23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

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 REMOVE THESE INQUIRIES PLEASE
Product: Debt collection

My husband XXXX XXXX and I XXXX XXXX lived at XXXX XXXX XXXX manged by  XXXX  XXXX  in XXXX ok in XXXX XXXX. It was even reported on both our credit reports which has now been deleted but thankfully I pull our credit ever month and have for years. Hunter Warfield sent us a bill in XXXX, 2 years after saying we owe and we do not.. which we have been disputing since, the credit bureaus will not and have not investigated it and Hunter Warfield continues to lie about it.
Product: Debt collection

I have been repeatedly disputing this debt due to fraudulent activity on my credit. I have now recently received XXXX letters in the mail yesterday from Portfolio Recovery Associates stating that they have received my disputes ( several ) in regards to an account opened in 2007, yet will not remove it because THEY say it is my responsibility. They also state in the letters that if any more disputes/inquiries are received that they will be handled as " responded '' and no longer investigated. I have disputes that have been resolved very simply with other companies for the exact same reason. I have filled out affadavits with other agencies and cooperated with information that was requested by them. This is not the case with PRA!
Product: Credit reporting or other personal consumer reports

Credit inquiry was done without my permission. 
Information given was not mine as I did not apply for any loan of any type. 

The companies do XXXX, XXXXXXXX XXXX and XXXX XXXX were given the following persons name phone and address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I paid off a trailer and after multiple phone calls and promises of lien being expedited nothing has been done. Wells Fargo is in violation of XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was disputing US 15 1666. I asked for documents stating that XXXX XXXX mailed the due dates to me 21 days before each due date of XXXX XXXX and XXXX. I was not disputing that I didn't pay the bill on time or didn't pay. I'm disputing that XXXX XXXX violated US 15 1666 by not mailing each due date to me 21 days before each due date of months XXXX XXXX and XXXX. I ask you to re investigate this and if not updated on TransUnion, XXXX and XXXX to paid on time months of XXXX XXXX and XXXX I would like a copy of the statements proofing that I was mailed a statement 21 days before the due dates of months XXXX XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 made payment to XXXX XXXX  for {$140.00} XX/XX/22 made payment to XXXX XXXX  for {$140.00} XX/XX/22 made payment to XXXX XXXX  for {$140.00} XX/XX/22 made payment to XXXX XXXX  for {$280.00} XX/XX/22 made payment to XXXX XXXX  for {$280.00} All payments were made on time but XXXX reported all payments late. I requested the bank to properly report my status but it refused to work with me. I notified the XXXX XXXX XXXX  about this issue and I was overlooked, and was refused for correcting the derogatory report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citi 's website offers a " Credit Limit Increase Request '' that specifically says " A credit bureau report will not be requested ''. I requested the credit increase on the pretense that there would be no inquiry, and they immediately pulled my XXXX  credit report. They will not reverse the inquiry. 

I have timestamped photo evidence that Citi claimed my credit report would not be pulled.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXm honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are XXXX  to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

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
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$2000.00} XX/XX/year> The above listed account was wrongfully reported to my account I do not in fact owe XXXX XXXXXXXX XXXX XXXX XXXXXXXX and would like this removed and deleted from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I called TransUnion to challenge the public record item showing on my credit file with them. The supervisor named XXXX replied stating that the record was verified with XXXX XXXX, but provided me the telephone number XXXX. That was strange to me because that is a XXXX XXXX area code, and to my knowledge we dont have a XXXX here, so I called and indeed it was NOT XXXX, it was the US Bankruptcy Court. So I spoke to someone in the courthouse, and they stated that they do NOT EVER validate or confirm bankruptcies. I have been writing and calling for an update on this item per the FCRA privacy law to no avail. Per FCRA section 609/a/1/a, the credit bureau must provide physical verification from the original consumer, as I've requested time and time again, if they can not this item must be eradicated as it is a violation.
Product: Credit reporting

There is incorrect address reported on my list of home addresses. I never lived at XXXX XXXX XXXX, XXXX, AL. XXXX
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. ONLINE IN SV account is mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX and XXXX Credit Bureaus are willfully in violation of FCRA and condoning illegal behavior, remove this collection account immediately.
Product: Debt collection

XXXX XXXX XXXX XXXX ( 15 minutes ago ) to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 


Subject : Request for Immediate Removal of Accounts Due to Lack of Verification Dear XXXX, I am writing to formally dispute the following accounts listed on my credit report, as I have not received any documentation or proof of verification for these accounts. Under the Section 609 Fair Credit Reporting Act ( FCRA ), I am entitled to request such documentation, and the absence of it necessitates the immediate removal of these accounts from my report. 


