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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I opened the ULTA beauty credit card with the comenity ( bread finicial ). 
first of all, when you are encouraged to apply, the information they give you is like you can pay through app and etc. You dont get the credit card in time. You dont have enough information in time. 
when I got to know the charge on my account, they already put on the late fees but didnt show on the statement balance. 
i talked with the agent about late fees piling up because it was under my understanding that i had already paid my balance. but they keep on charging me with the late fees. 
the agent promised me ( in XX/XX/year> ) that she is going to remove all the late fees and charges so i can keep the card. I was under the impression that i have XXXX balance on my account. but just saw it recently that they put the late fees back and charged me late fees twice within a few days. i.e on XX/XX/year> and then again on XX/XX/year>. 
I am just so appalled by this that even with no balance on my hand, i still had to pay XXXX XXXX this isnt what i signed up for. my actual transaction was o XXXX XXXX I am not up for paying my hard earned money for these late fees.
Product: Credit card

I think the decision by Discover to lower my credit limit for no apparent reason was inappropriate. I have 2 credit cards with them and consistently made at least my minimum payments. I have been in good standing with them, as far as I am aware. It seems like the bank is acting irrationally, and I want to find out why they are treating me this way. Does this happen often? What recourse do consumers have to fight back against arbitrary credit reductions?
Product: Credit reporting or other personal consumer reports

I have filed complaints to the XXXX ( XXXX ) bureaus regarding to imprecise reporting on my credit report. Please help me submit my complaint because they just ignored it.
Product: Credit card or prepaid card

I am writing to express my frustration and disappointment with the service I have received from Chase Ultimate Rewards. 

I purchased a round-trip ticket from XXXX, DC to XXXX ( XXXX XXXX XXXX, returning XXXX XXXX ) using a flight credit through Chase Ultimate Rewards. I had originally used my Chase Rewards points to purchase the ticket. Unfortunately, my return flight was canceled. 

I expected that Chase would immediately notify me about a refund or credit for my canceled flight. Instead, Chase never contacted me. 

After several days, I called Chase to inquire about the status of my refund. Chase instructed me to contact XXXX XXXX directly. That was despite the fact that all of my dealings in purchasing the ticket had been with Chase. Nevertheless, I did contact XXXX. I spent several hours on the phone with XXXX. On XXXX XXXX, XXXX issued a refund of {$230.00} to Chase since Chase had originally purchased the ticket on my behalf. 

Despite Chase receiving the refund, they have failed to forward the refund to me. This situation has been ongoing for over two months. I have spent countless frustrating hours on the phone with Chase representatives trying to resolve this matter but have had no success. 

Chase 's inexplicable decision to keep the funds itself and not provide me with a refund is unacceptable. I expect to receive my refund immediately, along with additional compensation for the time and energy I have spent on this matter, which should have been a straightforward transaction. 

I am writing to request that the Consumer Financial Protection Bureau investigate this matter and ensure that I receive the refund I am owed, along with appropriate compensation for the time and energy I have spent on this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent out certified mail letters to each Credit Reporting Agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate. 

1. I am disputing this account for inaccurate information because you are reporting the date of the last payment incorrectly. 
You are reporting the date of last payment as XX/XX/XXXX while Experian is reporting XX/XX/XXXX. If this isn't reporting correctly then this means the date of first delinquency is wrong as well as manipulating the statute of limitations XXXX XXXX Account Number : XXXX Please Submit onto XXXX form and please Delete under section 1681s ( 2 ) ( b ) 2. Remove these late payments because I was never 30 days late in XX/XX/XXXX I was only 27 days late XXXX XXXX Account Number : XXXX Please submit onto XXXX Form and please remove late payments under section 1681s ( 2 ) ( b ) They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX added a late payment to my account on my credit report that was absolutely incorrect 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, 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
Product: Credit reporting or other personal consumer reports

This letter serves as my final demand for the immediate removal of unverified negative accounts from my credit report. Despite multiple prior communications, your department has failed to resolve or verify the disputed items.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion continues to report inaccurate information on my report. They reported that I was no longer an authorized user on a XXXX XXXX account, however, this account had been closed years ago. They are reporting my debt as high for my student loan as having missed payments. This is incorrect, as my payments don't begin until after I complete my degree which will be 2023. They also did not remove a collections account after I submitted documented proof that it was incorrect. They are a complete scam and I will take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd 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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$2700.00} XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report in preparation to buying a home and discovered accounts that I did not authorize. I have reported the attached accounts to all three credit reporting agencies and they have not corrected this information. I filed Identity theft packets as directed by the police and investigators to have these fraudulent accounts removed immediately. No action has been taken to remove these fraudulent accounts.
Product: Debt collection

