23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XXXX an approved XXXX was charged by me as I authorized that charge with the business to my XXXX XXXX/CHASE BANK . 
This was the maximum allowed on this credit card. 

XX/XX/13 the same business attempted 2 charges - XXXX and XXXX Those transactions were 'pending ' and I called both the bank and the charge card company. 
At that time I tried to file a dispute but they would not accept due to 'pending ' status, I was told that they had to wait until the status was changed but 'they would be there for me ' Of course the transactions went through and then I could file the dispute. 
I locked the card via the bank website. 
Now my card is locked and shows a XXXX balance ( well over the agreed upon maximum ) Simultaneously : The same business had been 'fishing on another XXXX XXXXXXXX for multiple amounts. 
XX/XX/13 XXXX, XXXX and XXXX - all were declined 'transaction reviewed ' was the status. 
XXXX assisted me in locking that card and we changed my password. 

I informed the Chase XXXX this was going on ( they say they are taping all calls. ) All of this mess has resulted in me exceeding my credit limit and not being able to set up a payment plan on the initial XXXX. 

XXXX put the transactions in a review status because they exceeded the maximum balance. And it appears they were on top of the fact that multiple transactions were being denies. 

I will be canceling the CHASE/XXXX  card but I'm sick of these companies not protecting me immediately upon notification but waiting for the 'system to process '.

Rather than opening the 'dispute ' when the customer calls- they appear to favor the scammers rather than the credit customer. 

I try not to use online sales or credit cards, because I have a person using my SSOC and attempting fraud on a monthly basis. 

The banking/credit card industry is not set up to protect the consumer and is complicit in mangling peoples finances. And of course the credit bureaus ( which add nothing of value to any business transactions ) are complicit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I sent several letters to my then mortgage company asking for them to validate the said loan. They never sent me any validation and by XX/XX/XXXX, they transferred said loan to another mortgage company instead of dealing with me. So, I began sending validation letters to the new mortgage company and found out there was XXXX mortgage companies associated with this said loan and they too, would not validate this loan. They sent VA to my home to serve me with a summons. By this time, I had done a quitclaim to transfer my home to a 508 ( c ) ( 1 ) ( a ) irrevocable trust and had it notarized and recorded with my county. Summons was answered and court followed. Judge and plaintiff would not listen or read my trust paperwork, my quitclaim or any of my paperwork as if nothing I said mattered. So, I lost in court, than Covid 19 began. I have since, sent out criminal complaints to FBI, NSA and Homeland Security. I am waiting now for responses from one or all. 

Thank you
Product: Credit reporting or other personal consumer reports

A request was submitted multiple times, most recently in XX/XX/2023 to have this inaccurate reporting removed from my credit report. The furnishers of information responded claiming this account was accurate with no proof of debt validation or details involved in the investigation. I am not liable for this debt with XXXX XXXXXXXX XXXX  for {$370.00}. I do not have a contract with Portfolio Recovery, and they did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

Comenity bank calls me no less than 10 times daily, including between XXXX XXXX and XXXX XXXX when I have told them not to call. I work from home at these hours. It is the same woman and I've told her repeatedly not to call me. I block the numbers that call me and she just gets a new number or misrepresents her identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need all other addresses removed of my file. Witch they are not deliverable mail addresses. According to the law they must be removed. The only address that should be reporting is the one on my driver 's license that's attached.
Product: Credit card or prepaid card

A {$95.00} annual fee was paid for XXXX card ending in XXXX. This card was closed XX/XX/XXXX, I am owed a refund of the annual fee - no credit has posted to my account.
Product: Debt collection

XXXX XXXX XX/XX/year> ALDOUS AND ASSOCIATES XXXX XXXX XXXX XXXX, UT XXXX Subject : Request for Debt Validation Dear ALDOUS AND ASSOCIATES, I am writing to request validation of a debt that appears on my credit report. This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). These laws entitle me to request and receive specific documentation to verify the accuracy and legitimacy of debts reported on my credit file. 
The details of the debt in question are as follows : Creditor Name : XXXX XXXX Amount : {$95.00} In accordance with Section 809 of the FDCPA ( 15 U.S.C. 1692g ), I am requesting the following documents and information to validate this debt : 1. Original Creditor Information : o A copy of the original credit agreement or contract with my signature, showing that I am legally obligated to pay this debt. 
o The name, address, and contact information of the original creditor. 
2. Detailed Account Statement : o A comprehensive statement showing the original amount of the debt, the current balance, and a detailed breakdown of any interest, fees, or charges that have been added. 
o A record of all payments made toward the debt, including the dates and amounts of each payment, and any adjustments or credits applied. 
3. Verification of Collection Agency : o Documentation proving that the debt collector currently reporting this account is authorized to collect on this debt. This should include a copy of any assignment or transfer of debt documents from the original creditor to the current collector.

