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

My credit card with XXXX XXXX XXXX was set on auto pay and I never received any notice from XXXX XXXX XXXX that my card was delinquent. After some investigation, it appears that this is a common problem where the XXXX XXXX XXXX auto pay malfunctions and costs people fees and adversely affects their credit. This started in XXXX of 2023. This delinquency is improper and should be removed from my report. After raising this with XXXX XXXX XXXX, they sent me a letter saying that I have no delinquent accounts with them, but my credit has not been fixed. Before this, Ive had approximately 2,000 on time payments and have never had an issue.
Product: Credit reporting or other personal consumer reports

The account in question is with JPMCB Auto ( Account Number : XXXX ). The details of the account are as follows : - Status : Derogatory - Date Closed : XXXX - Date Reported : XXXX - Balance : {$33000.00} - Last Payment : XXXX - Account Type : Auto Loan I am disputing this item because I believe it is reported inaccurately. The Fair Credit Reporting Act ( FCRA ) mandates that all information reported to credit bureaus must be accurate and verifiable ( 15 U.S.C. 1681e ( b ) ). Specifically, case law, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, emphasizes the obligation of credit reporting agencies to ensure the accuracy of the information they provide. Furthermore, I have reason to believe that this account does not reflect my true payment history or account status, which has negatively impacted my credit score. I kindly request that you conduct a thorough investigation into this matter under the provisions of the FCRA. If you can not verify the accuracy of this information, please remove it from my credit report immediately. Enclosed with this letter are copies of relevant documents supporting my position, including [ list any included documents, such as payment receipts or correspondence with the creditor, if applicable ]. Please provide me with written confirmation of your investigation results and any actions taken regarding my request. Thank you for your prompt attention to this matter. Sincerely, - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This morning, I found unauthorized inquiries on my credit report and cant figure out why. I always check my credit report, but this time, discrepancies appeared unexpectedly. I even refreshed my browser to rule out a glitch, but the inquiries remained. I need the documents Ive submitted to be reviewed carefully so I can put this issue behind me for good.
Product: Credit reporting or other personal consumer reports

this is against loan depot for reporting 30 day late payment on my mortgage. i called to setup an automatic payment and bi weekly setup. they did not set it up and told me i should be setting it up myself. They went ahead and reported me. I want justice against loan depot for ruining my credit report unjustly and unfairly.
Product: Debt collection

I owed about {$80.00} to charter kids clothing department, in 2019 sometime in XXXX, then left to XXXX because of Covid-19 lockdown I was stuck there with my 8 months old baby, after coming back to USA in Aghast collection agency called me, telling me to {$270.00} I ask them what is original amount because I forgot exact amount, they didnt come back to me, I also explained my situation that let payment was not intestinal act, now amount is {$340.00}, I contacted them offering {$100.00}, and asking for forgiveness because I am single mother and cant work in COVID-19 situation, I requested them to let me speak with supervisor but, supervisor didnt contact me. 

They are asking whole amount, which I dont have it, I am not working, i cant buy second hand car because of my credit they have screwed up. 

They did not send me anything by post, just mounting amount, and repenters are stubborn just want their {$340.00} whole amount. 

Please help me, I am able to pay {$100.00}. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two unauthorized inquiries ( XXXX XXXX XXXX XXXX  XXXX ) ( XXXX XXXX ) on my credit file, both of these inquiries weren't authorized by me.I do have a account with XXXX which I was a prepaid account holder for years. I kept getting texts messages saying " for being a valuable and long standing customer I qualify to get a post payment account ''. I did go into the XXXX store and paid my prepaid bill, and asked the young lady who took my payment about the post pay deal, she asked did I want to switch my plans, and I distinctively asked the young lady did they have to run my credit because I was trying to keep my score up and inquiries down, she then asked another young lady who replied " it won't mess with your credit it's only a soft pull. I said if it's only a soft pull sure, I didn't sign no paperwork she did everything on the computer while I was at the counter. I'm not on a XXXX contract it's just a post pay plan, so that shouldn't be held against me, and I shouldn't have a useless hard inquiry on my file due to employees lying to get business.
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 XXXX XXXX XXXX XXXX Account name : DEPT OF EDXXXX XXXX., Account name : XXXX XXXX XXXX, Account name : XXXX XXXX violated my rights. 


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 reporting, credit repair services, or other personal consumer reports

I was directed to the XXXX XXXX XXXX with XXXX Bank to finance my dental work totaling approximately {$7000.00}. The dentist directed me to the on-line prequalification site to see if I would be approved without going through the formal process. The prequalification denied my credit so I tried to add my mom to the prequalification site as a co-signer. That prequal was denied also. Based on the wording on the website there were just a few questions and the inquiry would not impact my credit score. Within days XXXX XXXX  sent the denied credit to the 3 credit agencies and my score dropped between 3-9 points. When I contacted XXXX XXXX they said nothing could be done. Their claim 'to get a decision in seconds with no impact to your bureau credit score ' was misleading. Neither me nor my mother accepted the offer, which according to the site may then impact the credit score.
Product: Prepaid card

I have had a Paypal account that included a debit card for use in transactions for selling the jewelry I create and sell. Having cash that I wanted to place into my account, I purchased another prepaid card at a XXXX XXXX XXXX ( XXXX ) in XXXX, NM on XX/XX/2023. The card was loaded with {$100.00} plus the additional {$4.00} # # fee. I assumed the process would be fairly simple, but found it to be tremendously impossible. I downloaded the app as instructed and provided the information needed. Whether on the app or online, the processing never goes beyond the entry of the last four numbers of the social security card number. 

I called and in several attempts may have had the card activated, but little to no information effectively shared via app or website. I am a savvy individual and up to speed with technology. I am a professor at a university and this is like nothing I have experienced before.
Product: Payday loan, title loan, or personal loan

I attempted to reach out to BBVA in regards to my payments and late charges on my account. I received a return call and returned call but havent heard the status of my request. I spoke with a customer service representative with stated that I could no longer speak to anyone regarding the issues because a decision was made. I informed the representative that I had an email and left a message for Ms. XXXX XXXX on several occasions but received no return call.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX XXXX has run Hard Credit Inquiries on my Account. 

I have not authorized Chase Bank to Run Any Soft or Hard Credit Inquiries. 

When I called Chase Bank to inquire into why they were running Hard Credit Inquiries, I was told that there was No Department that Handles this type of issue and that I had to address the issue through the Credit Bureaus.
Product: Consumer Loan

I sent the company Balance Credit a revocation letter on XXXX/XXXX/16. They acknowledged and agreed to this request on XXXX/XXXX/16. On XXXX/XXXX/16 they debited my checking account for {$220.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted 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 Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Bankruptcy account has been removed from XXXX. which means it should be remove from XXXX and experian now. I demand that you remove these public record from my credit file. It is a violation of my right to privacy Pursuant to 15 USC 1681a ( 4 ) and 15 USC 1681b of the Fair Credit Reporting Act. Ive attached the updated credit report which shows the public record removed from XXXX.
Product: Debt collection

On XX/XX/XXXX and again on XX/XX/XXXX I sent a certified letter to LVNV FUNDING LLC. In response to a notice I received from them stating that I owe XXXX and XXXX. I wrote them asking that they send me in writing a validation of debt letter containing the following : XXXX : money they say I owe. 
XXXX : How was that amount determined XXXX : Provide copies of all signed agreements from me and creditor bearing my personal signature stating that I agreed to pay such amounts. 
XXXX : Provide me with proof that the statute of limitations has not expired. 
XXXX : show proof that they are licensed to collect in my state with their license number XXXX. A valid, legible copy of the agreement stating the debt and interest charges. 
They failed to comply with my request by sending me a verification of debt letter and also a letter to falsely claim that I was a victim of identity theft. They not only failed to comply with my requests but also violated my rights under the FDCPA and FCRA ( reference code ) ( 15 USC 1692g Sec. 809 ( b ) ).
Product: Debt collection

Complaint Against [ ALDOUS AND ASSOCIATES ] for Violations of Consumer Rights Dear CFPB, I am writing to formally lodge a complaint against [ ALDOUS AND ASSOCIATES ] for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically citing violations of 12 CFR 1006.34. 
Summary of Violations : XXXX. Failure to Provide Validation : [ ALDOUS AND ASSOCIATES ] has failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( XXXX ). Despite my request for validation of the alleged debt, they have not supplied any documentation or information to substantiate their claims. 
XXXX. Dispute Rights : I have not been afforded the opportunity to dispute this account in accordance with 12 CFR 1006.34 ( c ) ( XXXX ) ( XXXX ). The lack of validation has prevented me from appropriately addressing the validity of the debt. 
XXXX. False and Misleading Practices : The collection agency is using false, misleading, and deceptive means in their attempts to collect this alleged debt, which constitutes a clear violation of consumer protection laws. 
XXXX. Unauthorized Reporting : [ ALDOUS AND ASSOCIATES ] has furnished an account to consumer reporting agencies without providing the necessary disclosures required by law, thus violating 12 CFR 1006.34 ( d ) and XXXX XXXX ( a ) ( XXXX ) ( A ). 
Dispute Declaration : I hereby dispute owing {$350.00} to [ ALDOUS AND ASSOCIATES ]. I am requesting that they cease all communication with me via text, email, or phone calls, as I am revoking all rights for them to contact me in this manner. 
Request for Documentation : I also formally request the following : A complete validation of the debt in question, including any purchase agreements between [ ALDOUS AND ASSOCIATES ] and the original creditor. 
Any documentation that demonstrates their authority to collect on this alleged debt. 
Please address this matter promptly. I would like confirmation that my dispute has been received and that appropriate actions are being taken regarding this issue. Thank you in advance!
Product: Credit reporting or other personal consumer reports

Equifax has failed to do a proper re-investigation according to FCRA. All Credit reporting agencies are supposed to have the same accurate information when a true investigation is done. Attached is proof that all Equifax, XXXX, and XXXX have different information. I received a copy of my credit report and noticed inaccurate Information reporting. Pursuant to, 15 USC 1681, Accuracy and fairness of a credit Report. According to the law, before any information is inserted to my consumer report, it must be accurate and fair Information reporting. XXXX  XXXX account XXXX is a fraudulent account and is reporting with different information on all from Equifax, XXXX, and XXXX which proves there has been no proper investigation done. Equifax is currently reporting negative information as a violation to federal laws. ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. ( 15 usc 6801 Protection of Non- Public Information ) PLEASE PROVIDE THE DISCLOSURE FORMS RECEIVED IN YOUR INVESTIGATION WHEN ACCOUNTS WERE FIRST PLACED ON MY CREDIT REPORT. 15USC 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORT. AS A CONSUMER REPORTING AGENCY YOU ARE SUPPOSE TO GET WRITTEN INSTRUCTIONS FROM ME STATING THAT IT IS OK FOR YOU TO REPORT ON MY CONSUMER FILE. YOU DID NOT GET PERMISSIBLE PURPOSE FROM ME THE CONSUMER TO REPORT ON MY CREDIT REPORT. THE INFORMATION REPORTED ON MY REPORT IS NOT FOLLOWING THE INDUSTRY STANDARD CODE. HOW WAS THE INVESTIGATION CONDUCTED? PURSUANT TO 15USC 1681A ( E ) INVESTIGATIVE CONSUMER REPORT YOU MUST PROVIDE ME PROOF OF THE INVESTIGATION. I'm aware of my rights and according to the Fair Credit Reporting Act, I have the right to challenge anything and everything that I'm unsure of. I am demanding that you reinvestigate this account immediately. If you can't provide proof of the reinvestigation, these accounts must be deleted according to 15 USC 1681 i, ( Treatment of Inaccurate or Unverifiable ). In general, if after any reinvestigation under paragraph 1, of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. The law is very clear as to civil liability and remedy available to me. Furthermore, failure to honor this reinvestigation will lead to you being responsible for {$1000.00} per violation. Thank you for giving this your prompt attention.
Product: Mortgage

I haven't. been late in over 2 years but according to them I have, i thought it was because I was sending it to XXXX XXXX XXXX XXXX, Texas XXXX, but I sent my payment to the address listed on the bottom of the mortgage statement XXXX XXXX XXXX XXXX Texas XXXX they are still calling and leaving vms and sending letters like I am in need their help in managing my mortgage. In addition they are saying that I am putting the wrong loan number on my money orders when I have it memorized XXXX it hasn't changed since XXXX
Product: Credit card or prepaid card

XX/XX/2022 Interest Charge On Purchases {$4.00} XX/XX/2022 LATE FEE {$30.00} XX/XX/2022 XXXX XXXX XXXX {$100.00} XX/XX/2022 XXXX XXXX XXXX XXXX  XXXX XXXX {$70.00} Fees XX/XX/2022 FOREIGN CURRENCY FEE XXXX XX/XX/2022 FOREIGN CURRENCY FEE XXXX TOTAL FEES FOR THIS PERIOD {$5.00} I was told that the account would be closed and investigated but the account still remains open and active.
Product: Checking or savings account

On XX/XX/23, I contacted Regions bank with the merchant XXXX. I explained that there were 2 charges from XXXX totaling {$100.00} that I did not authorize. The merchant advised the Regions bank rep that I did not authorize those charges and to start the dispute process. It is now, XX/XX/23, and still no resolution. I closed my card out as instructed and went to the branch for a new card. I attempted to contact Regions 2 other times to no avail. I do not understand why it is almost 10 days since the dispute and nothing has been resolved. I have been struggling with banking reps both in the branch and the XXXX number being unprofessional and not helpful. This is absolutely unacceptable and have never experiences such nonsense. I want this resolved ASAP!
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and noticed XXXX XXXX # XXXX is reporting a bunch of inaccurate late payments. 

