23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  has my address wrong on my account, and as a result I never received their mail. This has caused a hardship on my family due to late fees, and other fees associated with their error. We have tried to pay this card off in full but they refuse to take our money. Please see one of our bills XXXX XXXX XXXX XXXX  provided to us today it shows the wrong address on the bill. The address XXXX  has is " XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX '' This address doesn't exist. My two addresses are XXXX XXXX XXXX XXXX XXXX, CA XXXX or XXXX XXXX XXXX XXXX, CA XXXX. 

If XXXX employees are making errors as simple as our address, how can these other charges even be valid?
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5300.00}, {$0.00}, {$5800.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 


-- AUTO LOANS OR LEASES 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL LOAN 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX NY XXXX Inquiries in Dispute : XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I XXXX XXXX entered into a consumer credit transaction with B & B Automotive on XX/XX/XXXX, where I got a XXXX XXXX XXXX. The finance charge was {$3300.00}. A year later I then entered into another consumer credit transaction on XX/XX/XXXX, where i got a XXXX XXXX XXXX. The finance charge was {$4200.00}. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 U.S. Code 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges I was not expecting their statement ( bill ). On XX/XX/XXXX i received a bill which is a violation of 15 U.S. Code 1692b.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX and has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX and has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX  XXXX and 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.
Product: Credit card

I made a payment of {$950.00} in XXXX XXXX and realized that I did not have funds in my bank account. I called Bank of America to cancel the payment where I was informed they would give me a refund of {$950.00} on XXXX XXXX, XXXX. Bank of America incorrectly categorized this refund as a purchase made on the card and subsequently charged me interest for the next consecutive 3-4 months because of the way payments are applied. Spoke with three different managers and three different representatives each month and they all made notes in my account detailing that I should not be charged interest because it was a bank error. The last manager noted that the {$950.00} was going to be lumped into the balance transfer promotion and this problem would go away. After 3 months, the problem remains and I keep getting charged interest. I paid the promotional balance in full that ended on XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3200.0XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4200.00}
Product: Credit reporting or other personal consumer reports

Please remove and delete all inaccurate late payments off my credit file from XXXX, Equifax, and XXXX immediately. 

XXXX XXXX XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX ... this account is a charge off and was disputed as being reporting as unverified and inaccurate but on all occasions the company and the credit bureaus have not done anything except to respond saying the account is verified. how can a chargeoff be continuously reporting late payments when its a closed account meaning no new information should be reporting. plus they have a monthly payment and past due reporting on a so called chargeoff account. that is a violation
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX  ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. Not only have them ignored my prior requests for validation of debt ( see enclosed copies of receipts letters ) but they also continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow guidelines of The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.
Product: Debt collection

XXXX XXXX XXXX sent me a bill XX/XX/2018with payment due date XX/XX/18when I went to make my payment online it showed XXXX balance XX/XX/18 and I triend again XX/XX/18. I get a notice in the mailXX/XX/18 datedXX/XX/18 from Creditors collection services on behalf of XXXX XXXX XXXX. I am looking for record of first payment I already made, but I wasnt given the opportunity to even pay by the last statement due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

This the FOURTH collection agency that has tried to collect funds for XXXX account that has been closed for quite some time now. This contract was cancelled by XXXX. I made contact with the other collection agencies and they could not produce a SIGNED and WRITTEN contract between myself, XXXX XXXX, and them. 

I have made contact with this company verbally requesting that they provide a WRITTEN and SIGNED copy of the repayment contract between myself, XXXX XXXX and Source Receivables MNG. I was transferred several times before they disconnected the line.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have repeatedly disputed inquiries on credit report. Credit bureau has not investigated disputes and information remains on report. Investigation not done within the time frame required by law. 

XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2015, my aunt opened a XXXX XXXX account in my name, using my social security number and address. 
I have disputed it many times with creditor, XXXX XXXX, however my aunt is making payments so they will not dispute it. 
I have cleared it from my XXXX and XXXX. 
But Experian denied my dispute and only updated the new amount owed that my aunt, XXXX XXXX, has paid. 
This is identity theft and fraud! It continues to hurt my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

ADDENDUM TO CFPB COMPLAINT XXXX. THE HOME AT XXXX XXXX XXXX XXXX, XXXX GA XXXX COULD NOT BE SOLD TO US UNBEKNOWST TO US BECAUSE IT WAS SOLD TO XXXX XXXX XXXX USING OUR PERSONAL INFORMATION AND CREDIT. THE TITLE REPORT WAS FRAUDULENT COMPLETED BY XXXX XXXX WHO WAS CONNECTED TO THE LAWFIRM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, GA XXXX, United States XXXX XXXX XXXX XXXX SHE NOW RESIDES IN ANOTHER STATE. WOW! 


XXXX XXXX XXXX WAS ALSO A PARTNER AT THIS LAWFIRM. XXXX XXXX XXXX SERVED AS THE ATTORNEY FOR THE ASSIGNED TRUSTEE XXXX XXXX XXXX WHO WAS MY WIFE 'S XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX THERE WAS A CLOUD ON THE TITLE. XXXX XXXX OWNER WAS XXXX XXXX. DOCUMENTS PROVIOUSLY SUBMITTED.
Product: Vehicle loan or lease

On XX/XX/18 I did a favor for a friend who could no pay her monthly installment and paid a one time payment to XXXX who informed me that there would be a {$3.00} fee for payment over the phone. I agreed, but was never informed that there would be an Advance Transaction Fee of {$6.00}. When I contacted XXXX, their response was that they used XXXX XXXX to process all the credit card transactions and had no control as to how XXXX XXXX   processedt them.I believe this to be a deceptive practice as that all fees should be disclosed prior to the termination of the transaction.
Product: Credit reporting or other personal consumer reports

INCORRECT INFORMATION PERSONAL ON MY CREDIR REPORT
Product: Credit card

re : COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> Barclay did XXXX to resolve the issue ( Fact ) that they are lying. 
Barclay did NOTHING to resolve the BULLY tactics they are using. 
Barclay did NOTHING to resolve the issue ( Fact ) that the XXXX company had an issue of Possible Fraud with ( Barclay ) NOT with me. 
Yet again, another lie. 
Barclay did NOTHING to offer in compensation for the trouble THEY caused. 
How can this complaint be closed when NOTHING has been done?
Product: Credit card or prepaid card

Comenity Capital Bank really needs to be investigated & held accountable for the outright misappropriation of credit card customers and their finances. This 'bank ' schemes to deceives honest, hardworking individuals. 

Most recently, the fact that this institution only recently began accepting automatic payments for some of its store credit cards is proof that they designed a system to fail the consumer. Attempted numerous times to establish auto payments with Victoria Secret & XXXX XXXX XXXX cards only to find out the Comenity Capital Bank system never properly established these payments, even though I received confirmation that these automatic payments were successfully established. This results in numerous late charges and fees assessed to the store credit card accounts, no available credit and a significant credit score drop due to these errors. 

The FTC should hold these institutions accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

Subject : Identity Theft Complaint and Request for Inquiry Removal Dear TransUnion Fraud Department and XXXX XXXX, I am writing to formally report that my personal information has been stolen and used to fraudulently apply for credit cards. I have discovered unauthorized inquiries on my TransUnion credit report from XXXX XXXX and XXXX XXXX The details of these inquiries are as follows : - XXXX XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These inquiries are a direct result of identity theft, and I request that they be promptly removed from my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to delete any information resulting from identity theft. 

I have taken steps to report this identity theft to the relevant authorities and have placed a fraud alert on my credit files. I kindly ask that you investigate this matter and ensure that these fraudulent inquiries are removed from my credit report without delay. 

Please confirm the receipt of this letter and keep me updated on the status of my request. Thank you for your prompt attention to this serious issue.
Product: Credit card or prepaid card

I was investigating refinancing my mortgage with XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ; XXXX, OH XXXX ( XXXX ). I first started pursuing the refinancing process on XX/XX/2020. At that time, Mr. XXXX told me that there would be no closing costs and I would not be charged for an appraisal. As we continued our negotiations, it became clear that Mr. XXXX 's initial verbal offerings were not being followed through. Not only did he charge a {$450.00} appraisal to my HSBC credit card, without my permission, he charged me again for the appraisal on a refinancing document that he submitted to me. I turned down the refinancing for many reasons but mainly because I no longer trusted Mr. XXXX and I thought he was trying to take my money. 

I then submitted a claim with HSBC for an unauthorized charge for the {$450.00} appraisal on XX/XX/2020 ( case # XXXX XXXX. Not only did HSBC never attempt to reach out to me for a more in-depth explanation for my dispute, they had the audacity to send me a letter on XX/XX/2020 claiming that this charge was consistent with my spending pattern. It is not! 

I have cancelled this card and informed HSBC that I would be filing a formal complaint against them. 

Thank you for your consideration of this matter.
Product: Credit card

I was a faithful customer to Kohls for many years. Several months ago I obtained a credit report and was dismayed at what I discovered. Kohls had me listed as delinquent credit card holder and my account had been closed. I never received any notification from Kohls regarding any problems with my account. I called and was asked to send documentation from my bank indicating I had made all required payments which I did do. In XXXX 2015, I received a letter from Kohls indicating my documentation had been received and my account corrected. The letter indicated it may up to 60 days to correct my credit report. I ran another credit report on XXXX/XXXX/15 and the information is still not corrected. I have not received a refund for overpaying the same bill XXXX times. The refund should be for {$25.00} ; I realize at this point that is not a lot of many, but now it is about the principle.
Product: Vehicle loan or lease

I have been a member of navy federal for a while and have repeatedly been denied for an auto loan preapproval. I have appealed the decision and never get any explination. Im aware of other people who have been pre-approved with much worse credit and lower income so I feel as though I am being discriminated against chich is a violation of the Equal Credit Opportunity Act ( ECOA ) 12 CFR Part 1002. Navy federal claims they could not verify my employment yet they never attempted to
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2400.00}, {$1100.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$2400.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$1100.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I noticed multiple unauthorized inquiries on my credit report I did not authorize due to the fact my wallet was stolen and ID along with my SSN card was stolen. I called XXXXXXXX credit reporting agencies today about XXXX as instructed to by my local police department crime report # XXXX and requested that the identity theft unauthorized inquiries be removed immediately and XXXX only removed 2 of them so now I have to dispute unauthorized inquiries with the actual companies are such as follows : XXXX. XXXX XXXX, XXXX. Capital one auto finance XXXX XXXXXXXX XXXX XXXX XXXX  Remove all unauthorized inquiries thank you for your understanding. 

Attached is a copy of my policy report for the identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Indigo MasterCard debt with original creditor XXXX XXXX  but issued through Genesis FS Card Services ( really unsure of the original creditor ) was paid to XXXX XXXX XXXX XXXX, XXXX on XX/XX/2022. This account is still showing on my credit report as a credit account charge-off and creditor should have removed this account.
Product: Debt collection

Today XXXX I received an email from one of credit card companies stating that I received a negative credit score. Upon investigation I found that XXXX sent my info to collections with credence resource management for {$880.00}. I never had XXXX and this is a result of identity theft. I tried calling Credence and they said the last digit of my SS number was wrong and they arent able to provide me with any information. This is the third time credence has gone above and beyond to affect my credit report. In XXXX, I believe the XXXX, I had to file identity theft when credence dealing with att filed a debt collection on me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is currently listed on my credit report. There is incorrect information that I would like to have removed as it does not reflect my true credit history. A dispute letter has been sent via certified mail requesting the information be deleted as it is reporting inaccurate dates the accounts was opened and some of the accounts have been paid and is reporting that they have not, receipts have been attached. 

Under 15 U.S. Code 1681e ( b ) is a provision of the Fair Credit Reporting Act ( FCRA ) that outlines the responsibilities of consumer reporting agencies ( CRAs ) to ensure the accuracy of the information they provide in consumer reports. 

Also, under 15 U.S. Code 1681i ( a ) ( 5 ) is another provision of the Fair Credit Reporting Act ( FCRA ) that deals with the procedures for the reinvestigation of disputed information by consumer reporting agencies. 

Please delete inaccurate information from these accounts listed below : XXXX. XXXX XXXX and/or XXXX XXXX XXXX Accounts have been paid in full XXXX. XXXX ( XXXX XXXX ) on XXXX report XXXX. XXXX XXXX XXXX on Equifax report
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX  PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Money transfer, virtual currency, or money service

Im trying to let you have access to transfer the money I need for my bills to my Pnc account I give consent
Product: Credit reporting, credit repair services, or other personal consumer reports

You all reported a late payment to the credit bureaus that is not true. I emailed you all numerous of times about changing my bank account due to fraud. This is not fault. I am asking that you make your app more user friendly so I can change my own information. Please delete the late payment status I am on a home buying goal and this really puts me behind. I am doing a complaint on cfpb because this is ridiculous.