4. Evidence of Account Status : o Proof that the debt is within the statute of limitations for collection, as specified under applicable state laws. This includes the date of the original default and any relevant dates affecting the statute of limitations.

5. Confirmation of Reporting Accuracy : o Verification that the information reported on my credit file is accurate and that the debt is being reported by the correct party. This includes confirmation that the account details and status are correctly represented.

6. Dispute Resolution : o Information on the procedure for resolving disputes related to this debt if it is found to be inaccurate or unverifiable.

Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), I am entitled to an accurate credit report, and I request that you conduct a thorough review of this account. If the debt can not be properly validated, please remove it from my credit report and notify me in writing of the outcome. 
Please confirm receipt of this letter and provide a written response within 15 days, as required by law. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint with the CFPB on XX/XX/19 regarding a dispute of erroneous information found on my credit report that I mailed to Equifax on XX/XX/19. I did not receive any response from Equifax regarding my dispute which was received by the company of XX/XX/19. I sent a follow up letter to Equifax on XX/XX/19 that it had been more than 30 days and I had not received any results from my dispute of the unverified accounts. Upon receiving the complaint from CFPB, Equifax stated on XX/XX/19 that they initiated an investigation into the items, and it would take 30 days to complete. As of today XX/XX/19 it has been over 30 days from my dispute with CFPB and I have not received any results from my original dispute directly with Equifax on XX/XX/19, nor have I received a response from Equifax per my complaint submitted on XX/XX/19. Despite my written requests and complaints filed with CFBPP, the unverified items listed below still remain on my credit report in violation of Federal Law. I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish which has been detrimental to my credit reports. I demand that all references accounts must be deleted and completely removed from my credit report. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX and Account # XXXX XXXX XXXX   Account # XXXX XXXX XXXX XXXX Account # XXXX Inquiry : XXXX XXXX  Date XX/XX/2019 - not authorized by myself.
Product: Credit reporting or other personal consumer reports

I have made multiple written requests to Experian, XXXX, and XXXX XXXX to correct and/or remove mistaken name, address, and other identification information. Each the foregoing, however, appear to either partially address requests or introduce alternate mistaken information in subsequent mailings/reports/communications. 

The concern is that intentionally mistaken/defective variations of my identity and/or address result from the mistaken information notwithstanding my repeated attempts to ensure that all information is correct. 

I have provided clear, legible, copies of my Social Security Card and XXXX drivers license confirming my full name, suffix, and physical address, yet I continue to receive correspondence/report related materials reflecting mistaken variations. 

I never authorize the omission of my suffix from my full name ( or the variation of the appearance of my suffix ), and I do not authorize the suggestion of alternate addresses/sub-addresses/intentionally defective addresses. 

In XXXX and again this year I received fraudulent XXXX forms pairing my name with a mistaken Social Security Number. The concern is that these forms are partly attributable to the defective identification information maintained by Experian, XXXX, and XXXX XXXX without my consent ( and in spite of my repeated written attempts to provide correct information ). 

I am attaching an example of XXXX of multiple written attempts to correct all identification information maintained by XXXX, Experian, and XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally, expressed my concern with the recent disputes regarding Zelle. Dispute, particularly shedding light of the recent lawsuit with CFPB. While using Zelle, many times, and this and reporting my discrepancies, I feel that my institution has failed to adequately handle the matter. I was informed reversing lost funds was impossible, and tracking was not feasible.
Product: Credit card

