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

i got a car from XXXX XXXX  and the whole time i paid my payment on time and then i have came very very sick i had got XXXX in my XXXX i was out off work and still out of work and was paying my payments what was left in my checking acount ... So one day i wake up to go to the docter my car was repoed i call XXXX about it they say i was 3 months behind i said how and they would not tell me nothing so a month later experian had it on my credit was so many late dates 120 30 60 day lates still t this day i dont know whats going on but i did research on credit company they have to follow the law XXXX  AND XXXX  has remove the item but experian will not i know its a law in the book says if one credit company remove a item the other 2 should do the same but i disputed this item was experian to many times and comes back verfiled and still dont tell me the FACTS so today i want the cfpb step in and help me to get this account remove or fix all late dates remove asap the account number is XXXX
Product: Credit card or prepaid card

Fortiva Credit Card is charging too much in fees. I pay my bill in a timely fashion ; however, the over limit fees and the short grace period to pay the bills is unreasonable. I advise them that due to the pandemic everyone is experiencing some difficulties, my health insurance has increase by {$230.00} and I told them I have no problem in paying the bill but to charge O/L fee due to the account being a few dollars over due to the high interest rate anyway - which is why you incur the fee. I need them to waive the O/L and late fee. 

I asked to have the O/L fee waive and not to charge such rate during these critical times. 
They want to pressure you into having automatic payment which I am not going to agree to - as if you have an emergency these companies will still snatch your money anyway. 

I advised them of the fee on, apx, XX/XX/2020 and I had other previous conversation with them about their fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Response on XX/XX/XXXX Report # XXXX to response by XXXX on XX/XX/XXXX I did not apply for no loan with XXXX XXXX  or sign anything with the XXXX dealership giving them permission to run credit by XXXX XXXX for a auto loan. I sign the original credit application with XXXX XXXX XXXX due I had already spoken to them about getting the loan for the new car. I also made it clear only run it with XXXX XXXX and the salesman came back to ask me to run it with XXXX for cheaper interest in which I did that's all that was sign by me. This application sent or done by XXXX XXXX XXXX XXXX made claim by XXXX XXXX on XX/XX/XXXX in which the application is not dated sent by XXXX in which is not my date of birth on that application or driver lic number or social security number is all wrong. I don't no why XXXX responded on XX/XX/XXXX with a XXXX  XXXX Retail Agreement in which is the agreement papers I sign with XXXX XXXX XXXX  not XXXX sent a copy of XXXX XXXX retail agreement in which has nothing to do with XXXX and the application with all the wrong information with no date. XXXX is doing nothing but the run around. with the application mailed to me with no date wrong drivers license number wrong date of birth. I did not sign this application made in fraud by XXXX XXXX   XXXX XXXX. I'm also turning the documents over to my attorney as he has look them over if this issue is not resolved. I'm also filing with the US Attorney office and the documents as proof fraud was committed by XXXX XXXX XXXX as well as XXXX XXXX  by there claim on XX/XX/XXXX in which my documents all show XXXX XXXX
Product: Debt collection

There are a total of two debts that were placed on my credit report XX/XX/XXXX and XX/XX/XXXX that i have no recall on. I have never taken these loans and i requested information on the debts. the first time i had ever seen or knew anything about these debts was when they appeared on my credit report dropping my score over XXXX points. The first company is Consumer Adj co XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, totaling XXXX and the second is National credit adj XXXX XXXX XXXX XXXX XXXX, KS XXXX totaling XXXX. The debts were placed on my credit without any notice or any validation! We are a veteran family, we have saved and sacrificed for 4 years and we are finally in the loan process of buying a home and this just pops up out of nowhere. Im sure you can imagine our pain. We haven't touched our credit. We sacrificed taking any loans out or running anything through our name in order to purchase a home for our family of 6. As soon as we ran our credit, the next couple days these two collection accounts just appear. I would like a thorough investigation on this as it detrimental to us and is harming our family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified procedural verification letter tracking # XXXX delivered and signed by XXXX XXXX XXXX XXXX   from USPS on XX/XX/19 and has been 30 days since they received the letter. I requested documentation of proof of the accounts referenced in the letter to be validated and that the collection agencies, XXXX, any third party or court provide me documents of the alleged collections or public record accounts. And, that E-oscar is unacceptable for verification. However, I have not received any response at all from XXXX   and I have not received any information from anyone to verify these accounts. I have exhausted my pro-bono abilities and obviously can not resolve these matters without legal representation. I have disputed and requested actual verification several times and I am demanding immediate removal of these disputed items. Or, I will be acquiring an attorney to represent me in these violations of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disturbed that the Credit Reporting Agencies, XXXX, TRANSUNION, and XXXX continue to list DISMISSED bankruptcies as VERIFIED within my credit file. The Fair Credit Reporting Act 15 U.S. Code 1681c - clearly states " from the date of entry of the order for relief or the date of adjudication ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, XXXX, XXXX, and XXXX have no right to maintain information which the government has deemed nonexistent. Please remove the below items : 1. Chapter XXXX Bankruptcy, DISMISSED, Date Filed/Reported : XX/XX/2016, Reference # XXXX XXXX. Chapter XXXX Bankruptcy, DISMISSED, Date Filed/Reported : XX/XX/2016, Reference # XXXX
Product: Checking or savings account

On XX/XX/year> I was out of the country visiting my family. I tried to log into chime to see my account information but I was locked out due to me being out of the country I have tried to scan my id and that didnt work then I tried to call customer service and I couldnt get through many times so I gave up calling. 

On XX/XX/XXXX I tried to use my card to purchase dinner for myself and my family but my card was declined and could not get through to chime at all! Nobody wouldnt help me with my account until I got back to the United States On XX/XX/XXXX I returned to the states and I was finally able to log in. 
When I logged I found over 20 fraudulent transactions that totaled {$2200.00} the merchant is called XXXX XXXX My account was drained and the fraudster took all ot my money out of my account I called chime and I told them the situation that this was ongoing and chime didnt stop any of these fraudulent transactions from happening!!! Not sure how my card info was stolen but it happened. So I disputed the transactions and I was promised a temporary credit of {$2200.00} Did not get it in 10 days and they denied my claim 10 days later. I called them back and I wanted to reopen the case and chime told me it would be a rebuttal and when that was reopened I attached documents to prove that I did not do these charges. 3 days later they denied my fraud claim again! And I called the 3rd time I wanted to fight it again since its fraud and I reopened the claim again as a rebuttal. 2 days later it was denied the 3rd time!!! Still no help from chime and it seems like they dont want to tell me why my claim was denied so the case is now reopened once again I will hear back in 10 days. I dont think chime is doing there investigation at all and they just deny claims for no reason. This money was taken from me and I was supposed to pay my rent now I am losing my apartment because chime decided not to refund me.also the merchant confirmed that i have not did any of these charges and they also said they did not receive any notifications from chime about a charge back.
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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : - XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Incorrect XXXX : - XXXX  Employer - XXXX XXXX XXXXXXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Listed below are the Public Records that are being challenged XXXX  - XXXX Listed below are XXXX Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXXXXXX XXXX XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Payday loan, title loan, or personal loan

Filing a complaint against XXXX XXXX Executive office, XXXX filed a false statement to the CFPB saying that she investigated my claim with a store employee at the store in XXXX XXXX I gave my statement is to what happened giving verbal by an employee, the employee say I came into the store and provided her with my proof that never happened in XX/XX/2019 by her statement says I came in not true I don't believe a investigation was done I think that the company just filed a false report to get rid of me XXXX asked for date and time that I talked with the employee I provided to her by phone then later to say that they don't record the call on a store level by ask about what was said if you can't re view the call another sign of disregarding my concerns and just saying the employee did nothing wrong well for one she  lied about me being in the store XXXX got upset when said the your investigation was false but customer care call are recorded my someone can listen to the conversation we had XXXX read back or conversation and only put mostly what she said and not my answer or concerns
Product: Checking or savings account

