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

I should only have two addresses on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX {$260.00} I have disputed the collection. 
This is negatively affecting my credit. 
Original creditor XXXX Account opened XX/XX/XXXX. 
Last reported XX/XX/XXXX. 
A collection agency is reporting incorrect information on my credit report. It shows an account that has a past due balance. Collection, there should be no balance, past due or otherwise on the account. I do not have a contract with the collection agency that is reporting incorrect information. Also, this collection agency brought the original contract and the debt. Commerce law 15 usc 1681.
Product: Checking or savings account

I have {$1000.00} in overdraft fees, if I made purchases on the same day Wells Fargo go back and add on the overdraft fee so lets say I over draft 4 times in one day they add on they over draft fee of the previous day on a new day.
Product: Consumer Loan

I went to XXXX XXXX XXXX and they sold me a car that supposedly was part of a special program that they offer. They told me not to worry about the payment amount and hat the car would have negative equity. that the a was like a loaner car to help us reestablish our credit. we paid for a year and we went back they said that the program that I was talking about does not exist and that the finance manager that helped us is no longer there. If I wanted to trade the vehicle I would have to ay {$6000.00}. we left I called the finance company telling that what had happened and they said sorry so I told them that I do not want he car and for them to come pick it up. 2 months past and on XXXX XXXX I checked my personal bank account the finance company Auto acceptance in XXXX OR took XXXX unauthorized payment form my account. The reason why they have my account information is because I made a one time debit cad payment 3 months ago. They were never authorized to keep my bank information and I never signed anything stating for them to keep my bank information on file. I also checked the car contract and there is nothing stating that they can do anything like what they did and what they did is raud and stole money from me
Product: Credit reporting 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 collection XXXX XXXX charge-off XXXX XXXX XXXX charge-off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an urgent matter concerning my credit report. According to the Federal Trade Commission ( FTC ) Report Number : XXXX, I have identified some unauthorized inquiries on my credit report. I did not provide any authorization for these inquiries, and, as such, I am formally requesting their immediate removal from my credit report. 

Details of 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 XXXX XXXX XXXX XXXX I am deeply concerned about the potential negative impact these unauthorized inquiries may have on my credit score and financial standing. As a responsible consumer, I consistently monitor my credit report to ensure its accuracy and security. 

I kindly request TransUnion to initiate a thorough investigation into these unauthorized inquiries and promptly remove them from my credit report. I understand that the Fair Credit Reporting Act ( FCRA ) grants consumers the right to dispute inaccurate information on their credit reports, and I am exercising this right in seeking the removal of these unauthorized inquiries. 

I appreciate your prompt attention to this matter and request that you provide written confirmation of the actions taken to resolve this dispute. According to the FCRA, I expect a response within 30 days of receiving this letter. 

FTC Report Number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing in response to your recent communication, which I received regarding the alleged debt associated with the account under my name, referenced in your letter. I appreciate your prompt attention to this matter, and I would like to bring to your attention some concerns regarding the validation process and the handling of my personal information. 

Firstly, I must express my dissatisfaction with the validation process as outlined in your letter. While I acknowledge the explanation provided regarding the charge-off and subsequent sale of the debt, I find it troubling that my personal information was sold and transferred to multiple entities without my explicit written consent. I believe that such actions infringe upon my privacy rights and raise concerns about the security and responsible handling of personal data. 

Additionally, I dispute the claim that no correspondence was received directly from me prior to the complaint filed through the Consumer Financial Protection Bureau ( CFPB ). I have not been provided with an opportunity to validate or dispute the alleged debt directly with your agency. The notifications of dispute initiated through credit reporting agencies do not constitute direct communication with me, the consumer. I request that you provide evidence of any correspondence sent to me regarding this matter before the dispute filed through the CFPB. 

Furthermore, I assert my right to have clear information about the terms and conditions of any original contract associated with this debt. The sale of the debt does not absolve your agency of the responsibility to provide verification of the debt upon my request, including the original contract, complete payment history, and a full set of billing statements. I am aware of the requirements under the Federal Debt Collection Practices Act ( FDCPA ), and I believe that these documents are necessary for a thorough validation process. 

In light of the above concerns, I am formally disputing the validity of the alleged debt and request that you cease all collection activities until a proper validation, including the requested documentation, is provided. Additionally, I seek clarification and written confirmation that my personal information will not be further sold, transferred, or furnished without my explicit written consent. 

I appreciate your prompt attention to these matters and look forward to a swift resolution. Please consider this letter as a formal request for validation of the debt and a cease and desist of all collection activities until proper verification is provided.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on XXXX  XXXX Account ( Account Number : XXXX ) Dear CFPB, I am filing a complaint regarding the inaccurate reporting of late payments on my credit report for the XXXX  XXXX account ( Account Number : XXXX ). Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

FCRA Violations : Under 15 U.S. Code 1681i, Equifax is required to ensure the accuracy of the information in consumer files. The continued reporting of incorrect late payments violates this obligation.

TILA Violations : According to 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account indicates a failure to meet this requirement. 
The following 30-day late payments have been inaccurately reported : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
These inaccuracies are causing undue harm to my creditworthiness and financial standing. 
Desired Resolution : Immediate removal of the inaccurate late payment notations. 
Written confirmation of the correction. 
Please consider this letter as my formal dispute. If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with the CFPB and other relevant authorities. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several XXXX serviced accounts went delinquent XX/XX/XXXX and stayed delinquent until XX/XX/XXXX. 

As of XX/XX/XXXX these should no longer have been reported as delinquent due to the statute of limitations. 

I disputed this information several times with the CRA and XXXX then changed the information to make it appear more recent. 

This is classic case of an unfair and deceptive trade practice. I have applied for a loan and if my interest rate is directly affected due to this false information, I will sustain an financial injury to which I will be owed damages. 

This must be removed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has failed to use adequate resources other than the name only matching process. After multiple disputes, my personal identifiers have not been updated. I submitted proof of identity including a copy of my original birth certificate, social security card, XXXX  XXXX ID, current bank statement and utility bill. The date furnished is erroneous and does not belong to me. XXXX has multiple variations of social security numbers listed on my report. None of the variations are correct, which confirms my allegations of improper verification methods used to verify the accounts belong to me. Simply using the name only matching process has affected my credit worthiness and has stopped me from accessing the financial resources needed to support not only myself, but my XXXX month old XXXX XXXX. Being a domestic XXXX victim fleeing my abuser at the start of the pandemic, obtaining housing has been extremely difficult due to the inaccuracies reported on my credit report. I have submitted copies of police reports, my XXXX ID Theft report, requested security alerts and blocks to be placed on the fraudulent accounts, yet my requests have been ignored and the disputes have been verified through the data furnishers. Which XXXX explicitly lists as XXXX XXXX Solutions, I have requested a security freeze, opt-out and request for information deletion. XXXX sent a confirmation via XXXX with a security freeze pin, yet XXXX states that XXXX verified my information. I interpret that as XXXX violated my rights under the XXXX and failed to keep my personal information confidential, causing my disputes to be verified when the reports furnished contain incorrect and out dated information that needs to be deleted and blocked from my consumer reports.
Product: Money transfer, virtual currency, or money service

PNC/XXXX dept will not refund my XXXX $ where I was scammed on XXXX  and they will not treat it as a chargeback for item not received. ON XX/XX/XXXX I thought I was talking to a friend of a friend via XXXX XXXX to purchase a mixer. She asked for a deposit as she was selling multiple items. Her name was XXXX XXXX XXXX. XXXX  has already flagged it as fraud, XXXX has too and so has XXXX ; however, twice PNC has denied my request to do a chargeback to get my XXXX $ back since this scammer pretended to be someone else and hacked their account- whom I did know as a friend. I thought I was sending money to that friend but her account was hacked. They then sent me a fake address to pick it up then a fake text saying they refunded me so I would not pursue more action. PNC did not reach out to me like I asked to gather all the proof I have showing I paid for something I did not receive. they are just treating it like a typical XXXX  transfer that I authorized. I did authorize this to XXXX XXXX and not the person who hacked her account. I also did not receive the goods I paid for which should fall under a chargeback. I am most frustrated that they have not asked for or allowed me to share all the proof I have from the scammers admitting they scammed me which should at least be proof to give me a refund. The PNC XXXX  customer agent said they don't refund because I authorized it. However, this particular scam should fall under a chargeback for item not received and paid for like any credit card merchant that they would honor.
Product: Debt collection

I will respond to Hunt and Henriques correspondence dated XXXX XXXX, 2017.  That was sent to your offices and forwarded to me. I demand they cease and Desist Collection activities. They have no legal right to file any motions or collect any funds for these accounts
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX ) was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( 30-90 days ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit card

Before I leave XXXX, I cancelled my credit card account with Citibank and paid all the bills in full. Several months later my brother contacted me that XXXX XXXX XXXX XXXX sent me a mail to collect money on behalf of Citi. I called Citi asking them if they can provide me the last billing statement. They simply ca n't provide me the detail. Of course I 'm not paying them!! What for? I have good standing account with XXXX and XXXX XXXX, never have any problem with them. 

Several years have passed, they still sending me letter. This time they offered me to pay only XXXX instead of XXXX. I called them again, the same thing happen. They ca n't provide any details. I 'm really dissappointed with them. This time I decided to pay it off, let Citi has my money. I am sharing this hoping that other people do n't have to go through this, especially if they are asking for a bigger amount. I do n't think Citi treat me fairly, I just asked them to send me the account statement. They ca n't provide it but they want my money.
Product: Checking or savings account

I never do this but my disappointment in USAA is extreme. I have been a member for 20 years. I was an employee for 6 years, and for the life of me I ca n't understand the way this bank has changed. Today I made a mobile deposit using a money order. Without prior warning before the deposit, my funds were put on hold for a week. I make this same transaction every month to pay my rent but for whatever reason this time my funds have been placed on hold. I was transferred to the executive resolution team and was told they will review for an exception. I was denied this because, I do n't deposit enough money to get the exception. What kind of treatment is this? I have a direct deposit every  2  weeks, and the solution I was given is to apply for a USAA credit card or borrow the money. Unbelievable USAA. What is the difference between you and  XXXX   XXXX  or  XXXX  or any other big bank that only cares about their profits. Do you even remember what it means to serve? What does  XXXX  stand for USAA. Lesson learned. Sure my rent check will be returned and you will charge a NSF fee as well as whatever fees my landlord is going to charge. Thanks  XXXX
Product: Credit card

I obtained a HELOC from my credit union to pay off my credit card debt in XXXXXXXX XXXX XXXX accounts were involved from 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 and XXXX XXXX accounts with Chase. Every financial institution treated me with respectful courtesy and considerate customer service EXCEPT Chase. All accounts honored the agreement that has existed since the creation of credit cards that when a balance is paid in full by the due date, no additional interest is charged. Chase, however, has developed a new insidious, malicious charge of residual interest, to insure customers can never fully satisfy a debt. They have relentlessly pursued their vicious collection efforts to ruin my credit rating and destroy me financially for the past 6 months.
Product: Debt collection

I've contacted XXXX XXXX XXXX numerous times to validate my debt because they are reporting inaccurate information on two accounts which include amount owed and accurate dates.
Product: Debt collection

Many different debt collection companies had obtained my information and mailed me numerous collection letters. They try to collect on behalf of JP Morgan Chase. However, I have found out that my SSN does not match with the person who owes them the debt. 

Please do something so I can stop receiving those letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiry That I know nothing about ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Debt collection

PORTFOLIO RC is claiming that I owe them {$920.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Student loan

Current lender bought private student loans that were included in my bankruptcy which was discharged and closed XX/XX/16. My current loan balance ( Nelnet ) still includes the loans that were discharged ( XXXX  ) including interest and fees. So my current student loan balance is incorrect because it reflect loans that were private discharged through bankruptcy. Not all loans were discharged just a few but the ones that were never removed from total balance when sold to Nelnet.
Product: Mortgage

Webster Bank denied my application for a Heloc. They state that the annuity income I reported can not be considered because the funds originated from my husbands retirement accounts. My husband authorized the distribution and the annuity is solely in my name. Im seeking only to borrow funds to pay the taxes on the retirement distribution. I believe that Webster Bank is discriminating against me by denying the loan.
Product: Debt collection

A representative from the company called me and when I called back because I didnt recognize the number stated they were calling me about a loan with XXXX XXXX. I asked him was he sure he had the person and then just proceeded with the call. He stated he had a check I had for a loan and when I asked him to send he said they would but lets resolve the issue. I explained to him i and never heard of him or his company and he then stated they were on my credit report. I told him that was not correct and he then ran an inquiry on my credit report with out my permission. He stated I have given them pro mission and that was not the case because I have never heard of the company. When I told him I was recording the call he then hung up and they refused to answer my calls. I then pulled up my credit report and it was an inquiry for this company on my report. I tried calling them several times and they just sent me to voice mail.
Product: Debt collection

Victoria secrets, Commenity Bank, my card was compromised and used settled with the Bank they agreed to move negative mark off my XXXX credit report and now they wont take my calls and say they cant find my account this was from XXXX of 2019 going on the 6 year mark. Trying to buy a house in good faith would really like some help with this. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is still showing old XXXX debt that was in collections. Four different accounts are still listed and each account is under {$500.00}. Per the new law, XX/XX/2023 this should be removed. Their DISPUTE department has been continually down and they are unable to address.
Product: Credit reporting or other personal consumer reports

I disagree with the reporoting of this account listeed below which persists on my credit report despite your previous investigation. I request an immediate re-investigation of this item as its inaccuracies severely impacts my credit score. Per the FCRA ( Public Law 91-506 ), Title VI, Section 611, Subsection 1-D, Please proivde me with names and business addresses of each individual whom you verified and calidated the XXXX information with, so that I may follow up accordingly. Additionally please send me an updated copy of my credit report after completing your investigation. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX