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

I'm writing to formally dispute several inaccuracies on my credit report. After reviewing my TransUnion credit report, I noticed the following collections listed, which I do not recognize and believe to be inaccurate or outdated. I am requesting a full investigation and prompt resolution of the following accounts : XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$2200.00} Account Number : [ Insert account number from credit report ] Reason for Dispute : I do not recognize this debt and believe it may not be my account or it is incorrectly reported. I request that it be investigated under the provisions of the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$170.00} Account Number : [ Insert account number from credit report ] Reason for Dispute : I do not recognize this debt, and it may be an error. Under the FCRA, I request that this be investigated and resolved. 
XXXX XXXX XXXX XXXX XXXX same name as above ) Date Opened : XX/XX/XXXX Amount : {$910.00} Account Number : [ Insert account number from credit report ] Reason for Dispute : I do not recognize this debt, and I am requesting that it be investigated and resolved. 
XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$140.00} Account Number : [ Insert account number from credit report ] Reason for Dispute : I do not recognize this debt, and I request that it be investigated under the FCRA and removed if it is found to be inaccurate. 
Legal Reference : Under Section 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. The FCRA requires that you investigate the disputed information, and if the information can not be verified as accurate, it must be removed from my credit report. 

Please conduct a thorough review of these disputed accounts, and provide me with the results of your investigation in writing. If the accounts are found to be inaccurate, I request that they be promptly corrected or removed from my credit report. 

Thank you for your attention to this matter. I look forward to receiving an updated credit report reflecting any corrections, as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I placed an order for a mattress from Mattress Firm on XX/XX/19. The sales rep kept making odd steps and corrections so we repeatedly tried to confirm that the item he was ordering for us was the exact same item from the floor model. 

We made it abundantly clear that our purchase was strictly on the grounds that we were getting the exact item we wanted, and confirmed FOUR times that the item lined out on the order matched the floor model, as there was no other way to verify. We agreed to finance the purchase of that specific order and that specific order alone. 

Now, we found out that the sales rep pulled a bait and switch on us and ordered a different item from what we agreed upon. As such, the sales rep pulled credit to sell us an item that we had not agreed upon, and had we known about the bait and switch, we never would have authorized the credit pull.
Product: Credit card or prepaid card

I made a payment for XXXX to Avant card services on XX/XX/2022. I made one purchase for approximately {$15.00} and thereafter my funds were inaccessible. I was told the company was having issues on their end and would notify me when my funds were available. I never received a email. About two weeks later I was able to use my card, and I did. On XX/XX/XXXX, avant said they returned my payment. Today is XX/XX/XXXX and My bank ( XXXX ) has no receipt of a returned payment. I have called Avant four times to resolve this issue and ask where the returned payment was sent to and they did not provide this information. I also emailed them on XX/XX/XXXX my bank statement, to show my payment posted to my account on XX/XX/XXXX.
Product: Credit card

I received a credit alert for inquiry for JPMBC Credit, which is Chase on XXXX. Today in the mail, I received a denial letter for a Chase Freedom Flex World Elite account. The account wasn't opened, but I did not request nor have knowledge for this request. ' I called XXXX to determine if any other inquiries were made to my profile, but it was only Chase. I then called Chase to determine if they could share any additional information and they were unable to do so. Since it only happened at Chase and I have already 3 credit cards with Chase, could this have been done internally?
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my name and addresses. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile.To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report. 
2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Credit card

I closed my XXXX XXXX XXXX account and paid it off. I submitted a dispute for 2 small charges and never received a refund or resolution.

Requesting the outcome and summary on why a resolution and refund NOT provided. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed items to be blocked and deleted company information from XXXX. 

Please delete the following items : 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: Debt collection

XXXX XXXX sold debt to NCB XXXX XXXX NCB Management Services Inc . 
Address : XXXX XXXX XXXX XXXX, PA XXXX Customer Inquiries : XXXX Business Inquiries : XXXX Email : XXXX They call me daily, if not several times per day. Each time I have answered and simply stated to stop calling this number. I also filled out their Opt-out form via their website. 
I do not want them calling me any longer.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX - XXXX XXXX XXXXXXXX Balance : {$550.00XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX, XXXX XXXX Balance : {$2000.00}
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame.

1. 15 U.S. Code 1681e ( b ) Accuracy of report Compliance procedures XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report.

2. These inquiries were not authorized by me and I would like them to be removed XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. 15 U.S. Code 1681e ( b ) Accuracy of report Compliance procedures XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report.

4. Under 15 U.S.C 1681c-2-block of information resulting from identity theft. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. Under 15 U.S.C 1681c-2-block of information resulting from identity theft. 
XXXX Account Number : XXXX I DEMAND XXXX dollars for each violation as you have caused severe damage to my character. 
6. Under 15 U.S.C 1681c-2-block of information resulting from identity theft. 
XXXX XXXX XXXXXXXX Account Number : XXXX I DEMAND XXXX dollars for each violation as you have caused severe damage to my character. 
7. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

8. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. This account was CLOSED. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
10. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXXXXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.

11. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX Account Number : XXXX Please remove it from my credit report. 
12. This account was PAID and CLOSEDXXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Product: Debt collection

Per Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p, this account needs to be removed from all of my credit reports ASAP! You are in violation.
Product: Vehicle loan or lease

I have a brand new XXXX XXXX with less than 1400 miles on it. I have had it for two months. On XX/XX/XXXX, myy car stalled in 4 inches of water on the way to work and XXXX   Roadside Assistance was of no use. The electrical panel appears to be fried, as the car will not change gears, and the dashboard continued to display an error message about the retractable top, which was obviously not retracted in a rainstorm. Water never breached the cabin of my XXXX, yet it malfunctioned in a road lane? Does this mean I ca n't drive in the rain? 

XXXX  Roadside Assistance went through the trauma of verifying my telephone number four times over the course of ten minutes and then hung up on me, when all I needed was for someone to move me off of a busy interstate access road. They texted me that they would have a tow available in 60 minutes ( Case # XXXX ), and I was able to contact XXXX afterwards and they were able to assist me in 15 minutes. Why do you even offer this service, when you have so little regard for your customers ' safety? 

I have reported my concerns to the dealer, XXXX of XXXX in XXXX, Texas, and they are as kind as they can be, but at the end of the day, this isn't their concern. This is a problem with your craftsmanship and your inability to make good on the promises you make for your customers ' safety. How much do you really care about your customers if you aren't willing to respond to help requests? How much have I paid in hidden costs for XXXX  Roadside assistance, when they are unable to follow through on their promises and keep one of their customers safe? 

This is my third XXXX XXXX. I have owned a XXXX XXXX, a XXXX XXXX, and a XXXX XXXX XXXX. I  am reasonably sure I am going to make this my last XXXX, and my relationship with the brand may end as soon as this weekend. You seem to have such indifference to your customers, why shouldn't I buy a XXXX? 

So, in summary, I'd like these questions answered : Why did my car malfunction in 4 '' of water in a paved lane? 
Does this mean I ca n't drive in the rain? 
Why do you offer roadside assistance, when there appears to be little regard for safety? 
How much did I pay for XXXX  Roadside Assistance, since I'm certain someone has to foot the bill for the people who answer the phones -- yet do nothing? 
How much do you care about your customers if you aren't willing to respond to requests? 
Why shouldn't I buy a XXXX?
Product: Debt collection

This company collected debts outside of the statue of limitations. They also harrassed me calling all hours of the day and well into the evening, for which I have the phone records. They failed to provide me any information about removing credit from credit report and falsely claimed they would do that before amending their website.
Product: Credit reporting or other personal consumer reports

I filed a dispute for unauthorized inquirys on my credit profile over 30 days ago and still no response from credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report, and noticed my information was exposed in the data breech the following errors are reporting on my consumer report : Inaccurate personal information, Unauthorized inquiries, and Inaccurate reporting on my XXXX  XXXX and XXXX XXXX Account. Please investigate and update as they are causing adverse harm to my credit report and good character : A dispute was mailed out to the company certified mail ( XX/XX/2024 XXXX # # XXXX ) I have attached valid copy of Passport, Social, and utility bill with my current ant only address. The only address that should reporting is : XXXX XXXX XXXX XXXX XXXX, FL XXXX The following accounts which needs to be verified, updated and deleted are : XXXX XXXX XXXXXXXX XXXX} - Inaccurate Reporting. Update balance XXXX}. Account has been PAID IN FULL. 
Unverified late payments reporting. I request you provide of these alleged late payments. 

XXXX. XXXX XXXX XXXX XXXX XXXX. Update balance to XXXX  PAID IN FULL enclosed is confirmation. 
Unverified 11 late payments reporting. I request you provide of these alleged late payments. 

Please see attachments sent to company. All letters have been sent certified mail and return sender. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. In violation of 1 Section 604 15 U.S.C. 1681 B, Section 605 A 5 U.S.C. 1681 C-1, and Section 605 B 15 U.S.C 1681 C-2. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. Therefore, if you are unable to provide me
Product: Debt collection

I received information that my credit had a debt collection owed. It stated that Transworld Systems Inc Account # XXXX was taking over an account from XXXX. I had no recollection of this account or debt. I sent a letter on XX/XX/year>, to the po box address for Transworld, requesting for them to provide information that this debt is mine and to please respond within 30 days or they would have to remove this debt from my credit. After 30 days I was not given any information and debt was still on my credit report. I contacted Transworld on XX/XX/year>, and was told they received my dispute and are still working on sending information. Today is XX/XX/year>, and still haven't received any documentation pertaining to this debt being mine.
Product: Vehicle loan or lease

When I got into this loan within the first month the engine died I talked to the car dealer to fix it with the due five years ago then since they did not help me my brother referred me to a car company in XXXX XXXX named XXXX XXXX XXXX they convinced me into getting a car from them so after that their car engine died on me too after 2 months so I told them if they can fix it they asked me for XXXX dollars to fix it I paid them and I told them about my suburban so he referred me to his mechanic to get the engine fixed on the suburban so I called the tow truck driver to drive it to the mechanic I notified his mechanic he told me he had no room to store the truck he told me to let XXXX XXXX XXXX to hold it so I did then after the first month of bamboozling me this company placed a lean on my truck and did not even consult my co-signer my mom XXXX XXXX about the crooked deal this company did to me I tried to consult the original car company about the problem and they sold the business I notified the creditor and no help whatsoever
Product: Mortgage

Hello respected Official, I have refinanced with XXXX XXXX XXXX in XXXX. I have paid first payment to XXXX XXXX XXXX in XX/XX/2020 in the amount of XXXX loan is sold to HomePoint financial in XX/XX/2020. I have paid amount of XXXX in XXXX to HomePoint financial in XXXX XXXX however only one payment is applied to loan. I have reached Homepoint and XXXX XXXX XXXX to report the issue by mail and on phone as well. I have attached the proof. Please help me to resolve the issue and They should not repeat such type of false practice. thank you. 


Contact Us - Homepoint https : //www.homepointfinancial.com XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

During the past XXXX Tax Year, I have made approximately XXXX Credit Card Purchases as a registered Buyer for Auction items listed on XXXX in the USA and payments made through Paypal , Inc. to the XXXX Sellers that listed the items on XXXX. 

How can I accurately pay any State of Ohio Sales Taxes that I owe for Tax Year XXXX, when both XXXX and Paypal are currently denying me any online access or printed reports about XXXX Seller 's Auction information I need to determine my Ohio State Sales Tax liability for purchases made through XXXX on the Internet? 

In Ohio where I reside, I am responsible for paying a 7 % State Sales Tax amount on all taxable items purchased through the Internet with the USA. This Internet Sales Tax is called the Ohio " Use Tax '' levied upon all Ohio residents for Internet purchases. 

XXXX and Paypal Customer Service Departments say they do not provide any Federal, State, Local nor International paid tax information to registered and confirmed users like me about paid-in-full XXXX Auctions. However, XXXX is responsible for including Ohio sales tax for XXXX items sold by Ohioans to Buyers who reside within Ohio or if a company warehouse is located within Ohio. 

XXXX also claims they are not responsible for providing this tax information to consumers because XXXX claims this detailed information is not available after 60 days from the payment date. XXXX CSRs can not explain why XXXX has chosen to automatically erase all detailed XXXX Auction purchase information after 60 days for some undisclosed reason. I am not permitted by XXXX to save the details of the Auction Transactions and CSRs. 

The problem I have is that both XXXX and Paypal deny any responsibility for providing upon request to consumers like me any tax-related information about paid-in-full Auction purchases regarding : 1. ) which geographic location in the USA or foreign country is the XXXX Auction Seller registered, 2. )  where did the paid XXXX Auction item ship from, and/or 3. ) if XXXX collected any tax amount or Ohio Sales Tax on the paid XXXX transaction. 

Paypal processed all of the online transactions and they forwarded the payment amount ( including currency conversion if needed ) to the registered XXXX Seller. Some of the Auction payments sent through Paypal went to XXXX Sellers within Ohio, some Sellers that reside outside Ohio and within the USA, and other XXXX Sellers are located in overseas countries such as XXXX, XXXX, XXXX XXXX, XXXX, XXXX, etc ... 

The XXXX Seller would then drop-ship the XXXX auction items to delivery address that I specified.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th 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 XXXXXXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$720.00} XXXX XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$720.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Is in violation pursuant to section 623 of the FCRA, if the investigation is not complete within 30 days XXXX XXXX XXXXXXXX