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

XXXX XXXX XXXX Account # : XXXX Account Type : Installment ( Auto Loan ) Bureau Code : Joint {$17000.00} Date opened XX/XX/XXXX I contacted company and told them this is inaccurate this shouldn't be on my report for I do not recognize this account and it is not mine. I have requested proof of paperwork and received nothing. Remove account please. 

XXXX XXXX XXXXXXXX Account # : XXXX Account Type : Revolving Bureau Code : Terminated Date Opened XX/XX/XXXX {$25000.00} I don't know where this came from never had a XXXX XXXX XXXXXXXX account and asked for validation and they said it was no record of me having a account and I sent to Transunion and they completely ignored my request to remove the account. 

XXXX  Account # : XXXX Account Type : Revolving Bureau Code : Terminated Date Opened XX/XX/XXXX {$8500.00} Not my account I don't recognize this account and asked for validation and they said it was no record of me having a account and I sent to Transunion and they completely ignored my request to remove the account. 

XXXX XXXX  Account # : XXXX Account Type : Installment Bureau Code : Individual Date Opened : XX/XX/XXXX Not my account and requested proof three times and no answer. 

XXXX XXXX Account # : XXXX Account Type : Installment Bureau Code : Individual Date Opened : XX/XX/XXXX Not my account and requested proof three times and no answer. 

XXXX Account # : XXXX Account type : Revolving Bureau Code : Terminated Date Opened : XX/XX/XXXX Not my account and requested proof three times and no answer. 

XXXX XXXX XXXX Account # : XXXX Account Type : Collection Bureau Code : Individual Date Opened : XX/XX/XXXX Not my account and requested proof three times and no answer. 

XXXX XXXX Account # : XXXX Account Type : Collection Bureau Code : Individual Date Opened : XX/XX/XXXX {$160000.00} Not my account and requested proof three times and no answer. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIA DEALER NONE OF THESE HARD INQUIRES ARE MINE
Product: Credit card

This problem relates to the last problem that I filed regarding my Macy 's credit card account ending in XXXX ( my old card ) and XXXX ( my new upgraded XXXX XXXX XXXX  ). Since CFPB last intervened, the account was corrected. Macy 's advised me there was a new balance due of {$76.00}. I paid this amount in full immediately. The account then reflected a credit balance of {$10.00}. I called Macy 's and spoke to someone in credit to request a refund check for the {$10.00} credit amount. Macy 's agreed to send this to me. I checked my balance again a day or two later and there is a new balance in the amount of {$140.00}. I sent two messages through the Macy 's credit card website but did not receive a satisfactory answer as to what this balance was for. I have not used my card at all for any purchases for several months. I called Macy 's on Monday, XX/XX/28 and spoke to XXXX in credit who did some checking and said that this amount is not due from me and will be removed from my account in 1 to 2 billing cycles. I asked Macy 's to send me a letter or statement showing my new zero balance. I am not satisfied that this correction by Macy 's will take one to two billing cycles. Can you please help me to get this erroneous billing amount off of my account? I also do not want to be responsible for any more fees or finance charges on this account. I am not using this account any longer and I plan to never use it again!! Thank you! XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX I fell victim of a scam that my banking institution is very aware of as I was told they get numerous calls a day about this scam that's going on. The scam is that there are people posing as loan companies or loan officers that convincingly get you to give your login information. Once they have it they start disputing transactions without you having knowledge off it and getting the credits somehow. Even though it's the customers account the customer isn't receiving these credits the scammers are. The customers are unaware that there are transactions being disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize these inquiries, I sent in letters and they told me they will be taken care of when I send in this form. I was told the inquiries would be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. After reviewing my report on XX/XX/2023, I have found multiple inaccuracies and violations. The Credit bureaus stated my account for XXXX XXXX Acct # XXXX was properly investigated but how it that possible if there are multiple inaccuracies on my report? I have listed them : 1. Last verified- inaccurate 2. Date of Last Activity- inaccurate 3.Date opened- inaccurate 4. Account Balance inaccurate 5. creditor remarks Two-year payment history shows XXXX, XXXX XXXX and Experian shows no history. How is this possible if the account is charged off? This is grounds for removal! My rights have also been violated under 15 U.S.C. 1681 Section 602 A which state that have the right to privacy. 15 U.S.C. 1681Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without written instruction. I never gave written instruction! This XXXX account on my credit report has XXXX violations.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 
XXXX  - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Equifax Here I attach, along with the dispute, my fraud report that I just sent to XXXX for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