Convergent, XXXX. XXXX XXXX XXXX, WA XXXX, XXXX, has contacted me regarding a XXXX bill that was paid in full in XX/XX/XXXX. I participated in XXXX 's " Fresh Start Program '' in which I paid half of the balance and the remainder was forgiven. I have since moved and my account has remained current. This is an Unfair Business Practice which is a violation of the Fair Credit Reporting Act because : They are reporting an old debt as new or re-aged and ; they are furnishing and reporting inaccurate information.
Product: Credit reporting or other personal consumer reports

Mistakes involving unauthorized inquiries are present on my credit report per 15 USC 16c-2. Please remove them to prevent further damage.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Dispute Regarding Charge-Off and Missing Form 1099-C Dear CFPB, I am writing to formally file a dispute related to a charge-off on my credit report and the absence of a Form 1099-C for the charged-off debt. The account in question is with and is identified by the Capital One Auto Finance Account XXXX XXXX Despite the account being charged off on XX/XX/year>, I have not received a Form 1099-C indicating that this debt has been canceled. According to IRS regulations, a creditor is required to issue a 1099-C if they forgive or cancel a debt of {$600.00} or more. The lack of this documentation has left me uncertain about my tax liabilities and my rights regarding this account. Additionally, I would like to express my concerns regarding the accuracy of the charge-off itself. The account was charged off XXXX of XXXX  as it appears on my Consumer Reports it shows that Capital One and all XXXX reporting agencies have been reporting it every month after the actual charge off date the account can only be charged off once, and have failed to provide the necessary information required. I kindly request your assistance in resolving this matter by investigating the following : 1. The absence of the Form 1099-C for the canceled debt. 2. The accuracy of the charge-off information reported by Capital One Auto Finance . I am also aware of the FCRA violation of 1681 ( e ) ( b ) Accuracy of Report.

I appreciate your attention to this important matter and look forward to your prompt response. 
Thank you for your help in ensuring that my rights are protected. 


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

I am writing to request the removal of the following hard inquiries from my credit report : XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX U.S. POSTAL SVC XXXX XXXX Inquiry : XXXX XXXX, XXXX These inquiries were made without my express authorization, and I believe they do not accurately reflect my credit-seeking behavior. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to request the removal of any unauthorized or inaccurate information from my credit report. 

I kindly request that you investigate this matter and remove the disputed hard inquiries from my credit report as soon as possible. 
Please send me written confirmation once the investigation is complete and the inquiries have been removed. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I am a victim of XXXX data breach. I want these items deleted off my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has deleted these accounts due to my information being sold from their data breach. Please help me delete these negative accounts on my credit reports that have been removed from my other credit reports : XXXX XXXX XXXX XXXX XXXX XXXX As well as inquiries on my XXXX report that have been removed from or were never listed on my other credit reports listed below with the dates attached to inquiries that does not show open accounts on these dates. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I do not contact these companies for the following dates that have been listed with XXXX XXXX nor do I have accounts for the other companies. 
I am attaching the proof of accounts being deleted from other credit reports, proof of data being breached through black web and data breach from XXXX. All Credit Reports By Law List The Same Accounts For All Reports To Accurate And If and When Something Is Proven To Be False or Inaccurate and Removed From one Credit Report All Other Reports Should Do The Same.
Product: Debt collection

date of loan XX/XX/XXXX amount of vehicle XXXX they took it to court on the XX/XX/XXXX
Product: Credit card or prepaid card

Im a XXXX veteran and have been FORCED to deal with this company just to get an invoice. 
I NEVER asked to have paperless bills, my first contact with company was to get a bill and pay it. 
Now that CFPB got involved they were forced to actually send me an invoice see attached file and payment has been mailed Friday XX/XX/2022 from XXXX XXXX XXXX. 
Now they are harassing me saying my payment is late! This is out of my hands! Im a XXXX veteran!
Product: Checking or savings account

Unauthorized monthly ACH withdrawals occurred since on or before XX/XX/year>. I call XXXX, who investigated and found my dispute to be valid, but only credited my account for 3 months ( approx {$700.00} of almost {$26000.00} in dispute ). They told me to call Discover Bank. 

I called Discover Bank and they said to call XXXX. 