On XX/XX/2023, I received the following email from WSFS : " We recently sent you a new WSFS Bank Visa Debit Card, equipped with advanced contactless technology. Please note there was a delay in the mailing of your new WSFS Bank Visa Debit Card. If you have not yet received your new debit card, you can expect it to arrive today or tomorrow. We apologize for the inconvenience.

Its important to activate your new debit card as soon as you receive it, as your current debit card will expire today, XX/XX/2023. To activate your new debit card please follow the instructions on the sticker. '' I did not realize that the email arrived 1 day before the card was set to expire and not having received the card on XX/XX/2023 or XX/XX/2023, I tried to use the card at a vendor on XX/XX/2023. The card was declined and when I called to have the Bank honor the transaction, I was told that ( 1 ) replacement card was mailed on 1/5/203, ( 2 ) they can't honor the expired card and ( 3 ) that I should use my business card and then seek reimbursement. I explained that I did not receive any cards and that I did receive an email on XX/XX/2023 that the cards were delayed. I was told it should be there today ( it was not ) and advised to use a business card for my personal purchase. Neither the delay or the unprofessional advise is acceptable for a regulated entity. I had to incur a 3 % fee to use my credit card because WSFS did not send me a replacement card timely and refused to honor a point of sale transaction. I ask for reimbursement of {$8.00}.

Moreover, when I later stopped by a branch about this problem, I was told that many customers have come in with a similar issue i.e. that the debit card was not working.
Product: Credit reporting or other personal consumer reports

When reviewing my credit reports from the bureau 's. i discovered some instances of late payments for an account for which i have made timely payments very consistently. Credit reporting play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with the utmost accuracy. I have never missed a payment on the following the following account guild mortgage. I request a thorough investigation into discrepancies and urge to provide evidence, such as statements, demonstrating the lateness of these payments. If you are unable to furnish such proof, i demand that these payments be promptly be updated to reflect their true status as on-time and paid in full, as i have consistently upheld my payment obligations without delay. Thank you for your time attention in this matter.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communications regarding the correction of a late open account. This serves as the first follow-up attempt to address this matter. 

I understand that administrative errors can occur, but it is imperative that they are promptly acknowledged and corrected to prevent any further complications. The delayed resolution of this issue is not only inconveniencing but also reflects poorly on your organization 's commitment to customer service and accuracy. 

I would appreciate it if you could provide me with an update on the status of the correction and an estimated timeline for its completion. Additionally, if there are any further actions required on my part to expedite the process, please do not hesitate to inform me. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX XXXXXXXX Balance : {$9000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights have been violated according to ... 15 U.S.C. 1681 602 ( a ) states I have the right to Privacy ... ..15 U.S.C . 1681 604 Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions ... ..accounts XXXX XXXX  {$410.00}, XXXX XXXX XXXX {$780.00}, XXXX XXXX {$850.00}, XXXX XXXX XXXX {$1300.00}
Product: Debt collection

I am writing to delete the following information in my file. The items I need suppressed are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and transunion have accounts on my credit report that are not mine/inaccurate. 

