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

The following inquiries are on my credit report. I have no knowledge of these inquiries. 

XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX BANK XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  XXXX Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX ( Auto ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Happy Friday! - I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate  reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX was sold in XX/XX/year> and this account should not be listed on my credit file anymore. XXXX XXXX does not own this account no more and therefor account should be completely remove. I do not have a balance with XXXX XXXX XXXX XXXX XXXX card. Please remove account from all the credit file ( XXXX, XXXX and Transunion ) immediately. The account is reporting inaccurate please remove asap.
Product: Credit reporting or other personal consumer reports

DEAR, TRANSUNION I WOKE UP FRIDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF A CRIME... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX PLEASE HELP ME REMOVE AND DELETE THIS INQUIRIES FROM MY CREDIT REPORT. XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I moved and did not receive statements at all from capital one, I have asked and signed up and still nothing. I was charged a late fee in XX/XX/2018 and the company will not refund it, even though they dropped the ball and didnt send me the statement as requested and i even called. please refund me.
Product: Bank account or service

A manual payment of was made ( on the due date XXXX/XXXX/XXXX ) to my Wells Fargo personal secured credit card because I had cancelled automatic payments. An automatic payment was still initiated on the same date - after my manual payment. Wells Fargo 's automatic payment non-cancellation mistake caused imbalances to my checking account resulting in additional charges to my other bank accounts and by creditors. 

When Wells Fargo was contacted about the mistake, they had no record of my automatic payment cancellation. When I cancelled, the phone representative did n't provide any sort of confirmation number ( which should be procedural ). Though if considered, my manual payment would confirm my understanding of the cancellation. 

Following many unsuccessful contacts by phone, call transfers and repetitive explanations to resolve the issues, I was forced to visit my local branch office in person on XXXX/XXXX/XXXX. Following another lengthy situation review with the branch representative, she made several calls explaining my difficulties then, put me on the phone again. The manager on the phone gave me a verbal promise that the correction would be made by Monday XXXX/XXXX/XXXX. Unexpectedly on XXXX/XXXX/XXXX, Wells Fargo closed all of my bank accounts ( including my personal accounts ), because XXXX of my business bank accounts had XXXX returned checks from customers. 

The secure credit card balance was below the secured deposit amount and should have been reconciled on the date the account was closed, rather than waiting to XXXX XXXX and the accruing of additional minimum payment charges growing from {$25.00} in XXXX to {$210.00} in XXXX XXXX. Upon Wells Fargo 's closure of all of our accounts, they held full control of our funds. 

From XXXX/XXXX/XXXX forward Wells Fargo has benefited, there has been little inclination for Wells Fargo to consider their customer 's experience nor their internal errors which caused a harmful chain of events. 

Wells Fargo has not corrected their procedures to provide a confirmation of automatic payment cancellation- for what may be disturbing reasons. 
These actions clearly point to systemic policies for generating more fees and profits. This ruthless and machine-like approach has nothing to do with true customer service nor with cultivating mutually beneficial, long term relations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a notice for a {$260.00} bill owed to XXXX  for cable service. I contacted MRS BPO and paid the amount around XX/XX/2021. I was told it would take 30 days to update my credit report. 
I contacted MRS BPO around XX/XX/2021 when the item was still showing on my credit report. I was given the run around as to why this is still showing up. I requested it to be updated, as it was paid and I am looking to purchase a home. The agents were really rude and after about an hour of callig back I finally got someone who seemed to be cooperative. I was told she was unsure why it wasn't updated and she would send it to the department to be updated. I also never received the letter in the mail that this was paid. 
I disputed this with XXXX XXXX for the information being inaccurate. As of today XX/XX/2021, XXXX XXXX is stating that the information reported was verified and considerted accurate. I just want my credit report updated so that I can move on with my life.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App. Cash App failed to provide me with customer service when needing help with a dispute.
Product: Credit reporting or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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, credit repair services, or other personal consumer reports

Accounts were opened by an ex-girlfriend living at my house without my knowledge or consent.
Product: Credit reporting or other personal consumer reports

For almost two years I have been trying to dispute XXXX XXXX XXXX. This company has never sent me a debt validation letter and when I tried contacting a year ago either they said this debt is with another agency or they cant provide the validation I'm asking for. I have sent multiple letters that I have proof of and Transunion has also failed to investigate this and show me proof of the steps that were taking to investigate this debt. The dispute is updated to inaccurate information. 
According to FCRA section 605b it is illegal to report information on my credit report without my permission. Please remove this from my credit report now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone at a bank re-opened an account I had previously closed. So they used my name and social security number. The bank and the Equifax credit reporting agency refuse to remove the fraudulent information in the report, claiming the the identification information matches my name... yeah, because that's how identity theft works. I have included ANOTHER FTC Identity Theft report, showing that this is a case of fraud, and have gone through all the proper channels of reporting it to local and federal authorities. Now, it is EQUIFAX that is violating the fair credit reporting act by not removing the fraudulent information in a timely manner.
Product: Debt collection

I was turned over to collections by XXXX XXXX XXXX for a debt that is not mine. They turned me over to Eagle Accounts for XXXX. The amount of the bill from XXXX is XXXX. I notified XXXX XX/XX/XXXX that I had moved and we were getting a divorce and I needed removed from the account. They did not do that. They do have record of the call and claim that I told them we were getting a divorce and I had moved out but I wanted to keep it in my name. I absolutely did not tell them that and when I asked for the call, they were not able to provide it. I also provided them with certified copies of my divorce decree that stated my ex-husband was to take possession of the house once the divorce was final. Our divorce was final in XXXX and this debt is from XXXX. I have also offered to pay XXXX what is owed to them from my ex-husband if they removed this from my credit report and they will not. I did what I was supposed to do and notified them that I was no longer living there and needed removed from the account. I should not have my credit ruined and be held responsible for the lack of them doing what they needed to do and my ex-husband for not doing what he was court ordered to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated. These two companies are saying that I have been late on my payments. I have never been late. I am requesting that the late payments are removed, and show that they are good standing. I am personally asking for a debt verification for the late payments and to be removed immediately as the late payments are an error to my perfect credit standing.
Product: Credit card or prepaid card

My Chase credit card was overcharged for the amount of {$430.00} ( $ XXXX {$130.00} ) by Swiss airline on XX/XX/2019, i disputed these two transactions as i purchased a round trip flight ticket and i called the airline to reschedule my 2nd trip due to a health circumstances they inform me that my ticket is non refundable however i was informed by them before paying for this ticket that my ticket is refundable, i called chase credit card to dispute these two transactions they came back to me saying that my request has been denied because my ticket is not refundable, i requested an evidence because they never sent me any email, or any kind of correspondence demonstrating that my ticket is nonrefundable, all i received is an itinerary without any terms for my ticket.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts under my name that is a result of Identity Theft that I have no direct engagement with. Please see attached documents for these accounts I am complaining.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out my dispute letter certified on XX/XX/XXXX and they received it on XX/XX/XXXX they had to sign to get the letter. It has been 33 days no response it is a violation of my rights. They also violated the law because according to XXXX5 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 I did not give anybody written instructions. 

The accounts that I disputed in my letter was XXXX XXXX account # XXXX Amount : XXXX XXXX  Account # XXXX Amount : XXXX Division of child sup en Account # XXXX I need these accounts deleted off of my credit report due to multiple laws being broke. The main law that was broken was the failure to a proper investigation because of this all of the accounts listed above need to be deleted. If not I will be seeking litigation for every account listed above. This is my 3rd attempt. Stop breaking all the consumer laws and promptly erase these unlawful accounts off of my credit report. I have been very specific and will be contacting a lawyer with all evidence if accounts are not taken off my credit report. Your company failed to even respond to my dispute letter that I hand wrote and sent certified mail that your company had to sign for. Erase accounts asap thank you to whom this may concern
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed that This account from XXXX is a fraudulent account that was opened up in my name and it does not belong to me. Not only is it a Fraudulent account its reporting different dates as well as different balances across each credit bureau. 

XXXX XXXX XXXX Opened on XX/XX/2013 {$20000.00} XXXX XXXX XXXX Opened on XX/XX/2013 {$20000.00} Equifax XXXX XXXX Opened on XX/XX/2013 {$14000.00} This account has been opened in my name fraudulently.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3500.00} XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' ... promptly delete all information which can not be verified. " that I have disputed. Please resolve this manner as possible. Thank you.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed Inquiries in Dispute : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I receive a call from Portfolio Revovery at least once or twice every day. I have repeatedly let them know the account does not belong to me and that I have even tried to dispute it and it still remains on my credit report. They are rude and continue to call and harass. I have blocked their number for over 2 years and every time they call again from multiple different phone numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please know that I was not late on XXXX BANK XXXX XXXX I wonder why Experian report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me