My vehicle was deemed a total loss after an accident. The insured parties insurance paid market value for my vehicle which included paying the remainder of my loan amount. I submited correspondence from the insurance and myself stating that the payoff included what would have been my last payment ( XXXX ) so there was no need for me to make an additional payment. I electronically signed my portion for the payoff on or about the XXXX of XXXX and the loan was paid off on XX/XX/XXXX. Wells Fargo Auto still considered me delinquent on my last payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FILED DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT.ITS HAS BEEN WELL OVER 30 DAYS AND HAVEN '' T RECEIVD ANY INVESTGATION RESULTS
Product: Mortgage

Trial Payment letter received XXXX XXXX, XXXX  for my mortgage assistance request. 
Trial Modification plan summary states 1st payment due date XXXX amount {$2200.00}. Trial modification Plan agreement states 1st modification payment due XXXX. Servicer was contacted XXXX to explain the modification plan different due dates. Customer service had no explanation.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX  My wallet was lost that included my drivers license, social security caard, and other forms of identificaiton outside of my house and since then there have been several fraudulent account opened in my name student loans, utilitiy bills, car loans, credit cards, home leases, student loans and I dont know what elese. I have filed a police report as well. I would like for all these items to be deleted from my credit profile. 
ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, After recently pulling my credit I noticed : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Listed as an address on my credit report, this address is fraudulent and inaccurate I have never lived at this address. I am requesting this address be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation inaccurate information please remove asap
Product: Credit reporting or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$28000.00} XXXX, XXXX XXXX XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX Balance : {$630.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$220.00} XXXX, XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5900.00} XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX  XXXX XXXX Balance : {$630.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$5900.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Debt collection

I have a Debt belonging to : NATIONAL CREDIT SYSTEMS, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXXXXXX, Account # XXXX on all three credit bureaus : XXXX, XXXX XXXX XXXX Credit Bureaus with the opening date of XX/XX/year>. I have tried and tried to get this off my credit reports, but they still insists it's mine. I purchase a home in XXXX XXXX, why would I need to get an apartment in XXXX when i just bought a house? I can give you proof of purchase of our home with the signing date if needed. Please help me to rectify this and get if off my reports as soon as possible. I'm in need of another car and can't get a loan with this lingering in the background.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX ; XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX Balance : {$16000.00} ; XXXX  XXXX  XXXX Balance : {$100.00} ; XXXX XXXX XXXX Balance : {$330.00} ; XXXX XXXX XXXX Balance : {$21.00} ; XXXX XXXX XXXX Balance : {$790.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$73.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$120.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Charge off of XXXX card was XX/XX/2022 to Midland credit Management started sending me letters in XXXX. I sent letters back asking for Proof of debt from them in XX/XX/2022. They have not sent satisfactory information that I owe them a debt. They bought my debt but they want the full amount that the XXXX card sold with extra charges on it from the interest being so high that I refused to pay the debt to XXXX. That is why I could not pay the debt it was never going down but up with interest 29.99 % Now MCM wants me to pay the interest to them and I refuse to pay that amount. My payments of XXXX dollars a month to XXXX was not working and without a job it was impossible to pay. I could not even have money to eat. ( We have been going back and forth with letters ( every month ) demands the same amount they bought the debt at current pricing with taxes and cost in the same amount. I have all my letters sent and postage receipts to prove my case.
Product: Credit reporting or other personal consumer reports

I am writing to escalate my ongoing concerns regarding the discrepancies persisting within my credit report, as previously discussed via the Consumer Financial Protection Bureau ( CFPB ). It is with deep consternation that I continue to encounter unfamiliar entries on my report, signaling a fundamental issue that demands immediate rectification.
Product: Credit card or prepaid card

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered part of my transactions and experiences between your company and me. Kindly fix this accounts : CAPITAL ONE XXXX Balance : {$1000.00} Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.
Product: Credit card

On XX/XX/2023 my automatic withdrawal for the minimum payment of {$20.00} came out of my checking account to pay my Capital One credit card. On XX/XX/2023 another automatic payment of {$25.00} was cancelled by Capital One and I was charged a {$25.00} late fee that same day. On XX/XX/2023 I spoke to a representative to resolve the issue and was told he could not do anything about the late fee or reverse it due to the system. I requested to speak to a supervisor and spoke to the supervisor who proceeded to tell me that he could not wave the late fee because they received my payment on XX/XX/2023. Neither representative explained why I was charged a late fee. Upon further investigation it was found that Capital One 's automatic payment system is not correctly withdrawing the minimum payment. It took out {$20.00} instead of the increased amount of {$40.00}. My payment is automatically withdrawn from my checking account every month for the minimum payment on the XXXX.
Product: Checking or savings account

I am XXXX XXXX, the licensee speaking on behalf of XXXX XXXX who is a consumer in my XXXX and is XXXX XXXX. We have been attempting to go receive copies of XXXX 's Bank Statements and assist him with closing the account for the last few weeks. We have visited 2 Wells Fargo branches, however, they are insisting that we bring someone with the Power of Attorney for XXXX XXXX. However, as XXXX is NOT conserved, there is no one with the power of attorney and should be able to receive his documents upon requesting them at the branch. His SSI benefits were cut in XX/XX/XXXX, and we are attempting to assist him in getting them back. SSI is asking for the bank statements and requesting the account be closed before they can consider giving his benefits back. Any help on the issue would be greatly appreciated.
Product: Credit card or prepaid card

Fortiva Credit Card. 
XX/XX/21 logged onto account to make a payment. The payment screen does not fit on my phone using the mobile app or on my computer using XXXX XXXX or any other search engine. the screen does not scroll and I can not get to where I need to make my payment. Called the phone number listed and system will not recognize my social security number. Used the chat feature and I only got pre printed canned responses that the " person '' I was talking to, XXXX, was looking into the situation and I should call in. I explained that I tried and couldn't get through, got the same response. Now my payment will be late. Please look into this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX Navy Federal keeps reporting a negative account on my credit that does not belong to me Ive reach out to them numerous times and still no action has taken place to remove it or delete it
Product: Credit card

On XXXX I attempted to make a purchase for gas on my AMEX platinum card and they declined the purchase even though the minimum account payment was met on the account, and I had available credit to use to purchase. On the same day they denied my food purchase on my Amex Gold account, and I also had available credit as well. Minimum payment was due XXXX. Before the XXXX I had made some payments on the gold card but was unable to meet the full minimum payment by the due date. They had previously approved purchases after the XXXX. I notified them on XXXX to let them know I was going to submit full payment on XXXX  XXXX and they stated that is when they will lift the hold on both card accounts. Unfortunately, I was not able to make the full payment because I have been going through a Hardship at this time. I notified them again on XXXX to let them know my situation and I asked for financial relief options. The representative said that there are NO financial relief options available to me. They said the program options are provided by the system and that there were none available to me. I was in a financial relief program before and paid accounts in full months early and I am ready to enroll in their financial relief program, and I am willing to make a payment to start which is part of their enrollment process. I just need assistance to get this process started and maintain my relationship with the creditor, but to say I dont have an option is not the answer or an option for me because I know that options are available to me, they just seem like they are not trying to be proactive and help.
Product: Checking or savings account

On XX/XX/2017, someone open a checking account without my authorization. The account was an abuse account and which end up owing XXXX XXXX XXXX XXXX {$2900.00}. I have filed a complaint to Chex System, but they have not resolved my complaint so i wanted to file a complaint with the Consumer Finance Protection. The Chex Consumer ID : XXXX. I also filed a police report regarding this fraudulent bank account the incident number is:XXXX. Please check the IP address of the online application, phone number, or me personally coming to a bank branch, you will clearly see that it did not come from me or I have called them ; regarding opening this account. Now, because of this fraudulent activity is making it impossible for me open any type of bank accounts. I want this to be removed from Chex System immediately on false allegation.