accounts : XXXX Account : XXXX Investigate Ownership : I have no knowledge of this account THIS IS NOT MY ACCOUNT. PLEASE DELETE. 
Creditor : XXXX XXXX Account : XXXX I have no knowledge of this account THIS IS NOT MY ACCOUNT. PLEASE DELETE. 
Creditor : XXXX XXXX Account : XXXX I have no knowledge of this account THIS IS NOT MY ACCOUNT. PLEASE DELETE. 
Creditor : XXXX XXXX Account : XXXX I have no knowledge of this account THIS IS NOT MY ACCOUNT. PLEASE DELETE
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section.
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness.
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney Generals   office. The items that appear on my credit report as :  1. AC COUNT NAME :   XXXX   XXXX   XXXX   #  XXXX  ACC BAL : {$100.00} This account has never produced a Proof of Claim nor has it responded in the 30 days since notification, error please delete.    2. A CCOUNT NAME :   XXXX   XXXX   XXXX   #   XXXX  ,  XXXX ,  ACC BAL   XXXX , {$28.00} This account is a duplicate never showed proof of claim error please delete.    3.  ACCOUNT NAME :   XXXX   #  XXXX   ACC BAL  {$100.00} This account was  Discharged in b ankruptcy was never updated properly error please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX did a hard pull inquiry on my equifax credit report in which I didn't authorize. I didn't have XXXX XXXX at this time. I wrote to XXXX XXXX  and they wrote me a letter which I have dated XX/XX/XXXX that they will remove this hard inquiry from my credit report. Months have gone by and I have tried to reach out to XXXX XXXX again and no one from the company replies. I tried to reach out to Equifax and supplied them a copy of the letter from XXXX XXXX and they refuse to remove the hard inquiry stating that it is factual. I know that this inquiry will drop off in about 6 months however, the reason why I am submitting this is because it isn't right due to the fact that I never authorized this nor did I have this service. I am asking that this inquiry be remove from my Equifax Credit report since I never authorized this. 

My name was changed after I got married from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX. I have supplied my change of name certificate in here too to clear up the confusion.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account opened here was opened fraudulently and I was a victim of identity theft leading up to this. The amount of {$3000.00} is not mine to pay off because someone else who abused my trust put in some fake checks that he created, I don't know how, and demanded I put it in my account. The info that is shown on Early Warning database is inaccurate and needs to be removed as I'm not responsible for it as the person who did this is already in prison facing fraud charges. Account number XXXX and XXXX are not mine because I was forced to open them. 
I ask that the XXXX XXXX forgive this and remove this off my report as it wasn't my fault and I was a victim of manipulation and I was barely XXXX and my mind wasn't fully mature yet so I didn't understand what was going on. 
I also ask that the checking account fraud report be removed too as I did not do it but was rather a friend who abused my trust who committed that crime.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX XXXX XXXX XXXX XXXX SUBMITTED PAPERWORK TO ALL 3 BUREAUS REQUESTING THE COLLECTION ACCOUNT BE REMOVED FROM MY CREDIT REPORT. THE ATTACHED LETTER SHOWS IT ALL. AS OF X/X/2017 THE AGENCIES ARE SAYING THEY HAVENT RECIEVED ANY SUCH NOTIFICATIONS.BUT WE CALLED XXXX XXXX AND THEY ENSURE IT WAS SENT ON X/XX/2017 TO BE REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681, And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Account Name XXXX  XXXX Account Number XXXX Account Name XXXX XXXX XXXX, XXXX Account Number XXXX Account Name DEPT OF EDUCATIONXXXX Account Number XXXX Account Name DEPT OF EDUCATIONXXXX Account Number XXXX Account Name DEPT OF EDUCATIONXXXX Account Number XXXX Account Name DEPT OF EDUCATIONXXXX Account Number XXXX Account Name DEPT OF EDUCATIONXXXX Account Number XXXX Account Name DEPT OF EDUCATIONXXXX Account Number XXXX Account Name DEPT OF EDUCATIONXXXX Account Number XXXX Account Name DEPT OF EDUCATIONXXXX Account Number XXXX Account Name DEPT OF EDUCATIONXXXX  Account Number XXXX Account Name DEPT OF EDUCATIONXXXX  Account Number XXXX Account Name DEPT OF EDUCATIONXXXX Account Number XXXX Account Name DEPT OF EDUCATIONXXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Record Type XXXX XXXX XXXX discharged Reference Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX