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

I am writing to formally request the removal of inaccurate information from my credit report. Despite my numerous attempts to resolve these issues, the following accounts remain incorrectly reported : This is my attempt to have these inaccuracies corrected. The persistence of these errors is causing significant harm to my credit score and overall financial health. I have provided all necessary documentation and have complied with every request for information in my previous disputes. Enclosed, you will find copies of my previous correspondence, dispute resolutions, and any supporting documentation related to this matter. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to have these inaccuracies investigated and corrected promptly. I request that you could help me immediately remove the above-mentioned inaccuracies from my credit report and provide written confirmation of the removal of these items.These are the following accounts i want to be removed immediately : XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 
XXXX. XXXX XXXX XXXX XXXX : {$0.00} - I see things XXXX be inaccurate. XXXX looking at the account name, opening date, and high balance. I believe this information XXXX be inaccurate. XXXX removal of this item is necessary. 
XXXX. XXXX XXXX XXXX XXXX : {$0.00} - I see things XXXX be inaccurate. XXXX looking at the account name, opening date, and account status. I believe this information XXXX be inaccurate. I need this deleted now. 
XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information XXXX be inaccurate. I need this removed now. 

XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - XXXX believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please fix it immediately. 

XXXX. XXXX XXXX XXXX XXXX XXXX : {$0.00} - The payment history and status are inaccurate. According to FCRA 's Compliance/Obsolescence date determines when the XXXX reporting period begins for accounts that have been charged-off or placed for collection. Please delete this account immediately. 

XXXX. XXXX XXXX XXXX XXXX : {$200.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XXXX  XX/XX/2021 XXXXT XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 These are all the company names and dispute dates. I called the companies that are reporting these inquiries and nothing has been done. They are still on my account and I also dont have anything connecting myself to these inquiries. 

Its reporting on all 3 of the credit bureaus
Product: Debt collection

I paid the debt in full through XXXX XXXX XXXX to XXXX XXXX on XX/XX/XXXX. Velo law group is now asking for more money, and the earliest dated material I see from their documentation is XX/XX/XXXX. 
I have all the documentation available to prove this was paid in full
Product: Debt collection

This company keeps calling my phone using a auto-dialer which is against federal law and when you pick up they hang up. This has happened numerous times, and I have record that these people keep calling. I am tired of the harassment and repeated calls from auto-dialer with this company. When you call back, they always say its a mechanical issue.
Product: Payday loan, title loan, personal loan, or advance loan

We purchased a XXXX  XXXX XXXX from XXXXXXXX XXXX XXXXXXXX. A negotiated price was agreed to, and we decided to purchase the vehicle. In our sit down with the finance representative. 

The finance representative proceeded to add additional charges as follows : He added a " {$3000.00} - XXXX XXXX miles service plan '', as mandatory/required. In addition to a " {$1200.00} Maintenance VIP Membership Plan '', as mandatory/required ''. And a " {$1000.00} " Dept Cancellation Agreement '', also as mandatory/required. A total of {$5200.00}. His misleading double talk manipulated the process throughout. 

The following day I contacted several other dealerships to research. Within 24 hours I discovered the above charges were in fact " Optional '', and not mandatory/required as stated by the XXXX of Toyota finance representative. I Toyota XXXX XXXXXXXX and demanded the unauthorized charges be removed immediately. They refused, stating our request had to be in writing. Then they later informed me that they had removed all the additional charges. But they never provided proof after multiple request.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF ID THEFT, THOSE ACCOUNT WERE NOT OPEN BY ME OR AUTHORIZED BY ME XXXX XXXX  Opened by the Thief, Company or Organization : XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$430.00} XXXX XXXX  Opened by the Thief Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$350.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i keep getting inquiries from this company after telling them over and over again there was no way i would make a inquiry 5 times back to back they finally send me a letter telling me they are concerned someone may be using my personal information.thats what ive been telling them for months
Product: Checking or savings account

I received a 1099-INT form from PNCBank, National Association XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XX/XX/2023. It contained personal information of name, address, taxpayer ID, an account number and an amount of interest. Since I had no idea why I received this I made multiple attempts contacting PNC for months trying to find out why they sent this 1099-Int to me. Ultimately transferred to the VP of Executive Client Relations, XXXX XXXX ( P ) XXXX had no idea why and vowed to research until resolved -still no response back. On XX/XX/2023 XXXX XXXX ( P ) XXXX from PNC called me and said they were from a Certificate of Deposit under the business name of XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I asked for more information/ clarification and was told they could not tell me any other information and he stated he could not put that in an email as I requested. I have not personally acquired any CD 's so I am still at a loss of why this " CD '' has my name attached. Please help me to determine what this is all about.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX never gave the credit bureaus any verbal or written consent to report the following items on my consumer report. Reporting information without the written instructions of the consumer to whom it relates is Identity Theft.You also do not have any permissible purpose to furnish my personal information to any third party. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX Balance Owed : {$31000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$47000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1700.00} - XXXX XXXX XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Vehicle loan or lease

I traded in a car and paid cash to purchase another car from Carvana on XX/XX/2019. The trade in has an outstanding loan. Carvana has not paid off the loan. I have utilized Carvana 's online chat and called multiple times. I am continuing to be charged interest on a loan for a car I do not own, and continue to make payments.
Product: Debt collection

XX/XX/2023 Bull City Financial attached a {$380.00} open balance to my credit consumer report. XX/XX/2023 it was reported again. This is not my debt, one reason I haven't had electricity in my name for over 2 years, since living with my girlfriend.
Product: Debt collection

To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I don't believe the information to be accurate. XXXX Please remove the following inaccurate address from my credit report : XXXX IL, XXXX XXXX XXXX XXXX # XXXX You did not con XXXX XXXX XXXX # XXXX According to the FCRA, accounts that have been disputed by the consumer must be notated as such. Your failure to investigate this account, and notate it as such, is a violation of the Fair Credit Reporting Act. Please remove immediately.

15 U.S.C. 1681 is a section of the Fair Credit Reporting Act ( FCRA ) that establishes the purpose and congressional findings of the act. The FCRA governs how consumer credit reports are accessed, and it aims to protect the accuracy, fairness, and privacy of personal information
Product: Credit card or prepaid card

I have a Capital One Venture card and have been saving up my travel miles to book hotels and flights through Capital One travel. I booked a 3-night hotel stay at the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Confirmation : XXXX ) for 3 nights. Unfortunately my XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX and as a precaution I contacted Capital One Travel to cancel. I cancelled 48 hours prior to our trip and XXXX at Capital One and he told me that he couldn't cancel but if the hotel approves it they would issue a complete refund. I spoke with a lady named XXXX at the XXXX who approved the cancellation. I called Capital One back and spoke with XXXX and his supervisor XXXX who confirmed that since the Hotel approved it Capital One would be able to apply for my refund. They told me they would call me back but if I didn't hear from them to call back in 2 days. I never heard back within 2 days so I called back and spoke with XXXX who said the refund was still pending and to call back in 2 days. I called back and spoke with XXXX XXXX said the same ). Called back in 2 days and spoke with XXXX XXXX said the same ). Then called back in 2 days and asked to speak with a supervisor named XXXX who said the refund was denied. I asked why it was denied, she said its because the Hotel never approved it. I told them they approved it on my first call close to 2 weeks ago. After 1 hour waiting on the phone they said they had to file another claim for approval after speaking with the Hotel again. Meanwhile, although I cancelled within my time frame because of due diligence to prevent anyone XXXX XXXX I still have yet to be refunded. Capital One Travel is not practicing proper ethics. They advertise that they handle bookings when they are at the mercy of a third party agency. If you're planning on traveling or booking DO NOT USE CAPITAL ONE TRAVEL. In the event you need to cancel due to an emergency you will not receive customer support or a refund.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding inaccurate information reported on my TransUnion credit report. Despite my repeated efforts to dispute these inaccuracies directly with TransUnion, no action has been taken to address my concerns or provide proof of an investigation. 

