card

I applied for unemployment the beginning of XXXX. I had to get the debit card they offered because they wouldn't accept my routing number for my bank account. The unemployment was approved and it says 3 payments have been put on the debit card but I still haven't received the card. 

I've called Way2go several times and waited on hold for a total of 10 hours only to have someone answer the phone and then hang up on me. I can't report the card lost or stolen because I never received it and set it up. Way2go requires a pin number for the card to report it lost and I don't have one set up.
Product: Vehicle loan or lease

I was originally financed through Ally Financial. I was offered a loan through XXXX XXXX to refinance the vehicle. XXXX XXXX paid Ally on XX/XX/XXXX. I received documentation from Ally my lease was paid off and my title was released and also sent me a refund for my Gap warranty. XXXX XXXX originally assured me that my Gap warranty would still be in play but when i called they said no it wouldn't so i then said i don't want to continue with them. XXXX XXXX had me call Ally on XX/XX/XXXX and again on XX/XX/XXXX to ask them to return the funds. I was then told on XX/XX/XXXX by Ally that XXXX XXXX reversed the check which is impossible. Ally also opened my account back up from the original date XXXX XXXX refinanced, therefor making me have 2 open loans on the same car and also put me delinquent on my account. I then spoke with Ally on XX/XX/XXXX asking why they opened my account back up on that date and i was told if i don't make a partial payment they would be reporting me to credit agency even though they still had the money from XXXX XXXX. I made a partial payment of {$170.00}. XXXX   XXXX in the meantime also has an open account still because they have not received their funds. I called XXXX XXXX and asked why they still had my account open and they said they would not release my title until Ally releases their funds. So i called Ally and they said they would not release the funds until XXXX XXXX released the title. So i'm at a stand still. I called Ally and said i have no choice but to stay with XXXX XXXX because you have the funds and they have the title. They said they would close my account and also refund me the money i applied towards the loan. The next day Ally called me and said they don't have any money from XXXX XXXX that the check was reversed which isn't possible so i called XXXX XXXX and they said no that they never reversed a check and that they went ahead and sent the title to Ally to help with this process. But Ally is still saying they have no funds and that they also don't have my title even though it was shipped XXXX and was signed for on XX/XX/XXXX. I can not get correct correspondence from Ally and now they are reporting me to the credit agencies as late.
Product: Credit card

XXXX XXXXXXXX XXXX XXXX  {$110.00} XXXX XXXX XXXX XXXX {$67.00} XXXX XXXX XXXX {$28.00} XXXX XXXX XXXX {$99.00} XXXX XXXX XXXX {$69.00} All these tractions are not authorized by myself, and they are fraudulent transactions
Product: Checking or savings account

In your response to my case below, you did not state that I called before the money was taken out of the account a least 10 days prior and you refused to stop the transaction. I am requested an investigation again and refund of my {$1500.00} and {$800.00}. 



I contacted Capital One last year about XXXX payments in the amount of {$1500.00} and {$800.00} that were made to XXXX XXXX XXXX of XXXX NY to complete a job and merchandise but never received it. Capital One refused to investigate the incident thoroughly and advised that I should contact XXXX XXXX  bank, XXXX in-order to get my funds returned. I did so but never received any response from XXXX. After a months and month of contacting Capital One for an update they were unable to provide an update. I would like my funds in the amount of {$1500.00} taken out of my account on XX/XX/2022 and {$800.00} taken out on XX/XX/2022 returned to my account after an investigation conducted with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT APPLICATIONS WERE SUBMITTED IN MY NAME OR MY IDENTITY HAD BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. 


XXXX XXXX XXXX XXXX XXXX


Also remove inquires

XXXX  inquires 

XXXX XXXX XXXX XXXX   

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Down loaded XXXX Credit Reports XXXX/XXXX/16. XXXX reported a new collection listed from a new CA, repeat of collection of " Original Creditor '' XXXX XXXX XXXX. As previous reports, un-registered ( licensed ) CA reporting {$730.00} alleged debt. As prior reports CA is XXXX I 've never had any contact with, no collection attempts, no phone calls, no demand letters, they just show up on CRA reports. In reading XXXX report it states " closed '', however when I contacted XXXX they stated that the report was still active. I 've uploaded a copy of letter to XXXX, copy of their report & XXXX ( XXXX ) report regarding XXXX. Same issue as XXXX reporting of alleged debt by XXXX. Same continuing story, it will pass from disreputable CA to the next. If the claim were legitimate Original Creditor should have no problem hiring a licensed CA to represent the company, yet???? I 'll keep disputing claim.