Accounts in Dispute : 1. Credence Resource Management Account Number : XXXX Amount : {$590.00} Date Opened : XX/XX/XXXX I have made several attempts to obtain proof of verification, but no documentation has been provided. Therefore, I request that you remove these accounts from my credit report within 7 days of receiving this letter. 


Please consider this letter as my official request for the removal of the disputed accounts due to the lack of substantiating documentation. I appreciate your prompt attention to this matter and look forward to your immediate response. 


Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I was unable to make a few payments on- time to capital one due to being unemployed and having a financial hardship at the time. I contacted Capital One with a Goodwill letter to remove the late payments and they were not willing to change the status. I have been a loyal customer to Capital One since 2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

Numerous reports of delinquencies on my credit report for my XXXX XXXX XXXX lease through XXXX  finance. XXXX did an investigation and identified they made mistakes and reversed the 6 months delinquent reporting. Now, two months later the delinquent reporting has come back with new dates reporting XXXX and XX/XX/XXXX past due XXXX days. 

Calls to XXXX confirm no balance is or has been past due. 

My credit report is severely tarnished once again and has caused tremendous issues with bank loans and home refinance. 

XXXX has been extremely difficult to work with. Im unable to get phone support and agents once again say there isnt a problem. My credit report says otherwise. This has been ongoing over XXXX year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against Equifax for various violations related to my consumer report. Despite my many attempts to rectify the situation, the agency has continually put a non-mailable address on my report from an unknown source. The agency has also deleted information off my report, but yet send correspondence with the wrong name. I have sent verification multiple times of the correct name, but the agency has not updated my report accordingly. 
Furthermore, the agency has furnished inaccurate information multiple times, which has violated the Privacy Act of 1974. Due to this inaccurate information, other companies are not able to pull my consumer report based on their database. I have tried to resolve this issue with the agency, but they have not taken any action to correct their mistakes. 
I believe that these violations have caused me significant harm, including damage to my credit score and difficulty in obtaining credit and other financial services. I have also suffered emotional distress and frustration due to the agency 's lack of response to my requests for correction of my report. These events has caused me to take legal action against the consumer reporting agency. 
I respectfully request that the Consumer Financial Protection Bureau investigate these violations and take appropriate action against the consumer reporting agency. Thank you for your time and attention to this matter.
Product: Checking or savings account

On XX/XX/XXXXXXXX XXXX XXXX XXXX  ), Chase bank authorized a payment from XXXX with the amount of XXXX. I then disputed the charged through Chase because this charge was unknown to me. Chase sent a temporary provisional credit of the same amount a few days after. They sent this credit and started the claim on XX/XX/XXXX. Chase Bank then disputed the transaction and voided these tickets on my XXXX account. Im assuming that this bank contacted the merchant and was able to cancel the tickets. I thought everything was going right. Suddenly on XX/XX/XXXXXXXX  Chase Bank reversed the claim and then took the {$490.00} credit which was supposed to go back to me but was taken away from me once again not from the merchant but from the bank. I am now at a loss with XXXX because they said the financial institution ( which is Chase in this case ) had disputed the transaction and now they have told me to contact Chase to get the money back. Also XXXX had said they sent me a refund on XX/XX/XXXX but was never sent anything, nothing on my bank statement states that there was any money refunded back to me. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit report that are not mine, I know that there was a data breach and my personal information was compromised. I have a whole list of inquires that were made by an unknown source. These inquires were not made by me. I am a victim and it has truly hurt my credit score. 

I have provided the list of inquiries that were not mad by me. 

XXXX XXXX XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX- XX/XX/XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX/XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, 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. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 by more than seven years.