Accounts in Question : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  ( installment account ) XXXX XXXX ( revolving account ) XXXX XXXX XXXX XXXX Actions Taken : XXXX. XX/XX/2024 : I sent my first written dispute letter to TransUnion, requesting an investigation into the above accounts. I clearly outlined that the information being reported is inaccurate and requested : Proof that an investigation was conducted.

Verification and documentation proving the accuracy of the reported information. 
A deletion of the accounts if verification could not be provided. 
XXXX. XX/XX/2024 : I sent a follow-up dispute letter reiterating my request for a reinvestigation, verification, and correction or deletion of the disputed accounts. I also restated my demand for proof that the reported information was accurate and properly verified. 

TransUnions Lack of Response : To date, TransUnion has not provided any documentation or correspondence to confirm that an investigation or reinvestigation was conducted. Additionally, I have not received proof that the reported information is accurate, as required under the Fair Credit Reporting Act ( FCRA ). This lack of action and communication violates my rights as a consumer and has caused undue stress and harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

whom it may Concern, I recently received a copy of my credit report and found that you illegally reporting inaccurate, noncompliant, and false information about me. The Following alleged account is listed as a collection with a PAST DUE BALANCE, Account Name : XXXX XXXX Account # XXXX PAST DUE BALANCE OF {$6200.00} ( Account in Collection/Charge off please delete ) Account Name : XXXXXXXX XXXX Account # XXXX PAST DUE BALANCE OF $ {$1100.00} ( Account in Collection/Charge off please delete ) Account Name : XXXX  Account : XXXX PAST DUE BALANCE : {$1100.00} ( Account in Collection/Charge off please delete ) This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANNCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with by certified mail. 


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

There was an error on my credit report due to a past divorce. Disputes were opened with all 3 credit bureaus on XX/XX/2019. 

On XX/XX/XXXX I received notification that the dispute was completed and attempted to access via the online portal. Error messages were present that the " Service was unavailable ''. I attempted to access on XX/XX/XXXX and got the same result so I called their customer service line. 

I was told by the customer service rep that the dispute was not completed but canceled due to the documents not being present. I uploaded the document via their web page, and they have subsequently lost them. These documents contain large amounts of PII for both myself, my child and my ex wife. When I asked to have the documents tracked down and verified where they went I was told that they do not have a security division or cybersecurity department. 

They then informed me that the dispute wasn't opened as a dispute and was not completed, despite getting emails saying the dispute was completed. 

Overall I have deep concerns about the security of my documents and the lack of care to correct my credit report. 

I can provide a call recording of the interaction if requested
Product: Credit reporting, credit repair services, or other personal consumer reports

unknown negative account : XXXX XXXX XXXX, XXXX, XXXX {$310.00} unknown hard inquiriy from XXXX XXXX XXXX XXXXXX/XX/2021 I have received a letter from XXXX XXXX XXXX stating that they determined that i am not responsible for the disputed account or hard inquiry with their company! They stated that they sent notification to the consumer reporting agencies to remove this negative account and inquiry from my credit report, but it is still being reflected! i also had unknown addresses appearing on my credit report.. they are XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Il XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ia XXXX unknown phone number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND A ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ALWAYS BEEN VERY CAREFUL WHEN IT COMES TO MY CREDIT BECAUSE I KNOW HOW IMPORTANT IT IS TO HAVE GOOD CREDIT. I AM WITHOUT A DOUBT THAT THIS SITUATION IS FRAUD RELATED BECAUSE I AM CERTAIN THAT THE ACCOUNT AND INQUIRY BEING DISPUTED DOES NOT BELONG TO ME. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.
Product: Credit card or prepaid card

I accordance of the Fair Credit Act this creditor, XXXX XXXX Bank XXXX XXXX XXXX Account # XXXX has violated my rights under 15 USC section 602, states I have the rights to privacy. 15 USC 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 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, credit repair services, or other personal consumer reports

On XX/XX/2020, I mailed a dispute to TransUnion with a certified receipt. My dispute was for the inaccuracy of two Chapter XXXX listings under Public Records of my credit report. Enclosed with the dispute letter was a letter from the US courts verifying that the courts do not provide any information to Credit reporting agencies. I also sent the same dispute to XXXX. TransUnion completed their report on XX/XX/2020 with a result of finding the Chapter XXXX information to be accurate and recommended disputing my inaccurate information with the third-party vendor, XXXX, whom furnished the information to TransUnion. XXXX completed the same dispute on XX/XX/2020 and stated that the information could not be verified in the timeframe oulined by the Fair Credit Reporting Act and subsequently removed both chapter XXXX filings from my XXXX report. I filed another dispute with TransUnion, sent by certified mail on XX/XX/2020 for reinvestigation of the the inaccuracy of information of the chapter XXXX listings on my credit report. Enclosed with the dispute letter sent to TransUnion were my XXXX response and the letter sent to me from the US Courts stating that the courts do not provide information to credit reporting agencies. TransUnion completed the XX/XX/XXXX dispute on XX/XX/2020 stating that the information was accurate and will remain on my credit report. On XX/XX/2020, I called TransUnion and verified with their Dispute Supervisor that the documents that I mailed, the US Courts letter and the XXXX report were received. The Dispute Supervisor read both documents to me. The Supervisor stated that TransUnion will have to have the courts send them a letter stating that both filing of Chapter XXXX were discharged. The Supervisor read the letter from the US Courts stating that they do not provide information to credit reporting agencies, but insisted on refusing to remove the information from my credit report. TransUnion refusal to remove the inaccurate information on my credit report is clearly a violation of both the Federal Trade Commission and Fair Credit Reporting Act. Please assist me in having TransUnion remove the inaccurate information in accordance with the Federal Trade Commission and Fair Credit Reporting Act.
Product: Mortgage

XXXX XXXX XXXX Loan Number XXXX was paid off on XX/XX/20 and then was transferred to newrez Loan XXXX for servicing, and then newrez ( who does not have my auth to auto debit from my account ) processed a debit {$580.00} to pay on a loan that has already been paid off. I contacted them and was basically laughed at and made to feel like I was at fault. This is criminal and NewRez gave me the runaround and told me it was legal and that they would continue to debit my account. even though I have proof the house was sold and loan was paid in full.
Product: Debt collection

THIS COMPANY IS REPORTING INFOR MATION ON MY CREDIT REPORT AND IS THE WRONG SOICAL SECURITY NUMBER AND WRONG NAME I ASKED THAT THEY REMOVE THIS WRONG INFORMATION AND THEY SAID THEY WOULD NOT DATES XX/XX/2020 COMPANY PENN CREDIT CORP # COLLECTIONS XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of a fraudulent account on my credit report. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I request the immediate removal of the following information.

This account was opened fraudulently and does not belong to me. I have not authorized this account, nor have I ever had any dealings with this creditor. To support my claim, I have enclosed a copy of an Identity Theft Report that I filed with the Federal Trade Commission ( FTC ) [ or a police report ], which verifies that I am a victim of identity theft.

Under Section 605B of the FCRA, you are required to block the reporting of this fraudulent information from my credit file within four business days of receiving this notice. I expect you to fulfill this legal obligation promptly and to notify me once the account has been removed.
Product: Checking or savings account

On XX/XX/year>, XXXX exact transactions of the same amount were transfered from my checking account to a bank in XXXX. I called wells fargo that day to report the claim, canceled my card and they still authorized the money transfers XXXX days later, even through the card was deactivated. I Contacted wells fargo a month later and they denied the claim. I did not authorize these transfers, my debit card information was stolen off a website we assume. Wells Fargo claims I authorized these but its very obvious that it was fraud to the account.
Product: Credit card

I received an alert from XXXX and XXXX credit reporting agencies that a new card was open on my name and social with a previous address. I want it closed. it is fraud. 

Wellsfargo credit card