Please help. I am XXXX XXXX XXXX.
Product: Payday loan, title loan, or personal loan

I added a new bank account and verified autopay is on ( it currently still is ). Upgrade sent me a confirmation email the night I changed my bank account and their website confirms this change. Upgrade failed to deduct my autopay balance on the date set up and is not returning my calls or emails. I now have a delinquent account due to their automation failures, zero fault of my own. I have attached a screenshot of the email sent immediately after updating my account that confirms autopay is on. It also shows active in my account under manage bank accounts
Product: Credit reporting or other personal consumer reports

I filed for XXXX XXXX XXXX on XX/XX/XXXX with a XXXX attorney. All my creditors Stop reporting due the XXXX federal law. XXXX I did a personal loan with them to pay IRS taxes. I confirmed with them and the confirmed that they recieved the XXXX filing notice XX/XX/XXXX. I had made ALL my installement payment prior to the XXXX filing " Paid on time Paid as Agreed '' However they reported on Experian late payments ; XXXX XXXX 30 day late, XXXX XXXX 60 day late, XXXX XXXX 90 day late. The XXXX XXXX XXXXXXXX XXXX  XXXX account and referred it to a collection company. 
When I talked to XXXX  customer service person in XXXX XXXX they said they had the XXXX filling document from my XXXX attorney. I asked them why they are violating XXXX XXXX reporting laws and they said they have a company that deals with XXXX and that they did have my XXXX attorney on record. He referred by to XXXX ( XXXX XXXX, XXXX. I called them and left messages. 
I told XXXX customer service that 'XXXX '' are reporting incorrectly and to remove.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Correction of Personal Information in Credit Report To Whom It May Concern : I was reviewing my credit report and found several inaccuracies in my personal information, including addresses, name variations, and employment history. I kindly request your assistance in correcting these errors. I have attached documentation providing proof of my current address and correct name as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses currently appearing in my report that I would like to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The only correct address that should appear in my report is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 

Additionally, I noticed that my name appears to be misspelled in my credit report. My name has only one correct spelling, and there should be no variations listed. To confirm the correct spelling, I have attached a copy of my photo ID. 

Here are the incorrect spellings currently listed in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also request the removal of the following incorrect employers : XXXX XXXX XXXX XXXX The only employer that should be listed is : XXXX XXXXXXXX XXXX XXXX. 

These inaccuracies are causing difficulties for me in maintaining an accurate credit report and moving forward with my legal processes. Therefore, I kindly request that you remove the incorrect names, addresses, and employers from my credit report and update it accordingly. 

Once the necessary corrections have been made, please send me a copy of my updated credit report for my records. 

Thank you for your prompt attention to this matter. I appreciate your assistance. 

Sincerely, XXXX XXXX XXXX XXXX Attachments : Photo ID Proof of current address
Product: Credit reporting or other personal consumer reports

CAVALRY Bank is still reporting on my XXXX credit account. 

I do not have any recent existing bank with them anymore.
Product: Debt collection

I keep getting a call from this number XXXX for over a month now. My caller ID shows it's rausch sturm, a debt collector company. I do not have any outstanding debts and I have confirmed it through my annual credit reports. They seem to be impersonating a debt collection agency to trick me. However, I am still scared about identity theft and potential fake debt. Please help me.
Product: Money transfer, virtual currency, or money service

I have a Money Market Savings account with Ally Bank. I made an ACH payment transaction on XX/XX/2022 and the payment amount was {$10000.00}. Within 48 hours, I disputed the transaction requesting an ACH reversal. Ally Bank did nothing about it other than " restricting '' my account. Interestingly, " restricting '' means I am not allowed to withdraw money. However, I am allowed to deposit money. 

Later on Ally Bank closed the dispute without citing any reason. Ally Bank did not remove the " restrictions '' yet. I called them many times and also wrote to them several messages but to no avail.
Product: Debt collection

I received a collection letter with an allege owed debt of XXXX from SouthwestCredit dated XX/XX/21. In the letter SouthwestCredit failed to comply with Federally Protected Consumer Rights. On XX/XX/21 I sent SouthwestCredit a affidavit of truth along with an invoice, cease and desist, and the contract for proof.
Product: Credit reporting or other personal consumer reports

I have four credit inquiries on my credit report which I did not authorize. Upon trying to get it removed by the credit bureau they informed me that the only way to get it removed is by filing a consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts reporting on my credit file that does not belong to me. The following account is a result of identity theft : Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX - Balance {$10000.00} ( XXXX, XXXX TransUnion ) XXXX XXXX XXXX XXXX - Balance {$13000.00} ( XXXX ) XXXX XXXX XXXX XXXX - Balance {$2300.00} ( XXXX ) XXXX - {$7300.00} ( TransUnion and XXXX ) XXXX XXXX - {$3500.00} ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has failed to properly verify the account in dispute and have sent a stall letter. My dispute letter wasnt sent from a third party I attached my licensed and proof of address. They are prolonging my 30 days investigation by sending them letter instead of properly validating or removing the accounts on my file.