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 card or prepaid card

My card details were stolen and used fraudulently on XXXX XXXX & XXXX XXXX. I called, we jointly identified 3 fraudulent transactions and a case was opened. 
On XX/XX/XXXX I called the credit card co bc several legitimate transactions had been charged back for a period of several months. They assured me these would be corrected. 
On XX/XX/XXXX I called again to let them know 2 chargebacks had not been corrected. I paid these bills with the companies concerned for a second time - one was XXXX and I did not want to be without coverage and the other was a medical bill I did not want sent to collections. 
On XX/XX/XXXX I was told by the credit card company that the chargebacks were being corrected and there was possibly a delay with funds being sent from Mastercard which could take up to 2 billing cycles to arrive. I was refunded {$25.00} to my account to cover a chargeback fee applied by the medical billing company. 
In XXXX, XXXX received the reimbursement and sent me a check for the duplicate payment. This left only the medical bill to be resolved. On XX/XX/XXXX I received a letter from Barclays stating that my case was now with a dispute specialist, and that a temporary credit would be placed on my account while it was in dispute. I have never received the temporary credit. 
On XX/XX/XXXX Barclays wrote again stating that they had contacted the medical company and were awaiting a response. They again said a provisional credit was placed on my account. I still have not seen the credit. 
On XX/XX/XXXX I wrote again to Barclays, confirming that I had not received the credit and also reiterating that the original bill was not in dispute. They billed, I paid, Barclays incorrectly charged back, they did not reimburse, I was rebilled, I paid, I have not been reimbursed. As of XX/XX/XXXX, the medical company has not received a correction to the chargeback. I have provided Barclays with the medical bills, and a statement covering the period in question. This incident is now over one year old. Phone calls get me absolutely nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan with XXXX XXXX XXXX XXXXXXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the Credit Bureau with no successful resolution. There was definitely an error on their part. 

XXXXXXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

It was a XXXX XXXX XXXX on XXXX and XXXX who initiated the opening of the account for Sun Trust. I thought with credentials, reputation I could trust him. He has all of my information Social security number, ID, address, work address, this person has all of my information. I was the one to find it strange and contacted Sun Trust bank and investigation report number they gave me XXXX XX/XX/2019. It was odd for me. Sun Trust was no where near NY. I asked this XXXX XXXX XXXX XXXX XXXX if you see issues going on and you know the situation why have you not contacted authorities to report what you initially started. If you are being monitored and hacked then why not report the issue if you are under investigation. I got no response
Product: Debt collection

Letters threatening to sue on a fraudulent debt alleging I owe a XXXX year old credit card debt from an original creditor ( XXXX XXXX Bank ). I 've never had an account with this company. The debt is time barred.
Product: Vehicle loan or lease

I was charged an extra {$670.00} as XXXX of the automatic monthly payments from Kia Motor Finance America. I am expecting a refund of the said amount charged to my bank account on XX/XX/2022 after my car loan was paid off on XX/XX/2022. I reached out to Kia Motor Finance America at least XXXX times since then, filed several complaints, left a dozen voicemails and have still not received the said amount. I request you to please help me get my refund. 
Please let me know if you may require any additional information regarding this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries on my recent credit report with the same date of XX/XX/2022 that I didn't authorize to obtain my credit report. Those below items are still reflecting : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I've also called several times in regards.
Product: Checking or savings account

I am writing to file a complain against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balance despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an inaccurate debt that is not mine on 4 different occassions with L.J.Ross for $ XXXX.I have neverdonr any business with the company that L.J.Ross is representing.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding an inaccurate bankruptcy entry on my credit bureau report. Despite never having filed for bankruptcy, this entry is negatively impacting my creditworthiness and financial opportunities. 

Thank you for your attention to this issue. 

Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

I have contacted XXXX  several times in reference to my balance not being reported correctly to the CRA I am demanding my balance be updated to XXXX as this account has been paid in full
Product: Credit card

My credit card is being charged {$9.00} every month by XXXX. I need this to stop. I replaced the card and reported fraud, but Chase continues to approve the recurring transactions. I have disputed some of these charges, but Chase is still allowing future transactions. This is frustrating. I have spoken to customer care several times, but they say they can not do anything.
Product: Debt collection

I am disputing account number XXXXXXXX with XXXX XXXX XXXX for an amount of {$1900.00} because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted XXXX XXXX XXXX to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.