XX/XX/XXXX and and XX/XX/XXXX - are both reporting 30 days late. 

XX/XX/XXXX, XXXX is both reporting 60 days late XXXX month after that is reporting charged off re-aging my account each month. 

The credit Bureau have a responsibility to make XXXX everything thats reporting on my account is reporting accurate and complete. Please delete this account immediately as it is harming my credit. I will attach the credit report as my proof and a copy of my ID as proof of identity.
Product: Student loan

I 've had several instances. The first one was when I made a payment and navient decided to allocate funds from one of my loans on the other leaving me short on one of my loans causing me to get a late fee and a hassle to get them to fix it on there end. And I 've also experienced many times when they 've taken a smaller amount of funds for my loans leaving me with late fees. And because of these late withdrawals and leaving me short they 've increased my interest rates.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts. [ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX ] [ XXXX XXXX ] [ XXXX XXXX ] are not complete and accurate. 

[ XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

[ XXXX XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

[ XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

[ XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

[ XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate.
Product: Checking or savings account

Despite successfully receiving checks from my employer, Capital One has not deposited funds into any of my accounts authorized for EFT. Despite knowing of an alleged third-party error causing this, the bank continued to accept checks on my behalf. Without paying for a check to be reissued, I now have no way to access these funds. Every soft deadline they have promised to consumers has been broken and still no concrete acceptance of responsibility from the bank re : NSF and late fees, or other serious life complications caused by their failure.
Product: Credit card

Synchrony bank representative agree to a settlement of a charged off account. After I made the payment the account was updated on all my credit reports but was still showing a charge off balance never reflecting my payment subtracted from the total charge off amount.
Product: Credit card or prepaid card

Hello, RE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX of Birth XXXX Social Sec # - XXXX Release of any and all funds held by chime bank currently My name is XXXX XXXX, and i have been having an issue with Chime Bank. I was with the bank for approximately two and a half years. Early on I obtained a debit card which was associated with the checking account that I never used, and subsequently lost but never worried about because i had deposited no monies into the account. Fast forward two years later and I used my XXXX Account to do a rarely used type of transaction with a customer for nearly {$500.00}. To my shock, the funds went onto a card that I did not recognize which unbeknownst to me was tied into that XXXX account in some obscure setting somewhere that I had not notices ... .XXXX  as a Service, almost never use so my navigation in the programing is definitely rusty anyway ...

Upon tracking the transaction down it tracked to the account named within Chime Bank absolutely refuses to release my funds. All i have repeatedly asked them to do is to, if in doubt about the owner of the account which is me

( they hav e asked me for my ID four times in a row now ... and on the fourth time I wrote to you and refused ). All they would have to do is issue a check to the owner of the account that they have always had on file since day one and who the account was opened with ... that address used to mail the funds to Please aid me in making these slime balls return my funds ... .because I can promise that without your aid these unscrupulous roaches would have kept my funds. Thank you so much for your time and attention. 

XXXX XXXX
Product: Credit card or prepaid card

I am disputing a charge placed on my card from XXXX XXXX for XXXX on XXXX for two insurance umpire fees of XXXX for myself and the XXXX side the piublic adjuster XXXX stated he sent a refund on XX/XX/XXXX thru XXXX never seen this yet. I did email wells fargo with this email that to this day i still have not received the refund they refused to speak to my XXXX XXXX XXXX and power of attorney
Product: Credit reporting or other personal consumer reports

This is the XXXX  time XXXX updated this questionable information by sending a letter to the XXXX credit bureaus. I believe XXXX  have violated Sections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX by failing to verify these items, and I will take legal action against XXXX  as a result. This was previously mentioned in my previous COMPLAINT #, and XXXX  including XXXX XXXX more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

A company identified as : CBNA made hard pulls of my XXXX credit report on XX/XX/XXXX and XX/XX/XXXX without my authorization. After some research it seemed this is Citibank?