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

I have been trying to get proof from not only the companies, but the credit bureau as well to provide me with documentation that I owe the debts that are being reported on my credit report. I have been mailing letters since XXXX-18, every 30 days to both the creditor who claims that I owe such a debt, and also the credit bureau. I either receive a letter from the credit bureau stating that they verified that the debt belongs to me, or that they are done investigating the debt, and that there will be no re-investigation done on my behalf. I have exhausted all efforts with the creditor and credit bureau and I need results, they have not proved to me that any of these debts are mine, and therefore they need to be deleted from my credit report per the Fair Debt Collection Practices Act.
Product: Debt collection

On XX/XX/2022 I disputed the account with American First Finance. As I looked over the documents I noticed that I was never provided the legal disclosures such as the Truth in Lending disclosures and others. By law, American First Finance is required to provide that to me. I am now requesting this account be deleted from my credit reports due to the many violations of the FCRA, Truth In Lending Act and more.
Product: Debt collection

Navy Federal Banking. They are looking for people who are not at my phone number. XX/XX/18 spoke with manager after months of daily phone calls with messages left on my answering machine and was assured they would stop, They continue to call at all hours and on weekends. XX/XX/18 another call looking for the same people. Spoke again with a manager who gave me the address for Navy Federal legal department who I will be writing to let them know I will be seeking legal action if the calls do not stop.
Product: Credit card

I have the XXXX XXXX XXXX Credit card. I'm suppose to get reward points for payments and purchases. I haven't received reward points on the last 3 statements. I think it's because I stopped making purchases on the card in XX/XX/year> because I'm working to pay the card off. I should still be getting reward points for the payments I have made. I have called about this issue 3 times. I was told on two different occasions that there was a glitch and the last time I called in the agent hung up on me because I couldn't get my card number fast enough. He could have found my account by using my phone number or getting the last 4 of my SSN. It's not a lot of money but it's reward points I have earned.

Last 4 of card XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

incorrect information disputed with all major bureaus and creditors no dispute investigation was opened and no results
Product: Debt collection

I am writing to formally address the unauthorized sale or transfer of my account associated with Capital one, registered under This action was carried out without my knowledge or consent, constituting a violation of my rights under the Uniform Commercial Code ( UCC ) and applicable state and federal laws.

Relevant UCC Violations 1.UCC 1-304 Obligation of Good Faith : The unauthorized sale of my account breaches the implied obligation of good faith in commercial transactions. As a service provider, you are required to conduct operations fairly and honestly, which includes protecting customer accounts from unauthorized access and misuse. 
XXXXUCC 2-312 Warranty of Title and Against Infringement : By facilitating or allowing the unauthorized transfer of my account, you have failed to ensure that I maintain rightful ownership. This constitutes a breach of the warranty of title under UCC provisions. 
XXXX.UCC 2-615 Excuse by Failure of Presupposed Conditions : Your failure to secure my account and prevent unauthorized transactions undermines the presupposed conditions of account security and lawful service operation. 

Demands Delete from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX am a natural person, consumer in commerce and I am writing this complaint to address several issues that I've encountered with XXXX XXXX XXXX XXXX. I have been misled by XXXX XXXX XXXX XXXX AND Agents thereof to think that I have received benefit for the XXXX XXXX XXXX XXXX ending in XXXX and the XXXX XXXX ending in XXXX. XXXX XXXX XXXX XXXX has failed to disclose the following : I have the right to opt out of disclosure of my nonpublic personal information being disclosed to non affiliated third parties, I extended value to the instrument with no consideration, XXXX XXXX XXXX XXXX received consideration and unjust enrichment from my open end consumer credit plan as defined in 15 US Code 1602 ( j ). XXXX XXXX XXXX XXXX has shared adverse information on my consumer report that has harmed my financial reputation, disclosed false and misleading information concerning the private consumer credit transactions, XXXX XXXX XXXX XXXX has continued to take adverse action against me even after I've sent notices to remove all adverse items from my consumer reports. Had I received full disclosure, I would have not entered into any agreement with XXXX XXXX XXXX XXXX. I did NOT knowingly and willingly agree to an unconscionable agreement. XXXX XXXX XXXX XXXX has conspired and restrained trade and commerce which is ILLEGAL. XXXX XXXX XXXX XXXX has closed and charged off both of my credit cards which is discrimination and an adverse action. XXXX XXXX XXXX XXXX has sent deceptive billing statements requesting payments knowing that one can not pay on a credit balance. XXXX XXXX XXXX XXXX has used unfair and deceptive trade practices and I am demanding removal of all adverse items on my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, unauthorized inquiries are being reported to my personal credit file. The XXXX, and TransUnion Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : Amerihome Mortgage - FHA Loan number XXXX XXXX XXXX social security number XXXX I am having a huge issue with AMERIHOME LLC mortgage company, they have been reporting to the Credit Bureau for almost two years even know I am in forberance due to COVID 19. I am trying to get back to make payments but I can not refinance, nor modify loans, my credit score is XXXX. 
I have tried to fix this directly with them throughout this time/numerous times with no luck. Everytime I call they add this information to their system, they have notes on my account but for some reason every month I been reported to the credit bureau. 

If someone can please have a serious talk to this company please. I need help I have XXXX kids can not take out loans for the forberance balance. I can not loose my house due to this issue. 

Regards, XXXX XXXX ( XXXX ) XXXX
Product: Checking or savings account

This is my 3rd complaint against Chase Bank, first for taking months trying to close my savings/checking accounts unsuccessfully ( XXXX ), second for a letter notifying me to charge $ XXXX monthly fee for my savings account that I 've been trying to close since XXXX ( XXXX ). Now, I received yet another letter this time to notify me that they are going to change me $ XXXX monthly fee for my checking account, which I 've also been trying to close since XXXX. Apparently, they have reactivated my accounts, which I did n't ask, instead of closing them. I had even took a trip to the US embassy in XXXX to have my document ( a request to close both my accounts ) notarized and paid {$50.00} for it. And it was for NOTHING,  apparently. Their instructions are useless and inconsistent ; one customer rep said one thing, the next one said another ; it 's never consistent and no one is taking a responsibility for it.
Product: Debt collection

I forgot to pay off a credit card. I travel a lot for work. I was in XXXX working for the XXXX and when I got home this company XXXX took my to court and levied a judgement against me. All of a sudded my paychecks were being garnished and I could not pay my bills. 

I hired an lawfirm to handle the case but it seems they are really not interested in it and just wasting my time. I tried to offer them a settlement and they wanted not only what was owed but a one time payment of {$3200.00}. Doing research I found this is a violation OF the FTC. according to the guidelines it says that I should be entitled to Damages. 

I would love to speak with someone about this. 

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

A formal request for validation/documentation, was sent certified mail on XX/XX/2019. Received confirmation letter was received by Experian to process my request of inquiries. Since my initial request on XX/XX/2019 Experian has failed to initiate a response or furnish documents from each creditor. These inquires have not been validated and are inaccurately reporting on my credit report. 

Called into Experian to get this resolved, Experian refused to remove inquires or provide me reasons after I expressed it was a violation of my consumer rights with the FTC, FCRA. 

FCRA Section 609 states I have the legal right to request copies of the original application I " allegedly '' signed to validate such information.
Product: Bank account or service

CHASE BANK IS REFUSING TO ASSIST ME IN RESOLVING AN ISSUE WITH TEXT ALERTS. 
TEXT ALERTS ARE VERY IMPORTANT TO ME AS THEY KEEP ME UP TO DATE AND INFORMED ABOUT MY ACCOUNT. FURTHER, I WANT TEXT ALERTS SO THAT IF EVER THERE IS AN ISSUE WITH SUSPECTED FRAUD, AND IT IS NOT FRAUD, I WANT TO BE ABLE TO RESOLVE THAT QUICKLY, WITHOUT CALLING, SO I MAY CONTINUE TO USE MY CARD.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXXXXXX 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, also states a consumer reporting agency can not furnish an account without my written instructions.

Please request the creditor to show proof of the original contract with the address that was used. Otherwise please delete this erroneous account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

My Capital One XXXX card stopped allowing me to transfer points to other vendors. It seemed at first it was just a XXXX  with my account, but after a month of it not being resolved, I went online to search and to my surprise this block has affected accounts since 2022. This comes up every few months and is an ongoing issue to keep customers from transferring points out and costing the company money. I've been a customer for a long long time and have about a XXXX points that I can not access. I think there could be something here for a court case because of how many have been effected and for how long the problem has existed. There agreement may call for mediation, but that is still better than nothing. I missed out on buying flights last month and now again and they have no answers and no timeline. Because it has been going on for so long, I believe this is on purpose and not a " known issue ''.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted from the company XXXX XXXX for myself XXXX XXXX last four Social Security number is XXXX, DOB : XX/XX/1995. Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SENTRY CREDIT, XXXX
Product: Credit card or prepaid card

I paid XXXX on my credit card on XXXX XXXX. The amount paid has still not been applied to my account. It has been 8 days. Additionally this company will not correct a problem with accepting payments on their end for renters and auto insurance, an account I have with them as well. I am on auto payment, but I have to dial in monthly to pay on my account. Their system will not accept payment.
Product: Debt collection

I noticed my report had improper information reporting from midland credit, I filed suit for the reporting on my report this debt was not mine and per lawful settlement agreement. Agreed to deletion this was months ago and it is still reporting. Please see attached agreement. These accounts must be deleted off my report immediately.
Product: Checking or savings account

On XX/XX/2024 I received a letter in the mail notifying me that a new brokerage account had been opened with Charles Schwab in my name ( Schwab XXXX XXXXXXXX XXXX XXXX XXXX. I did not open this account and am already a victim of identity theft. I called to report and close the account, and was informed that the account had not been fully opened, and was restricted due to the presence of credit freezes on XXXX.
Product: Debt collection

No actions was taken still showing up on my credit report the date the name of the company is debt solutions I have kno knowledge of these 2 accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Knight Adjustment bureaus is double reporting 2 debts on my credit file with XXXX XXXX XXXX XXXX. I recently checked my credit and noticed that Knight Adjustment and XXXX XXXX were reporting on the same debt. I paid this debt off a long time ago so it shouldn't be reporting on my credit file at all. However, XXXX XXXX never closed the account and updated it to a XXXX balance with a " charge off '' status and Knight Adjustment is reporting this as a paid collection. This is a violation under the FCRA and the FDCPA and needs to be fixed ASAP!!!
Product: Checking or savings account

I recently made a check deposit of {$5000.00} on Thursday to my Community Bank N.A. savings account. I understand checks that large take time to clear and the funds may be held. Though there is absolutely no reason for my entire savings account to be restricted when I already had cleared funds in it. I have very little money in my checkings account, and went to transfer some of the money I already had from my savings to my checkings. It will not allow me to do so as it has my ENTIRE savings account restricted, and its now saying on the app that I dont even have a savings account right now. I have things to pay off, it is absolutely unacceptable to have funds I already had locked up.
Product: Debt collection

From what I understand this is a XXXX  bill account # XXXX but I am not sure. I have asked ARS account resolution to do more than verify the debt but to validate it. They have done neither. The account continues to come back verified Its coming back verified from an old address I am assuming. I am not sure. Either way they have to validate the debt once I have asked. Which they have not. This account is being reported to XXXX XXXX AND XXXX and they are all being reported differently. Proof attached. ACCOUNT TYPE ONE SHOWS OPEN AND 2 OTHERS SHOW COLLECTIONS which is a violation.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. WHICH THE PROOF WILL SHOW THE INNACURACY. Also I have the right to privacy according to 15 U.S.C 1681 section 602 A. which states I have the right to privacy. I also know for a fact that I did not give written instructions or signed any paperwork saying that I agreed for my information to be shared with a third party. 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 They have violated my rights by continually being the only collection account on my XXXX  report which is causing damage to my character. I have tried to resolve this problem through the company, but they have chosen to ignore me.
Product: Money transfer, virtual currency, or money service