On XXXX I received a phone call from XXXX Bank ; to verify purchases made on my card. XXXX purchases for gas XXXX were made, with me living in XXXX. I informed the bank that the charges were not mine. At this time the agent I spoke with informed me that she would close out my account, initiate a fraud claim, and I would receive paper work in the mail. After allowing two weeks to go by, I still have not received any paperwork in the mail regarding affidavits she informed me I would be receiving. I followed up with online banking and their response was to call customer service. I called and was transferred all over the place, no one seemed able to help. I again tonight looked to see if any credits have been issued regarding the fraud charges, and nothing has been issued as far as any provisional credits as outlined per REG XXXX I am alarmed and baffled, especially where XXXX Bank took their time on another case with a dispute two months ago, and since timed elapsed on their end they ruled that the dispute was outside of guidelines. The fraud charges are the only charges making up my balance ; and yet, they ( XXXX Bank ) are requiring me to make a minimum payment. If a provisional credit was issued ; then there would be no balance due, actually a credit balance refund for XXXX credits that were issued for a return from another merchant. I submitted another request today via online, requesting credit again this evening. I also informed the company that if this matter goes un corrected I would be reaching out to XXXX XXXX directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, EQUIFAX ARE BREAKING THE LAW UNDER Under 15 U.S Code 1681b- Permissible purposes of consumer reports I never gave them any written consent to report anything on my consumer report, No consent is IDENTITY THEFT. 

I XXXX XXXX NEVER GAVE THESE AGENCIES ANY CONSENT OR AUTHORIZATION TO REPORT THIS INFORMATION!!!!!
Product: Vehicle loan or lease

On the morning of XX/XX/XXXX a repo company assigned by wells fargo auto illegally came into my yard, gate was locked and they broke in and illegally took my vehicle and failed to make contact with me. Repo breach of peace
Product: Credit card or prepaid card

I have always made timely payments on this account and am therefore requesting that this late payment be removed from my account. This is not acceptable as I have been working hard to ensure that my payments are made on time each month. Please see the attached documents for verification.
Product: Credit card

A balance transfer was initiated with Barclaycard on XXXX/XXXX/XXXX based on a promotion they sent sent for 3.99 % promtional interest until XXXX XXXX. On XXXX/XXXX/XXXX they opened a case to reverse {$950.00} that was mailed via check to XXXX. On XXXX/XXXX/XXXX XXXX cashed that check. 
Attached is the check Barclaycard sent and my transaction statement showing that it was deposited into my XXXX account. On XXXX/XXXX/XXXX Barcaycard sent me letter that they closed this open case. But they have not " recovered the {$950.00} '' from XXXX. As of today XXXX/XXXX/XXXX the XXXX is still in in XXXX account. I need closure to this balance transfer reversal fiasco and need to know the date they will recover the {$950.00} from XXXX since they reversed the balance transfer ( and not with my permission in writing I 'll add ) Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please consider this as my refilling complaint to the REVVI-XXXX XXXX  for allowing the fraudulent accounts and for not taking corrections on my credit report. I have my dispute letter dated XX/XX/year>, with the identity theft report number XXXX.They allowed the fraudulent accounts to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent accounts are still reflected on my credit report, possibly because my previous dispute letters were not taken seriously. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Wells Fargo Credit Card 2 historical late payments 30 days each payment In accordance with the law, my rights have been violated. Late payment reports to your consumer report is illegal.

In 15 U.S. Code 1681a : Definitions and Rules of Construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; Transactions are not included in the report and the request to is to remove late payments from XXXXXXXX XXXX, and XXXX.
Product: Student loan

A student loan was obtained through XXXX. Mine. This company Amercian Education Services / Naitonal Collegiate Trust was informed that this account has been a result of XXXX but they are still sending this account to a collection agency for collection. The collections agencies after been advised that the account is a result of XXXX they continue to forward it to other debt buyers.
Product: Credit card

Upon reviewing my credit report, I have discovered that the last activity date on the aforementioned account has been continuously manipulated, presumably by your company, in an attempt to prolong its appearance on my credit report. This practice is not only highly unethical but also constitutes a clear violation of regulatory standards governing credit reporting. 

According to the Fair Credit Reporting Act ( FCRA ) Section 605 ( c ), the maximum period for which negative information, such as a charged-off account, can remain on a consumer 's credit report is XXXX years from the date of the first delinquency leading to the charge-off. Any attempt to artificially extend this timeframe through falsification of last activity dates is a direct violation of the FCRA.
Product: Credit reporting or other personal consumer reports

This morning, I discovered inaccurate accounts on my credit report, and I'm unsure why. When I checked my credit report as usual, I found unexpected discrepancies. I attempted to refresh my browser to see if it was a glitch, but the inaccurate accounts remained. Due to this problem, I request a thorough review of the documents I have sent to resolve this issue permanently.
Product: Credit reporting or other personal consumer reports

Unknown Inquiries on credit report. I would like them removed. I did not authorize these companies to run my credit and it is fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting multiple late payments ( 30, 60, 90, and 120 days past due ) on my credit file for account [ Account XXXX : XXXX ]. The reported balance exceeds my credit limit, suggesting inaccuracies in late fees or interest calculations. Despite submitting a dispute on XX/XX/year> no validation has been provided.
Product: Credit reporting

In XX/XX/2016 I ordered a credit report from Experian.  Experian signed me up for their online credit service at $24.99 a month.  I have been billed recurringly since XX/XX/2016 and only recently noticed the recurring charges.  When I approached Experian about a refund (since I have not used the service and did not knowingly authorize the service), they stated that I had seven days to cancel the service (which I am certain I did), and they had no indication that I had done so.  I had a similar issue with XXXX and they refunded me the full amount.  I believe Experian's service is deceptive and that ordering an online credit report should not be tied their onlgoing monthly service, which i believe is extremely overpriced for what you receive.  They really are taking advantage of consumers needing a credit report.
Product: Debt collection

On XX/XX/XXXX, I went to XXXX XXXX XXXX and filled out a credit card application. I was given a credit card, however I never entered into a contract with XXXX XXXX XXXX XXXX because I only filled out a credit card application. There were never any terms of an agreement, payment schedule, or annual percentage rate disclosed to me as required under the Truth In Lending Act. There was never a contract signed by me agreeing to any terms. XXXX XXXX XXXX of Truemper, Titiner & Brouch , Ltd filed a complaint on XX/XX/XXXX alleging there was credit card agreement that said I agreed to paying interest in the amount of XXXX XXXX, paying late payments, court costs, and reasonable attorney fees, but there was no agreement given to me that was signed stating I agreed to the terms. On XX/XX/XXXX, XXXX XXXX XXXX of Truemper, Titiner & Brouch filed a citation to discover assets which was unfair and deceptive because there was never any evidence presented stating I agreed to the alleged terms stated in the complaint. XXXX XXXX XXXX of Truemper, Titiner & Brouch engaged in unfair and deceptive debt collection practices by filing a complaint and then issuing a citation to discover assets which has had me going to court for over a XXXX. XXXX XXXX also called me on at least XXXX occasions and used abusive language and hung up on me when he didn't like my answers.This is unfair because XXXX XXXX XXXX XXXX violated XXXX and engaged in deceptive practices by leading me to believe I was filling out a credit card card application, when in fact they were using that application to get credit on my behalf which is also identity theft because this was never disclosed to me.
Product: Student loan

I have attempted to verify this account and to prove that it indeed belongs to me, but I have received no mail correspondence or verbal confirmation. All is I am able to see is a negative entry on my credit file. I have tried calling, sending certified mail letters ( XXXX ), but this company will not respond. It have been several months since I started an investigation on this company. I tried several numbers to reach this company. I called XXXX spoke with XXXX. He transferred me to the collections department. Who then sent me to XXXX XXXX at XXXX and got transferred to the business banking department, who could not help me and got transferred to XXXX. I spoke with XXXX who transferred me to the Education Finance department at XXXX Who stated they he could not find any account of me. This company has been asked several times to validate this account. They are reporting that I missed a payment in XX/XX/XXXX, but this account has already been closed since 2012. This account has been closed for XXXX years and they are now reporting on my credit I have a recent late payment. Their are reporting inaccurate and derogatory information on my credit file. Please remove the unverifiable derogatory information from my credit file. It has been over XXXX days. This information must be removed or I will escalate to the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX Please be advised that this is my Second Written Request asking you to remove the unverified collection accounts listed below that remain on my credit report : XXXX {$590.00} XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX {$200.00} I received documentation that 2 of the accounts : XXXX XXXX XXXX, XXXX XXXX XXXX was closed but not removed as I requested if the accounts were not able to be proven that they belong to me they be removed. The accounts remain in my credit file as of now. Please remove all 3 accounts as they have been previously proven not to belong to me. Attached is the previous letter and documentation that backs up the claims. 


Thank You XXXX XXXX