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

I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and they all need to be deleted from my credit report. XXXX XXXXXXXX XXXX {$350.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$180.00} XXXX XXXX  XXXX XXXX {$180.00} XXXX XXXXXXXX XXXX {$910.00} XXXX XXXXXXXX {$1700.00} XXXX XXXX XXXX {$26000.00} XXXX XXXXXXXX XXXX {$110.00} XXXX  XXXX {$32.00}
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan with One Main Financial in XXXX. I had an emergency to happen and needed help paying that loan off as well as others. I contacted a debt company ... Credit.org to help with all my debt. I finished paying off everyone by XX/XX/XXXX. I finished the program and my case was closed. I recd a call from One Main a couple of months later saying that I still owed them money. I contacted XXXX and they said that the loan was paid off and to disregard that. I heard from them again in XXXX saying that I owed them more money. I asked to speak with the manager and I told her everything and she said that she will talk with her boss and get back with me. I called several times and she finally answered me and said that I owe interest on loan and that I need to pay it as it will continue to accrue more interest. I told her that wasn't fair as I have paid off the loan the previous year and that I didn't feel I should have to keep paying a loan that never ends. I said that what can I do to get rid of this and she said pay all the interest. That was the purpose of the debt loan company. Now we are in XXXX and the loan continues to accrue interest and it's at XXXX. Sad I can't afford to keep paying for a loan that was agreed upon to be paid off but isn't and it's still accruing interest. No end in sight.
Product: Credit reporting or other personal consumer reports

I am reaching out to formally dispute a credit inquiry that appears on my report, as it was never authorized by me. After reviewing my credit report, I discovered an inquiry on my credit report and I can confirm that I did not give my permission for this company to pull my credit information in any way. This inquiry is unauthorized, and I believe it was made in error or, more concerningly, fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN FIGHTING THIS ACCOUNT SINCE LAST YEAR AND THEY HAVE INNACURATE UNVERIFIED INFORMATION REPORTING TO ALL 3 COMPANIES I HAVE ASKED THEM TO DELETE AND INSTEAD THEY JUST KEEP UPDATING WHEN INFORMATION IS COMPLETELY WRONG. ON XXXX IT SAYS LAST PAYMENT WAS IN XX/XX/2016 BUT YET EXPERIAN SAYS NO GOOD PAYMENTS AND XXXX DOESNT EVEN HAVE ANYTHING. I ASKED THEM TO DELETE THIS ACCOUNT AND INSTEAD THEY JUST KEEP REAGING WITH DIFFERENT INFORMATION. THIS IS WRONG AND INNACURATE AND NEEDS TO BE DELETED. I HAVE ATTACHED PICTURES TO SHOW YOU WHAT THEY KEEP DOING.
Product: Checking or savings account

I had a checking account with J. P Morgan Chase. On XX/XX/2022, Chase closed my checking account due to suspicious activity. I had {$7000.00} in my account before chase closed it. My uncle sent me that amount from different state ( Wisconsin ) using money orders and deposited to my account. All the money orders are cleared and Chase is holding that money {$7000.00}. When I reached out to the bank they said I need to provide money order receipts to get my money back. Apparently, my uncle lost all the money order receipts but he has bank deposit slips which he received after deposited at the chase branch ( copies attached ). He visited to local chase branch multiple times to verify his identity and told them he sent me the money. But the bank did not accept it and they still want me to provide me the money order receipts. I also reached out to XXXX XXXX ( XXXX XXXX ) where money orders are bought from. But they wont provide me the duplicate receipts since Chase already cashed that amount. 

I tried all my best to get my money back but chase will not release my fund until I provide the receipts which I dont have. They said they will keep the fund on the separate account and hold it for 2 years and after that send it to government. I also reached out New York department of finance for help and they redirected me to XXXX with CFPB for resolution ( see attached letter ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact XXXX 's on several occasion ( spanning a 1 year period ) regarding Acct # XXXX. 
The above mentioned account was opened in the name XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX They have send me several corresponded claiming the account was validated & verified however my request for proof of that validation process has been unanswered.
Product: Money transfer, virtual currency, or money service

During my 3rd transfer through moneygram, the finances was taken from my financial institution but was not delivered at the time that was given. I put in a complaint and was told that it would take 30 to 60 days of receiving a refund/or depositing finance in the receivers account, which that long time frame should be unexceptable for and company making money off of the consumer.
Product: Credit card

I was issued XXXX Balance checks from US Bank Platinum for balance transfers for 18 months. I was late with a previous payment and I called and got it resolved with the company. I was assured that it was taken care of and my interest rate was still XXXX. She offered to transfer my additional balances with the XXXX interest rate for 18 months.. They sent the next bill charging interest saying my account was delinquent. I called the day the bill arrived on XX/XX/2015 and the woman said she would not remove the interest rate increase. I closed my account. This company lied to me and tricked me into transferring my balances to a high interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMENITYCAPITALBANK/XXXX, Account # XXXX has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Additionally, I exercise my right to opt out of any and all authorization I the federally PROTECTED consumer may have given COMENITYCAPITALBANK/XXXX whether it be written, unwritten, verbal and nonverbal pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
Product: Money transfer, virtual currency, or money service

there was multiple charges that were on my cash app and i could never figure out the charges on my account, when trying to contact cash app i sometimes wouldnt get a response or the bot they had wouldnt be useful
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I was on the phone with my current auto insurance company, XXXX and that we were working on a new quote for my new car I recently purchased. Came to find that my 6 month policy cost was too high for my budget. I asked why and said I had two violations which I was confused about. Said one on XX/XX/2018 and XX/XX/2018 that it was reported as CLUE. I think this is a mistake because my car was stolen on these two dates however I never reported to the insurance with a claim. I never had my car brought in to check/fix. I got my car back after both dates but never had it fixed. It was not a loss. This doesnt make sense to me. I dont need any additional stress/money on myself. IT was not my fault that my car was stolen on these two dates. The car was recovered and was still drivable. 

Please help me out to fix on this situation so I can get my new insurance policy on my car. 

Thank you.
Product: Credit card

I'm encountering an issue with Capital One 's customer service answering machine for credit card services ( XXXX ). Initially, when prompted to enter the last 4 digits of my credit card number, I enter them accurately. However, the system responds with " What was that? Please enter again, '' indicating that it didn't recognize my input. When I attempt to enter the digits again, the machine doesn't register my keypad inputs altogether. This problem occurs uniquely with Capital One 's system, as other banks ' systems function properly with my phone.
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the following companies and XXXX know that I have seen many unrecognized and unauthorized inquiries into my credit report that I did not do. I have yet to recieve an response from XXXX or the companies regarding my request to remove/investigate these inquiries. The inquiries in question are ; XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX Citi Bank : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX,XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX  score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1800.00XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$1800.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX XXXX : {$5000.00}
Product: Credit card

I reported my Capitalone credit card stolen on XXXX. On XXXX, I had unauthorized charges {$130.00} and $ XXXX XXXX to my new Capitalone credit card number XXXXThe new Capitalone card number was linked to the Capitalone stolen card, which i reported to Capitalone and Capitalone allowed the transaction to go through.Capitalone told me they have no control of linked cards in financial world.I was forced to pay thes
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo auto dealer services has been reporting badly on my credit report with a 90 day late payment for over seven years. They keep updating the accounts so it looks like it just began with no end in site when this account will no longer be on my credit report. The car is paid off had been for 10 years now. The credit reports doesnt even have an end date or reporting for these accounts.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, have been a victim of identity theft. Unauthorized individuals have fraudulently used my personal information without my consent. I am not responsible for any transactions, accounts, or actions taken in my name without my authorization. I am taking all necessary steps to report and resolve this matter with the appropriate authorities and financial institutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month I noticed several accounts on my TransUnion profile that should not be on there. It has been over 30 days since they received my dispute letter. I have attached a copy of the tracking number ( mailed certified via USPS ) thats directly from the USPS website as proof that TransUnion received the dispute letter and when they received it. I also attached a copy of the dispute letter that I mailed. I am demanding that ALL of the unverified accounts be removed IMMEDIATELY. It has been over a month, I have not received a response from TransUnion, and they have not verified the accounts.
Product: Student loan

Navient/XXXX missallocated my payments in a way that I would have to pay them more, they refused to move the money around and told me they could essentially put my money where ever they wanted. I then protested paying them building up interest over time. Also, every time I tried doing income based payments they said they only offered forbearances.
Product: Debt collection

Constantly receiving harrassing phone calls and they are harrassing a relative of mine as well.
Product: Credit reporting or other personal consumer reports

Accordance to 15 USC 1681a ( 2 ) I didnt give written permission to have this fraudulent account reporting on EXPERIAN CONSUMER REPORT.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX I hereby dispute the validity of the alleged debt listed above listed above Entirely. I also request verification of the alleged debt, Specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting immediate deletion of all prior reporting made to any consumer reporting agencies, EXPERIAN, XXXX, XXXX and XXXX. You must Cease Collection efforts until this alleged debt is validated, You must show proof that you legally own this alleged debt and that it is accurate and complete thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these accounts several times with Capital one, the credit bureaus, and with the XXXX, but to no avail. They are reporting false information on my credit report, and it needs to be deleted as soon as possible. Capital One is reporting 3 different dates of last activity, late payments after charge off, late payments after close date - remove immediately. Capital One is in violation by continuing to report these unverified and inaccurate accounts.
Product: Credit reporting or other personal consumer reports

This is my second request disputing inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), and Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ) I am entitled to dispute fraudulent accounts and expect a prompt investigation. During the next XXXX days As a victim of identity theft, I request validation of the following accounts : Creditor : XXXX XXXX, Account Number : XXXX Reason : This account is not mine ; I never received communication from the creditor. Verification proof has not been provided. 

Creditor : XXXX XXXX, Account XXXX : XXXX Reason : This is a fraudulent account. A police report has been filed. 

Other Accounts Reported in FTC Report and Police Report : XXXX XXXX  XXXX, Account Number : XXXXXXXX XXXX Account Number : XXXX This issue has caused significant distress. I have reported it to the FTC, CFPB, and XXXX  for further assistance.
Product: Debt collection

I request your urgent assistance in investigating and eliminating these fraudulent accounts from my credit repoXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX those identity theft has caused significant distress and potential harm to my creditworthiness.
Product: Checking or savings account

Our home bank is JP Morgan Chase, on XX/XX/2018 a withdrawal was being made at a XXXX ATM for {$500.00}, machine malfunctioned and ATM door shut on the money before it was disbursed, we were only able to remove {$40.00} from ruined ATM and ATM wouldn't retract our card leaving in the machine. We tried to go into the branch to solve the issue with the card and money the branch manager said its not her responsibility since a third party handles the ATM and that we should talk to our bank to resolve the issue. Chase bank helped us file a claim and credited our account for {$460.00} the next day and canceled our card that got stuck but we paid to have a replacement sent out. On XX/XX/XXXX while checking our account balance we noticed a - {$460.00} on our account and when we spoke to a chase representative at a branch they said they investigated it and XXXX said that what we are claiming is untrue and the ATM count was correct as per what their third party is saying. I tried to call the fraud department for Chase to see what I can do to resolve the issue representative said what I am claiming is untrue and that XXXX ATM showed no fault codes at the time of incident, and that I can not do anything and that I owe the {$460.00} I asked to speak to investigator or whoever handled the investigation, representative said I can not speak to them. If they were to see the video at the time they would know of the fault or at least investigated the ATM records. Chase said I cant appeal the decision and am stuck paying the {$460.00}.
Product: Consumer Loan

I had a lease with Ally Financial for a 2012 XXXX. The lease payments were made in a timely manner and the vehicle was returned. There was damage and that was paid timely. There arose a dispute about the return of headphones with the vehicle in the amount of {$110.00}. That dispute continued for months with correspondence being exchanged. Eventually it wasnt worth it so the balance was paid. Ally reports now the {$640.00} was charged off, while at the same time saying that the account is paid in full. The charge off is affecting my credit. I have disputed it with XXXX but they have denied it because of Ally. I have contacted Ally who confirms the account is paid in full but they refuse to change the charge off. It is absurd to say they charged it off, the incorrect amount to begin with, and then acknowledge that the acoount has been satisfied.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Charged-Off Account I am writing to formally dispute a charged-off account listed on my credit report. Under the Fair Credit Reporting Act ( 15 USC 1681 ), I have the right to dispute any information that I believe is incorrect. 
The details of the account in question are as follows : - **Creditors Name** : XXXX XXXX - **Account Number** : XXXX - **Reason for Dispute** : The amount reported on this account is incorrect. Under 15 USC 1681a, I am entitled to accurate and complete information in my credit report. The charge-off amount does not reflect the actual balance owed, which constitutes a violation of my rights under the Fair Credit Reporting Act. Additionally, under **15 USC 1681e**, consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. The inaccurate amount reported violates this requirement. Furthermore, under **15 USC 1681s-2**, there are specific obligations for furnishers of information, such as XXXX XXXX, to provide accurate information to credit reporting agencies. If XXXX XXXX failed to provide accurate information, this further strengthens my case for disputing this charged-off account. 

If you are unable to validate the amount within 30 days, I request that this account be removed from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1. The following personal information is incorrect Account Number : Name : XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX XXXX 3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section, which I believe is inaccurate.I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. This item is currently showing inaccurately on my credit report filed with your credit bureau. Account : XXXX XXXX XXXX, and Credit Collections is removed from my XXXX and XXXX credit report but still reporting to XXXX. According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681s-2 That is a violation of my credit rights. Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record.