I bought XXXX iPhones at the XXXX, MN XXXX XXXX and was charged for XXXX iPhones. 
After complaining to the CFPB, the XXXX XXXX XXXX the money to my checking account ; but the balance in the Apple Card remains with interests. 
There was another illegal charge in which I dont know. After complaining to the CFPB it was refunded to my checking account ; but the balance remains with interest. 
Both illegal charges added up to over XXXX XXXX dollars. 
I will attached the screenshots for your information.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following accounts and inquiries from my credit report. As a victim of a data breach, my personal information was compromised, resulting in unauthorized accounts and inquiries that are listed below. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit file. 
Fraudulent Accounts : 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 XXXX XXXX XXXX XXXX XXXX} Unauthorized Inquiries : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to convey my deep annoyance and dissatisfaction with how your bureau has managed my identity theft disputes. Despite my repeated attempts to resolve this issue, I have encountered a frustrating lack of responsiveness and action from your side. As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions appearing on my credit report. I reported these fraudulent activities to your bureau and submitted all the necessary documents and detailed explanations, to substantiate my claims and establish my innocence. However, it has been an exceptionally long period since I initially raised these disputes, and I have yet to receive a satisfactory response or resolution. This delay has not only caused me considerable stress but has also resulted in tangible negative consequences for my financial well-being. I have encountered denied credit applications, higher interest rates, and relentless harassment from debt collectors, all stemming from inaccuracies on my credit report. What adds to my frustration and disappointment is the bureau 's apparent failure to recognize the seriousness of my situation. Despite providing substantial evidence of identity theft, it seems that my case has been either overlooked or deemed unimportant. This has left me feeling disregarded and powerless in a matter that has profoundly impacted my life. Please remove this bankruptcy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I never heard of a company called lj Ross and I do n't owe them any money the debt is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 there was an inquiry reported from XXXX XXXX XXXX that I did not authorize. 

On XXXX there was an inquiry reported from CAP ONE NA  that wasnt authorized by me. 

On XXXX there was an inquiry report from XXXX XXXX XXXX  that wasnt authorized by me. 

On XXXX there was another inquiry report pulled from XXXX XXXX XXXX that XXXX authorized by me. 

On XXXX another inquiry report was pulled by XXXX XXXX XXXX that wasnt authorized by me. 

On XXXX an inquiry was reported from CAP ONE NA that was not authorized by me. 

On XXXX there was an inquiry reported from CAP ONE NA that wasnt authorized by me. 

On XXXX there was an inquiry reported from CAPITAL ONE AUTO FIN that was not authorized by me. 

Ive contacted each of these financial institutions explaining that it was not me and the reports are still on my report.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on previous disputes regarding inaccuracies on my credit report. The discrepancies between the accounts reported by your bureau and the other credit reporting agencies further substantiate my claim that these accounts are inaccurate, invalid, and unverifiable. Additionally, I never signed any agreement with the listed collection agencies, making their reporting unauthorized and harmful to my creditworthiness. You are obligated under the Fair Credit Reporting Act ( FCRA ) to report accurate and verifiable information only.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN SAID ACCOUNT # XXXX XX/XX/XXXX OR CHILD SUPPORT WAS REPORTING ON MY CREDIT PROFILE AND IT IS INACCURATE AND SHOULD BE REMOVED AS PROMISED BY THE XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX AND IT SHOULD BE REMOVED ACCORDING TO FCRA SECTIONS 609,611, 1681 B