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

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error : n accordance with the Fair Credit Reporting act 1. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. XXXX Account Number : XXXX Please remove it from my credit report. 

3. XXXX Account Number : XXXX Please remove it from my credit report. 

4. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

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 please remove or Delete from my report By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter.
Product: Vehicle loan or lease

I entered into a consumer credit transaction on XX/XX/22 with Navy Federal and they failed to disclose my right to rescind under the Truth In Lending Act. The following attachment is all that they provided me with and I sent them a letter making them aware of the violations which is also attached. 

Pursuant to 15 USC 1635 ( a ), in the case of any consumer credit transaction in which a security interest is or will be retained, the obligor is both authorized and required to have the right to rescind the transaction. They are also required to provide those forms so that I can exercise that right. They have not.

Navy Federal can not try and deny that they don't have this responsibility because they are required to adhere to the Truth In Lending requirements.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment regarding the unresolved issue of fraudulent items on my account. Despite my initial attempts to rectify this matter, I find it necessary to address it once again. 

Since then, I have diligently followed up on multiple occasions, providing additional evidence and emphasizing the urgency of the situation. Despite my efforts and the assurances I have received, the fraudulent items persist, causing me significant stress and financial hardship. 

The failure to address this issue in a timely manner reflects poorly on your company 's integrity and commitment to customer satisfaction. I have cooperated fully and provided all necessary information, yet the problem remains unresolved, eroding my trust in your organization. 

I demand immediate and decisive action to rectify this situation. I insist that the fraudulent charges be promptly removed from my account, and any associated fees or penalties resulting from this oversight be waived without delay. Furthermore, I expect a formal apology for the inconvenience, frustration, and financial harm caused by this negligence. With this, I am asking for your assistance to remove these fraud items in my credit file:XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} ; ; XXXX  XXXX XXXX Balance : {$450.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$640.00} ; XXXX XXXXXX/XX/2022 ; XXXX XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my reports and noticed Equifax were in violation of my rights as a federally protected consumer. 

On XX/XX/XXXX, I sent them certified mail with the tracking number being ( XXXX ) which was received XXXX XXXX XXXX letting them know that I had not given them consent to furnish any information pursuant to 15 U.S.C 1681b ( a ) ( 2 ) which is also Aggravated identity theft pursuant to 18 U.S.C. 1028A.

These accounts reporting on my file has caused me pain for years, from sleeping in cars, not having the proper transportation for me and my child and plenty more.

As a Credit Reporting Agency this business shall operate under all federal laws which they are not doing and again means they are violating my rights as a federally protected consumer.
Product: Debt collection

This is the information that I requested from Portfolio Recovery! 

CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. cc Federal Trade Commission I have not received non of the information I requested. 

I did not receive this information!
Product: Mortgage

Chase is foreclosing on a XXXX mortgage with a sale date yet as far as I knew they accepted a payment for a reduced loan balance and it was paid off. I called several times was told they didnt service my loan which they dont but they never mentioned that they were foreclosing on the XXXX mortgage. I never received ANY PAPERWORK TO DO A MODIFICATION OR WORK OUT ANYTHING BESIDES THE PAYMENT REDUCTION WHICH I HAVE COPIES OF
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested an investigation ( sent XXXX and XXXX XXXX ) - IGNORED/NO RESPONSE. I then requested a re-investigation after multiple accounts included in initial letter were not acknowledged by Equifax through my online account ( sent XX/XX/XXXX and XXXX. XX/XX/XXXX ) - IGNORED/NO RESPONSE. The 2nd letter involved account showing multiple inconsistencies. 3rd letter sent is a demand for deletion of account due to the obvious ignoring of my dispute letters of said account as a consumer of which I was entitled to under the Fair Reporting Act. It is obvious an accurate investigation or even acknowledgement of dispute letters were even done! 3rd letter also demands deletion of account due to account inconsistencies still showing on a CHARGED OFF ACCOUNT NOW SHOWING THE ACCOUNT BEING OPEN!!!! It is obvious Equifax did not verify nor did they investigate this account with the debt collector! Charged off accounts can not be " re-opened '!!! Since the beginning of the dispute process Equifax has not done due diligence... .they have now taken it upon themselves to change the status of this account from charged off to open! Update as of XX/XX/XXXX : Equifax has now turned it back on XXXX  and stated that XXXX  has verified the account and that I need to send in more documentation that the account information I sent in is accurate??? ( I have already sent 8 pages )! THIS IS ABSOLUTELY INSANE! Who is protecting us as consumers?! Not Only have they listed the account as Charged Off TWICE in 2 separate years ... .they have now re-listed as of XXXX the account as OPEN when the account was included in a BANKRUPTCY! ILLEGAL ILLEGAL ILLEGAL!! I smell a lawsuit in the very near future, someone better take care of this mess and real quick!! On this premise alone the account must be delete ... .not corrected, not adjusted, no new information added ... NOTHING BUT DELETED!! It is doing irreparable harm to my credit!
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

did not attempt to rectify problem for customer would not even investigate
Product: Credit card

In XXXX XXXX I paid off the CC for XXXX and verbally requested Catherine 's CC which is owned by Comenity be closed. At which time I was informed it would be done. My mail is being forwarded and I am in the process of relocating. In XXXX, I opened a bill to find that I had accrued late fees, interest charges on {$3.00}. When I closed the account in XXXX, I had a XXXX balance. When I called the company, I was informed that I could not actually close the account with a balance and the balance was a carry forward for the time between the bill cycle and when I paid it off. However, when I spoke to the CSR in XXXX, I was told it was a {$0.00} balance and closed. I was not notified that my account could not be closed because of a balance. In XXXX when I called to find out why I was still receiving bills, it was explained to me that my account was not closed as requested because of the {$3.00} and interest and late charges were being applied. I requested that all be credited and again I was informed no problem. After that was completed, I asked the CSR to close the account. As of XX/XX/XXXX, my account was closed. It is now XX/XX/XXXX and I am right back where I started in XX/XX/XXXX but with a closed account and an accruing balance. I called and spoke with both a CSR and Supervisor and was told that because the account is closed, they can't reverse the charges. My question is how can a CC have past due, late, and interest charges when it was {$0.00} by Comenity Bank and closed? In XXXX I was told that an account can't be closed if it has a balance. So we have a contradiction here. 1 ) It was either closed with a XXXX balance, 2 ) I was lied to the first time and it should have been closed in XXXX of XXXX because it can be closed with a balance, 3 ) The charges can be reversed on a closed account. Someone is not telling the whole truth. When I call the Comenity bank number the automated reply gives a XXXX balance, XXXX. Again, a discrepancy in the system.
Product: Money transfer, virtual currency, or money service

In selling my property XXXX XXXX XXXX XXXX, Hawaii XXXX. The seller had to pay both agents commissions which were set at 2 % commission. The time that it went into the escrow account. I noticed that their commission was taken off from the top which was not the actual correct price that the seller was getting because they added the credit back to the buyer of XXXX. I went over this with the seller 's agent and they made an amendment but when it came to the buyer 's agent their answer was no. Who I am disputing. XXXX XXXXXXXX XXXX XXXX XXXXXXXX at XXXX ( XXXX ). XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Hawaii XXXX.
Product: Credit card or prepaid card

Contract with XXXX Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No.- XXXX, Having paid the Fee for the Month On XX/XX/XXXX, Valued at {$400000.00}. XXXX Citibank XXXX Arbitrarily Performs XXXX ( XXXX ) Additional Unauthorized Payment Operations of the Monthly Fee of the Credit Card, The First Operation Is Performed On XX/XX/XXXX, Payment Reference XXXX. For a value of {$11000.00}. More The Second Operation It is carried out On XX/XX/XXXX, Reference Payment XXXX. For a value of {$390000.00}. For A Total of Unauthorized Payment Operations for a value of {$400000.00}. Generating Double Payment in the month of XX/XX/XXXX, XXXX Citibank XXXX must Return the Withdrawn Resource with Automatic Debit Arbitrarily from Current Account No.- XXXX. The XXXX Extract is sent as proof where the payment of {$400000.00} is observed. and the XXXX additional payments Unauthorized operations in the amount of {$400000.00}.
Product: Credit reporting or other personal consumer reports

This is my OTHER 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, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX.
Product: Money transfer, virtual currency, or money service

XXXX transaction for a product and the product was never received. 

I have a ton of back and forth messages with the person who would be selling me a bat through XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX XXXX Account NumbeXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date XXXX XXXX : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a collections account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$2400.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of 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

Account # XXXX I noticed you are preparing and reporting a false consumer report about me which defames my character and general reputation with the intention of extorting money out of me. I do not recall giving your my written permission and consent to do this. If i did such thing may you please provide me with it immediately Also, it is an inconvenience to me when your company contacts me, or communicates with me through any medium other than the CFPB. I refuse to pay this alleged debt!! Please CEASE & DESIST all further communications with me, my family, my friends and employers; relating to anything in regards to me. IF you wish to communicate with me and me only please do so ONLY through the CFPB. 

I am aware that the documents you are going to provide is NOT verification of the alleged debt. 
verification of a debt is not an account statement or any of the documents you are going to provide. 
If you wish to validate the alleged debt I would like to see the actual accounting ledger which shows the source of funds being loaned out. A XXXX daily transaction log AND a binding contract between XXXX XXXX XXXX & I. 

If your company can not provide this, then the debt can not be validated and you are legally required to delete the accounts from my consumer report. 

Also, could you please show me where a contract says that I agreed for non public personal information and/or transactions to be furnished on my consumer report? I would also like to see that you guys provided me with an option to Opt-out from such reporting. delete the account from my consumer report because it is false misleading inaccurate and is defaming my character and reputation causing me not to be able to obtain future credit because of such false reporting. Your company actions are unfair to me and deceptive... if you can not show the required verification, you are legally required to delete the account from my consumer report. 

I am only giving your company 7 DAYS to complete such request. notice is considered given upon receipt of this email. 

please provide me with all the above documents/information I asked for so that I am able to verify that the debt is accurate, if you can not provide such please delete the accounts from my consumer reports immediately. I also would like to see that i gave you my permission/consent in your initial communication with me ( because you do not have the initial communication as required by law ) that you were able to prepare a report of my consumer character and report on my consumer credit report. If you can not provide the same then you are in violation of the FDCPA and are liable to me for my harm and actual and statutory damages. 
in the event that we can not come to an agreement, I will pursue this matter with arbitration or counsel. 

**Please Note that I have forwarded your company and I responses to the CFPB, attorney general and comptroller of currency** YOUR COMPANY HAS 7 DAYS TO COMPLETE SUCH REQUEST OTHERWISE I WILL FURTHER THIS MATTER IN COURT AND/OR ARBITRATION.
Product: Checking or savings account

I am writing to formally address an unauthorized transaction that occurred on my debit card on XX/XX/XXXX, amounting to {$1700.00} at XXXX. This transaction was not authorized by me, and despite my efforts to rectify the situation, Chase has declined to refund the amount.

It is crucial to emphasize that I was not in possession of my debit card or cellular phone at the time of the purchase ; both were only retrieved at a later date. Despite this, Chase has asserted that I authorized the transaction under the premise of a " counter purchase. '' I want to unequivocally state that I did not authorize the use of my card for this purchase, nor have I ever engaged in a transaction of similar magnitude or nature before.

Given these circumstances, the burden of proof lies with
Chase to demonstrate that I, XXXX XXXX, authorized this purchase, which I did not. Therefore, I demand that my money be refunded in full without further delay.

I expect prompt action to resolve this matter and anticipate a satisfactory resolution at the earliest convenience.
Product: Credit reporting

To whom it may concern my name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX mailing address : XXXX XXXX XXXX XXXX, LA XXXX SSN XXXX last year i 'd opened Capital One credit card with {$300.00} credit line, i 've have n't got the bill statement in XXXX3 months, then my house got flood in XXXX 2016, a month later they contact me and told me that i was late XXXX my bill, i 'd told them that i 'd never got the bill statement from them, how could i make a payment, they told me just pay over the phone, i said i had to see the paper statement what they charge on the bill is correct or not, finally they sent me the bill statement with the amount more than {$300.00}, after fighting with them about something wrong in the statement, i had to pay them off, and closed my account. 
lately i found out that they report to the credit report bureau that i was late on my payment. That 's absolutely not right, they 'd played game on me, how did i ruins my credit score with just a credit line {$300.00}? i tried to contact them to dispute this issue, they said they did n't know about this. 
i would like you to help me to clear this problem, my house was flood, i am still homeless now, we 've had enough suffer, could n't stand anymore like this Thank you so much XXXX XXXX XXXX
Product: Bank account or service

My school sent my financial aid funds to an account that closed 2 years ago. After tracking the funds, I found out that Chase Bank had held the funds, and deducted fees from my deposit. I asked them to explain what the fees were, and the fees are for attempted transactions after the account had been closed, as well as extended over-draft fees that had begun to compound. The initial deposit was {$720.00}, but after Chase had deducted all of their " fees '', I was left with {$420.00}. I find it hard to believe that fees can continue to compound on a closed account.
Product: Checking or savings account

Bank has refused to chargeback {$900.00} to merchant XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX I hired the company to file my taxes and to date they have failed to do so. I want to file a chargeback based on failure to receive services however Bank of America has refused to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX2018 American Express make a hard inquiry with wasn't authorized by me I would like this to be removed as it is affecting my credit.