23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I sent several letters to State Collection Service in XXXX Wisconsin to verify this account. They continue to report it to all credit bureaus XXXX XXXX XXXX, XXXX XXXX XXXX ). The letters I sent to them were dated XX/XX/2021, and the final letter was sent on XX/XX/2021. They continue to report the unverified accounts to the credit bureaus. This account is a fraudulent account and without verification is under State and Federal violation. This should be REMOVED from ALL CREDIT BUREAUS. I have tried many times for State Collection Service to provide me with the contract with my signature on it. They continue to ignore my request. All letters sent were certified and returned receipt and it was received by State Collection Service. Yet they continue to report it to the Credit Bureaus.
Product: Credit card

This letter is to provide additional explanation and proof of my valid dispute at the amount charged by the XXXX XXXX XXXX  in XXXX XXXX XXXX. I visited the bar on the XX/XX/XXXX. There was a situation where I was told by the bartender he ordered {$250.00} bottle of champagne, which I contested but was still charged, and then was also double charged for an additional transaction. Some of the bartenders distributed it to their group and some of their friends and signed the receipt, even though I had said four times I did not order the drink and neither myself nor my party drank. The merchant attempted to say I signed the receipt in the dispute, even though that is very clearly not my signature, ( Ive attached two examples from my passports as proof ), as well as claimed that I didnt attempt to reach out to them, ( this is false, I emailed them the next week over and attempted to visit in-person multiple times after and the manager refused to speak with me ). This is a common scam at this bar where theyll markup or charge a drink, the bartenders will sign the receipt, and then theyll push it through. In fact its a COMMON complaint on XXXX reviews. I expect Capital One/XXXX/and XXXX XXXX to refund me my money or I am prepared to escalate this to the CFB and file a claim with the relevant authorities in XXXX XXXX. This is unacceptable. Capital One just claims I didn't provide this information about me contacting the bar when I did several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the XXXX XXXX LL, Now with agree to repay re fresh my account to current but they reporting late payment. all this situations was relay to covid 19 situation and lock down losing temporatly my job. Also to be afected directly with the with the COVID. I contacted then to arrenge a payment plan to continue and bring my account current. 
after been hospitalized aconsecuence of natural desastre COVID 19 illness and complications for me be a high risk patient. which I was at not income since XX/XX/XXXX Still today XX/XX/XXXX again. still making my payments I am dealing with Covid 19 effect and after speak to then they refused to help and still continuel reporting late to all to the bureau as delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

The need to REMOVE themselves from my credit report IMMEDIATELY!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX the remaining loan balance prior to an unlawful repossession was {$3100.00} The company then added on {$5000.00} in fees. Failed to disclose the sale of the vehicle in auction accordingly. 
The company continually refuses to provide proper documentation regarding the fraudulent and exhorbitant fees. 
The date of first delinquency is XXXX of XXXX After multiple disputes directly and through the credit bureaus the company continues to update the account by re-aging the late payment status and continues to reflect an incorrect balance
Product: Debt collection

Amount owed is false amount and Midland Credit Management has no copy of original contract or witness to me signing such. My information was obtained without my consent and is in violation of my privacy according to 15 USC 1681 Section 602, 15 UUSC 1681 Section 604 A Section 2, also 15 USC 1666B.
Product: Credit reporting or other personal consumer reports

I've viewed a copy of my credit report and noticed today that they're multiple inaccurate and authorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and my credit report.
Product: Debt collection

This was an apartment that was XXXX $ a month, I became XXXX XXXX XXXX XXXX, my Mother tried to pay the statement but was refused, she then had to clear out my belongings while I was in the XXXX, they refused he payment and said just get my things out which she did, that was XXXX but it is still on my report and has a false amount
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on My Credit Report under FCRA 1681 ( c ) ( 2 ) To Whom It May Concern : I am writing to formally dispute inaccurate information that appears on my credit report. This dispute is filed under the protections afforded by the Fair Credit Reporting Act ( FCRA ), specifically Section 1681 ( c ) ( 2 ), which outlines my rights as a consumer to dispute inaccurate or incomplete information directly with the furnisher of the information and ensures that such disputes are properly investigated.

Additionally, I am invoking my rights under the following laws that further protect consumers from inaccurate credit reporting : 1. FCRA 1681 ( i ) : This section requires credit reporting agencies to conduct a reasonable investigation of any disputed information within 30 days of receiving a consumer 's dispute.

2. FCRA 1681 ( e ) : This section mandates that information reported about a consumer must be accurate and complete.

3. FCRA 1681 ( s ) : This section provides additional protections against identity theft, ensuring fraudulent accounts are removed promptly after proper verification.

4. The Fair Debt Collection Practices Act ( FDCPA ) : This act prohibits debt collectors from reporting false or misleading information to credit reporting agencies. 
Disputed Item Details : * Creditor/Furnisher Name : XXXX XXXX  * Account Number : XXXX * Date of Reported Issue : XX/XX/year> The following information is incorrect or incomplete : 1- date reported doesnt match 2- Closed date is incorrect 3- date opened doesnt match I have attached the following documents as evidence to support my dispute : 1. A copy of my credit report highlighting the disputed item ( s ) Pursuant to the FCRA and the above-mentioned laws, I respectfully request the following actions : 1. Investigate the disputed information with the furnisher of the data.

2. Correct or delete the inaccurate information if the investigation confirms its inaccuracy.

3. Provide me with the results of the investigation and a corrected copy of my credit report.

4. If applicable, provide me with the name, address, and telephone number of the furnisher contacted during the investigation. 
Please be advised that the FCRA mandates credit reporting agencies to complete investigations within 30 days of receiving a dispute. I expect a timely resolution to this matter. 

Thank you for your immediate attention to this matter
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report were 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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  Balance : {$2900.00} XXXX XXXX XXXX XXXX Balance : {$11000.00}
Product: Debt collection

Comenity bank reached out to a branch of the company I work for asking for me after they called me and I directed them not to call me at work. When I called I was told that by law they can.
Product: Credit card

I inadvertently overpaid my Chase Freedom credit card by {$5000.00} and change. I contact the credit card company, they were going to issue a refund. I called back, and was told no refund had been issue and it was over $ XXXX so they could not. I asked for a supervisor, was told a refund had been issue but they did not know where it was. I asked for an escalation and was told I would receive a phone call in 3 to 7 business days which I never got. I have been trying to deal with them by phone and or secure message, have been told repeatedly I was getting a call never did. Today I did receive a call and a voicemail message, so after over a month they are apparently sending the refund. The way this was handled and the flippant way they said we regret any inconvenience was absolutely disgusting. I lost over a months worth of interest on the money I had to wait for to be return, which I still do not have, they had no regard for the fact that perhaps I needed that money.
Product: Credit reporting or other personal consumer reports

Subject : Request to Remove Closed Credit Card Accounts from Credit Report Dear Sir/Madam , I am writing to formally dispute certain entries on my credit report that pertain to closed credit card accounts, which continue to inaccurately report balances or account activity, affecting my credit score. The accounts listed below have been closed or charged off, yet they continue to report updates without my consent, in violation of both federal and XXXX  XXXX XXXX  : XXXX XXXX XXXX XXXX : Not listed Last Balance Update : XXXX XXXX XXXXXXXX Balance : {$4400.00} Last Balance Update : XX/XX/year>XXXX XXXX XXXX Balance XXXX {$0.00} Last Balance Update : XX/XX/year>XXXX XXXX XXXX XXXX  XXXX  Balance XXXX {$0.00} Last Balance Update : XX/XX/year>XXXX XXXX XXXX XXXX  Balance : {$0.00} Last Balance Update : XX/XX/year> XXXX XXXX, XXXX. 

Balance : {$530.00} Last Balance Update : XX/XX/year> XXXX XXXX Rewards Balance : XXXX XXXX XXXX XXXX  Update : XXXX XXXX XXXX XXXX  Balance XXXX {$0.00} Last Balance Update : XXXX These accounts are either closed, charged off, or have no balance due, and they should no longer impact my credit score or report any updates without my express consent.

Legal Violations : Fair Credit Reporting Act ( FCRA ) : As per 15 U.S.C. 1681c, closed accounts should not continue to report inaccurate balances or account updates. The continued reporting of erroneous balances is a violation of this law. 

XXXX  XXXX XXXX XXXX ( XXXX  XXXX. XXXX XXXX XXXX ) : The state law prohibits the dissemination of inaccurate information and deceptive practices. Reporting closed accounts with misleading or incorrect balances qualifies as such practices. 

I request that these accounts be immediately removed from my credit report, as they reflect inaccurate information. I have not provided consent for any continued reporting of these closed accounts, and they should no longer be included in my credit report. I have enclosed a copy of my credit report with the disputed entries clearly highlighted for your reference. 

Please conduct a thorough investigation and correct my report as required by law. I also request written confirmation once the inaccuracies have been addressed and removed. Should this issue remain unresolved, I will have no choice but to take further legal action under both federal and state laws to protect my rights. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and the removal of the disputed accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone took a loan out in my name, they used my checking account and email address. 

Im willing to send the money back to the company minus the money they have taken from my checking account. If it was an error on their part then I will return what was deposited in my checking account - minus what has already been paid to them. There were bi-weekly payments being taken from my checking account. I did not authorize this loan to be taken out in my name.
Product: Credit card

Wells Fargo closed all of their accounts with XXXX XXXX. This left all customers with a negative line of credit and a reduction of credit score ( for me ) of XXXX points. This damage has, no doubt, cost XXXX people XXXX dollars in damage.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy on my credit report and noticed, I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

NCB Management Services , Inc continuously tries to collect a false inaccurate debt by any means necessary. In the form of harassing phone calls to both friends, relatives, employers, letters, and credit reporting. On several  attempts NCB has been put on notice of this so-called claim to a false inaccurate debt in the amount of {$6800.00}. A debt they claim to have purchased from XXXX XXXX  that was discharge. Furthermore, besides being inaccurate as of todays date NCB is attempting to collect on a debt thats over seven years old. And past Five-year statues of limitations in Florida.
Product: Credit reporting or other personal consumer reports

I have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant XXXX and distress
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Checking or savings account

I reserved hotel accommodations from XXXX for XX/XX/2023 through XX/XX/2023. And also purchased insurance to protect my reservation in case I needed to cancel, because my wife was/is currently ill and under physicians care. Once I received confirmation of the reservation I noticed the dates were incorrect and contacted XXXX immediately to correct the dates ; I spoke to several managers, and one manager stated that there should not have been an issue getting it changed or cancelled. We tried to call the property owner to ask them to fix the reservation ; as we could see that there was availability at a lower rate. We were more concerned with the dates than the lower rate. The property owner explained he would change the dates if we paid him {$110.00}. We reached back out to XXXX and they could not understand why, we explained we wanted to cancel the reservation and just stay at another property. After being told that we could without penalty ; then that was an issue. We then went to the bank with all the email transactions and managers names we spoke to and disputed the transaction. We received our funds and went on our trip. Days later chase took the funds back out of my account. I went into the branch to talk to an officer and again show them all the information I had, the officer sent it to someone in their back office and stated that the case would have to be reopened and viewed. I again reiterated that we did not stay at the property; received notification that the funds had been taken back from XXXX and the reservation was going to be canceled. The bank seemed unconcerned and denied my claim again. I paid for a service that I did not receive and the bank refused to look into it and return my funds
Product: Credit card or prepaid card

On XX/XX/XXXX, My JP Morgan Chase credit card was charged {$2000.00} without my authorization from a handyman I used in XXXX. Attached you will find that all invoices are paid and I have never used his service again nor I receive any invoices from him again. I reported this fraud charge to JP Morgan Chase and cancel this credit card on XX/XX/XXXX. On XX/XX/XXXX, I receive the FIRST phone call regarding this fraud reporting and I was told they do not accept it to be fraud charge and it is my responsibility to pay back {$2000.00} even though I told Chase, this company no longer exists, its state registrations are all expired, it has closed its business and skip town. Chase has never requested any documentation from me as to why this is a fraud charge. Yet they made a determination per a phone call with me. I believe Chase has paid this merchant despite my fraud reporting and now they are trying to hold me liable for this fraudulent payment.
Product: Mortgage

I just checked my credit reports as of  XXXX   XXXX   17 and only  partial information was fixed. The request for the removal of 30 days late was not take off. Transunion had fixed their information around  XXXX   XXXX   17 and  my score and account were fixed. However, it has since been reverted back to 30 days late for some reason even though all the information shows it was n't late.  XXXX  updated their information on  XXXX    XXXX    17 ex cept still showing as 30 days late.   I am requesting 360 resubmit the request for the 30 days late be removed and the current status to reflect CURRENT or PAID AS AGREED. Never late.     I request this be done immediately as a future loan is pending this correction and is causing serious headaches for me. I have wrote t he President of 360 again t o make him aware of this and to see if this will be fixed quicker as well. I understand   360 will have 15 days, however, i need to have this done in the next 7 days as my future loan and home depend on this. I am also requesting 360 refund the {$39.00} I paid to check this correction via   XXXX   since the corrections were not completed correctly.     This references previous CFPB submission Case number :  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint with this company and me not being able to access my credit report with Equifax, Every time i get on site and submit my information it states its can not be found I have to attempt at least ten or more times keying same information before i could possibly get in. This is a headache because everytime i call i provide same information im keying over the web and they say they dont know whats the problem. This is too time consuming and is not fair to me
Product: Vehicle loan or lease

XX/XX/2023, 18 days after arriving in Arizona, I chose to trust Drive Now auto dealership and Auto Now Financial financing company in regard to purchasing a vehicle. I chose a XXXX XXXX XXXX. This vehicle was in my possession for every bit of 66 days. This vehicle continued to give me issues, from day one, and even after their service department stated the problems were fixed. I took it back to the dealer on XX/XX/2023 because I smelled oil burning. On XX/XX/2023 I was informed to take the vehicle into their service department, the vehicle could not get in until the XXXX and was kept until the XX/XX/XXXX. Nothing changed it got worse. I even paid for services to the vehicle, and it continued not to conform to my standards nor my needs. I voluntarily returned the vehicle, which they came to retrieve on XX/XX/2023, after two weeks of sitting in the parking lot of my home. I have spoken back and forth with them on multiple occasions still no solid or major resolve has been given. They are now stating and considering the voluntary return of the vehicle as a repossession. To top it off these companies are in violation of the Truth in Lending Act and other state and federal laws. ( A.R.S 44-1522, A.R.S 13-2202, A.R.S 47-2612, A.R.S 44-6002, A.R.S 44-286, A.R.S 44-289, 15 U.S.C 1605. 
Replying with " You signed the contract so You're responsible ''. 
True I did sign the contract, yet the terms were vaguely and quickly explained to me, I got rushed through the signing process, not being able to fully read and understand what was being presented to me. When I did get the time to fully read and better understand the terms, I realized there were many contradicting and unlawful practices intertwined within the contract. 
I submitted a XXXX  report complaint on them as well.
Product: Credit reporting or other personal consumer reports

I have items 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 that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX  XXXX Bankruptcy 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX