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

I XXXX XXXX, rights of privacy have been violated and breached by this bureau which is a direct violation of federal law 15 U.S.C 1681 ( a ) ( 4 ). This bureau is also in violation of federal law 15 U.S.C 1681b ( a ) ( 2 ) by reporting misleading accounts on their website without my written consent. This bureau is reporting misleading information on their website and according to the federal law, it is the bureau 's GRAVE RESPONSIBILITY to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. Their negligence has caused me distress and I'm seeking litigation.
Product: Checking or savings account

Several thousand dollars were withdrawn from my personal savings account without my authorization approximately {$11000.00} in 2010. I have tried several years try to settle this account to no avail. XXXX XXXX of the XXXX location here in Texas involved himself stating lies to Wells Fargo to justify this deception.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

I am writing to dispute and request removal of the late payment reported on my credit report for the XXXX XXXX XXXX account. This letter serves as formal notice under the Fair Credit Reporting Act ( FCRA ) and New York State laws. 


Facts : 1. The reported late payment is inaccurate and unsubstantiated.

Violations : 1. FCRA 1681e ( b ) - inaccurate information reported.

2. 12 CFR 1022.41 - furnishing inaccurate information. 
3. New York State General Business Law 380-a - false or misleading information.

Removal Request : Pursuant to FCRA 1681i ( a ) and New York State General Business Law 380-b, I request : 1. Immediate removal of the disputed late payment.

2. Confirmation of removal in writing.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX  XXXX, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX. XXXX, {$4600.00}. XXXX. XXXX, {$550.00}. XXXX. XXXX, {$3500.00}. XXXX. XXXX, {$2200.00}. XXXX, {$1200.00}.
Product: Checking or savings account

I opened an account with Citibank in XXXX. In XX/XX/XXXX they advised they would no longer be sending statements. They would communicate by email. My first problem is that they have never communicated since. It is almost 12 months and not a single statement or communication. No more emails and nothing in the trash either. My second and more concerning issue is that I can not access my account in any way and the company refuses any telephone or written support. I mislaid my ATM card. Because of this I am unable to even talk to their customer service people. I had an old dormant access card and was able to use this to get through the automated system and at least talk to them - but was told without my ATM card ( 1 ) they would not help ; ( b ) I can not apply for another card ; ( c ) they would NOT help me get access, and ( d ) without it the funds will NEVER EVER be released. If I don't find the card, the bank will keep my funds forever. Really? Are American banks so dishonest - lose a card and lose your funds??? There is no email facility at my bank. I can not log online as I do not have said ATM card. I have now faxed a letter to them twice ( a month ago in XXXX ) - and still no answer. I need help to get this bank to actually *communicate*. As it stands they have refused any help verbally and have said that they will not help in future either. I am also concerned as the account may become dormant. 
This bank is intransigent, difficult, obstructive and has indicated they have no intention of helping.
Product: Credit card or prepaid card

I am filing a complaint against JP Morgan Chase Credit Card because they are not protecting my consumer rights under the Fair Credit Billing Act. I purchased round trip ticket from XXXX, IL to XXXX, XXXX with a stop off in XXXX for my XXXX years old son XXXX XXXX on XX/XX/2020. Flight number for XXXX to XXXX is XXXX  XXXX and from XXXX to XXXX is XXXX XXXX.Both flights have been cancelled by XXXX XXXX  . I tried calling XXXX XXXX ' main customer service number but I was on hold three times for approximately 1.5 hours average. I checked their official website XXXX and found out that all international XXXX  passenger flights scheduled until XX/XX/2020 have been cancelled. Both of my flights were supposed to happen in that period of time. I also have email confirmation from my travel agent XXXX XXXX located at XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX and phone number XXXX that flights have been cancelled. I have been declined any refund to my account.I did not benefit from any goods and services from this charge. I am entitled to a full refund back to my Chase credit card ending in XXXX.According to the U.S. Department of Transportation : U.S. and foreign airlines remain obligated to provide a prompt refund to passenger for flights to, within, or from the United States when the carrier cancels the passengers scheduled flight or makes a significant schedule change and the passenger chooses not to accept the alternative offered by the carrier. The obligation of airlines to provide refunds, including the ticket price and any optional fee charged for services a passenger is unable to use, does not cease when the flight disruption are outside of the carriers control ( e.g. a result of government restrictions ) .The Department of Transportations policy will apply not only to domestic flights within U.S. , but also to any that were scheduled to depart or arrive in the country from other countries, meaning foreign carriers will be subject to enforcement as well. For domestic flights, as well as international ones departing or arriving the U.S., everyone is covered by the rules of the Department of Transportation. As it says on the DOTs website ( https : //www.transportation.gov/briefing-room/us-department-transportation-issues-enforcement-notice-clarifying-air-carrier-refund ), if your flight is canceled no matter the reason everyone is entitled to a full refund back to his/her original form of payment for the unused portion of your itinerary.Furthermore, I can dispute a charge for goods and services that I did not accept or that were not delivered as agreed upon according to Fair Credit Billing Act. This is a federal law designed to protect consumers from unfair credit billing practices. Chase has not apply this federal law when taking decision on my case # XXXX. Please investigate this matter and help refunding my {$880.00} back into my account. I would appreciate a respond from you in writing. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Act. These creditors have violated my rights under

15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a paym
ent on credit card account under an open consumer credit event as late for any purpose.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I wrote a complaint about the this company and the misleading data on my credit report due to them. I am now preparing to file a lawsuit due to purposely and intentionally furnishing inaccurate and false data on my credit. They responded on XX/XX/XXXX that I am a victim of fraud yet with no resolve so I will seek 1 % of the gross revenue and {$1000.00} per violation. ACCOUNT NAME AMERICOLLECT INC Account : XXXX AMERICOLLECT INC Account : XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above STATUS Company responded there may be potential fraud involved on XX/XX/XXXX
Product: Debt collection

They call every two hours. When I answer the phone, they hang up every time. Had to call the number back to figure out who they were. The calls persist with no recourse for me to make them stop. This is my second complaint about excessively repetitive phone calls. They've been told to stop calling and they refuse.
Product: Credit reporting or other personal consumer reports

I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE REPORTING
Product: Debt collection

On XX/XX/2021 I entered a consumer credit transaction with CHRYSLER CAPITAL and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. They are now claiming that they originated the credit I extended to them, in which I submitted a {$3000.00} down payment, my insurance was not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that CHRYSLER CAPITAL claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. CHRYSLER CAPITAL has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Product: Debt collection

I received a letter I owe from a rental property I moved out of due to unhealthy living situations. 2 years later, I received a letter advising I owe $ XXXX. They turned me into the credit bureau 2 years with this debt collectors name and didnt realize until I did a credit check. They sent a letter stating I have 30 days to pay but no knowledge of it. They purchased a false debt
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX CT XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/2022 XXXX, XXXX
Product: Debt collection

Today is XX/XX/XXXX, I have contacted XXXX about two XXXX accounts updated than added to two accounts that were paid off. These accounts are all listed as charge off accounts when one that is listed XX/XX/XXXX and the other was XX/XX/XXXX. The accounts were recently reported XX/XX/XXXX. Documentation shows only two accounts owed funds and settled. 
Where is there a third charge off? There was never a third charge off. 
There only two accounts one for XXXX and the other for XXXX. 
One account is not reporting any credit information, this a duplicate. 
I don't understand, how Capital One continues to injury my credit standing when all account ( 2 accounts are settled ). 
XXXX and XXXX need to remove this dummy account. They will validate or provide this unknow credit account the third. 
Executive Managment- I have been communication since XX/XX/XXXX, no resolve. 


XX/XX/XXXX- XXXX XX/XX/XXXX-XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

BEING A VICTIM OF IDENTITY THEFT AND AS A CONSUMER I HAVE REACHED OUT TO BANK OF AMERICA AND TO THE BUREAUS TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I HAVE SUBMITTED MY IDENTITY THEFT AND ACTUAL STATEMENT TO PROOF MY IDENTITY AND SIGNED AFFIDAVIT NOTARIZED THAT I AM VICTIM OF AN IDENTITY THEFT. I NEED THE FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT CARD. I DON'T HAVE ANY INFORMATION ON THE THEIF OR ON THE FRAUDULENT ACCOUNT. THE ACCOUNT IS CLOSED AND IT HAS A XXXX BALANCE, I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT PROFILE.
Product: Money transfer, virtual currency, or money service

I applied for a remote job with a company called XXXX XXXX with data entry position. They interviewed me and went through all the processes like when you apply for a job. After they accepted me they told me they will send me a check to buy equipment through their vendor! They sent me XXXX checks XXXX of the checks amounted to around XXXX dollars after I deposit the balance can not available right away, they said I can zelle their money after the balance was available which I did Zelle their money when the balance of the check went through. After a few days, the check bounced back because it was not clear, fake, ide not have enough balance
Product: Credit reporting or other personal consumer reports

I recently discovered several unauthorized accounts on my credit report, indicating potential identity theft, as I never approved these accounts. I previously reported this issue and now formally request their immediate removal. These inaccuracies are causing significant distress, as they misrepresent my credit history and financial responsibility. Resolving this matter has been challenging, and if it remains unaddressed, I am prepared to take legal action to protect my rights. These errors are severely impacting my ability to achieve key financial goals, such as purchasing a home and supporting my family. I urge you to resolve this issue without delay.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX  XXXX XX/XX/XXXX {$1700.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I obtained a free annual credit report from XXXX. It showed a hard credit pull that I did NOT authorize, from a company I have NEVER had contact with and have NEVER requested to do business with. 

The unauthorized pull was by XXXX XXXX on XX/XX/XXXX. I did NOT initiate any type of business transaction with this company. I XXXX them and they are a payday lender. I have NEVER requested a payday loan. I did NOT initiate any lending requests or loan applications in XX/XX/XXXX or the months immediately prior. 

The XXXX credit report shows XXXX XXXX XXXX contact info as XXXX XXXX XXXX, XXXX, OH XXXX, phone number as ( XXXX ) XXXX. The credit report shows that this hard pull would remain on my credit report until XX/XX/XXXX. However this is ABSOLUTELY an UNAUTHORIZED hard pull that I did not request.
Product: Vehicle loan or lease

A loan has been taken out in my name by United Auto Credit Co. I didn't approve this loan, I did not give them any details and I did not sign any paperwork. I don't know what this is for and how I have a loan for {$22000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$200.00} ; XXXX XXXX XXXX**** Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX GA XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXe is not putting correct information on credit report they are saying I was late for XXXX and XXXX there are very behind in there reporting I have been late before with account but I have not been late on this account since XX/XX/2019 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$09.00} XXXX XXXX XXXX XXXX Balance Owed : {$3200.00}
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXXXXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX, AL XXXX ; XXXX  XX/XX/2021 ; XXXX XX/XX/2021.
Product: Money transfers

Pay Pall fraudulently returned funds from my account. They never informed about the transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report ACCOUNT NUMBER OPPLOANS XXXXXXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted XXXX XXXX XXXX  and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested several times to REMOVE, REMOVE my credit freeze from my file. I am looking to buy a car and they can pull my file because of the block on my file please remove it at once!!
Product: Credit reporting

XXXX XXXX XXXX reported I had XXXX late payments to them. I have never had an account with them. I paid an auto loan off with XXXX in XX/XX/XXXX. XXXX XXXX finance bought out XXXX in XX/XX/XXXX an are saying they used information from the acquired XXXX account to report late payments. XXXX XXXX XXXX said they would send me information proving the late payments but has not sent me documentation of any kind.
Product: Credit reporting, credit repair services, or other personal consumer reports

RC Willey is reporting late notations on my credit file for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Due to Covid and the unforseen events in my life because of it, I was severely financially impacted. I had a very hard time and was very scraping by on bare necessities. I was surprised to see RC Willey report any lates at this time since under the CARES act creditors were supposed to take leniency on credit reporting because of hardships surround the pandemic. The bureaus specifically stated they expect consumer reporting agencies to make good faith efforts and have leniency. I ask that RC Willey please take leniency on my hardship and remove any XXXX and XXXX lates as a onetime goodwill adjustment.
Product: Checking or savings account

I was notified that a personal checking account was fraudulently opened online with a bank that I have never even heard of. I have never lived at the address they have on file for me which they say they sent debit cards and checks to. I have attached to this a copy of my current lease showing where I currently live. If you check the dates of my lease you will see that I lived at my address long before and after these accounts were opened, abused and closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX  XXXX XXXX charged off an auto loan which became delinquent due to deceptive practices. In XX/XX/XXXX the creditor, XXXX  XXXX XXXX, sent me a 1099-c document of Debt Cancellation/Forgiveness of the account. They have since continued reporting the account as a Charge Off instead of accurately reporting the account as Cancelled/ Forgiven. I have contacted the creditor and the credit bureaus and they each refuse to update the account to reflect accurately as a cancelled/forgiven debt or complete removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 payment indicates 30 day late on credit report. I have filed an extension for XX/XX/2020 due to Natural Disaster and was granted approval. I have ask to have the late removed of credit report. I was also informed During the Natural Disaster the loan company will not be reporting late to credit agency during the Natural Disaster ( Covid19 ). I have talked and confirmed with XXXX and she indicated I was correct it should be appear but it shows on my credit report. Please assist with the removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

names dates an addresses are not correct i have no knowledge of some accounts