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 XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date 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/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date 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/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX,
Product: Credit card

For the last month I have been unable to access the payment option on three of my chase credit cards. I am only able to access the payment option on one of the cards. Chase has informed me there is something the matter with my bank account and my bank needs to fix the issue. I did contact my bank and they informed me nothing is wrong with the account. I informed Chase that I can pay on one of the cards and not the other 3. They have not been able to solve this issue and I have been transferred to a number of departments and no one was of any assistance. The only way I can pay is to go to the branch office and make a payment with a check. When I go to the branch office and give them a check it is from the checking account they are taking issue with. The payment goes through and the balance is adjusted accordingly. This is extremely annoying and I am tired of being transferred to agents who have no idea how to solve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made all my payments on time using the companies website but one month i got notice 30 days later that they never received the payment and that a 30 day late payment was on my history. This was not my fault because their website showed that they received the payment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, Tx XXXX XXXX XXXX Account # : XXXX Dear National Credit Audit, I am writing this in response to your recent correspondence related to account # XXXX I accept no responsibility for ownership of this debt ; however, Im willing to compromise. I choose to accept the settlement amount of {$3200.00}. Which would satisfy the 40 % the company stated they could settle for. Though the above amount is not 40 %, but in fact over 50 % of the total amount, I will accept the offer in exchange for your written agreement to the following terms : You agree to accept this payment as satisfying the debt in full ( once you receive the agreed-upon amount ). 
You agree to not list this debt as a paid collection or settled account. 
You agree to completely remove any and all references to this account from the credit reporting agencies ( XXXX, XXXX and XXXX ) that you have reported to and validated this account. 
You agree to also delete this report from the co / main applicant account by the name of XXXX XXXX XXXX. 
I am willing to pay the amount of {$3200.00} as settlement for this debt in exchange for your agreement to the above terms within 15 calendar days of receipt of payment. Understand that this is not a promise to pay. This is a restricted settlement offer and you must agree to the terms above in order for payment to be made. This debt has not only affected my credit, but has affected my livelihood and residence for my family and I. Should you accept, please send a signed agreement with the aforementioned terms from an authorized representative on your company letterhead. Once I receive this, I will pay the {$3200.00} I look forward to resolving this matter quickly. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had a payday loan with XXXX XXXX in XXXX, SC. They have called my job everyday for a few weeks now, and today was asked to stop contacting me at work. They stated they would then come see me at work if I couldn't talk to them over the phone. threatened to come up to my employer which is unacceptable.
Product: Debt collection

I have been receiving calls for over a year now from XXXX and XXXX  telling me that I owe debt to Allied Cash Advance. I have never taken a loan out with Allied Cash Advance and I have asked on several occasions for them to send me paperwork showing where I did and what this is all about. They have not sent me anything.
Product: Debt collection

On XX/XX/2020 at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IN XXXX I order new XXXX XXXX, on XXXX XXXX I missed my appointment, The XXXX XXXX never called me back to set my appointment to size and pick up XXXX XXXX {$410.00} dollar. I recently just noticed my account has been sent to collection for amount of {$410.00} dollar to XXXX XXXX. I informed the collection agency that this information was inaccurate. As a result of not receiving XXXX XXXX product. its very contradictive for me to pay for a product that I haven't received. From my understanding this a violation of consumer rights. I speak with XXXX XXXX about picking up XXXX XXXX since the account been sent to collection. They informed me that I needed to pay for the XXXX XXXX throw XXXX XXXX collections to receive XXXX XXXX from XXXX XXXX office. The account is in Collection with XXXX XXXX and been write off to collection from XXXX XXXX office, for a product i haven't received. as a consumer, I have the right to inspected product and verify that product meet my need as consumer. Nor can set appointment to verify the product meet my medical needs.
Product: Credit reporting or other personal consumer reports

Equifax Credit Bureau Continues to violate my consumer rights by reporting XXXX XXXX on my credit report as a charge off collection account. I have never consented to having a business relationship with this creditor. This account is fraudulent. I have continually disputed this account with Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a Chase credit card XX/XX/2023 which I thought I was prequalified for at the time of opening a new bank account with Chase. The reason why I thought I was prequalified was because it was given to me as a special offer directly through my bank account app .The credit card application was denied. I received their denial letter, so I call for reconsideration on XX/XX/2023. The lady I spoke to who took the book to from reconsideration department, who took the final decision, told me that she could not qualify me because of past history in there chase files said they were said {$20000.00} credit card was charged up in the pass and resolve through identity theft and she clearly stated that that was the reason why she could not approve me. I also have bankruptcy, but she said she can not overlook the bankruptcy due to the bad history on that credit card even though it was already resolved, and the conversation finished there.on XX/XX/2023 I called them so I can retrieve their file that states the {$20000.00} credit card XXXX  the manager I spoke to said that that car was only charge for {$16000.00} and that no she can not give me those files and she gave me a phone number which ended up nowhere
Product: Mortgage

I submitted my required paperwork to Loan Care, LLC on XX/XX/2020 to end my forbearance on XX/XX/2020 and was told I would be contacted within 10 days to go over my options. I called after 10 days and was told that review could take up to 30 days but to call the following week to check on the status. When I called the following week as suggested, I was then told it would be 30 days for the review to be completed, period. After waiting the 30 days from submittion, I called again for an update, waited on hold for over an hour and a half, and then was told that loss mitigation closed while I was on hold and that my paperwork would not be reviewed until my forbearance period ended. I requested that I could speak with a supervisor since each time I call I'm given a different response. I was told that a supervisor would call me before the end of the business day, but that call never came. So, on XX/XX/2020 I waiting on hold for another hour and a half to be told that review times are now taking over 45 days. While speaking a customer service repesenative, there were kids screaming in the background and somehow the call was disconnected and I was placed back on hold. After waiting another hour on hold, I gave up. 

While I understand that these are not normal times, I would expect that mortgage accounts would be handled in a more timely and professional manner. I called again today, XX/XX/2020, and was told that they could extend the forbearance until they have completed the review of our account. I explained that I do not want to further our forbearance since that would further delay our ability to refinance in the next few months. I was again put on hold for another hour and gave up. 

Now our forbearance will expire on XX/XX/2020 and the only option we are currently given is to extend our forbearance which is unacceptable.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX we filed for a XXXX XXXX  bankruptcy and was discharged with a clean slate. On XX/XX/XXXX I put in to dispute the derogatory remarks and wrong balances they had on TransUnion. After there 30 days they said they had finished there investigation but had left all the derogatory on XXXX of them. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXXXXXX Account Number : XXXX Delete this account. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXXccount Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

11. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

12. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

13. there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On   XXXX   2016.   XXXX   XXXX   XXXX   repossessed my   XXXX   XXXX  . I spoke with the company about making arrangements to get the vehicle back. Never heard anything back from the company. After checking my credit report a few months later, I noticed that they are reporting an inaccurate or different amount as the high balance on my report. After calling and speaking with a representative, I was informed that the vehicle was sold and the amount listed is different from what they notified me of. The representative even stated that she can understand why I am confused because she is seeing three different amounts that they had given me. According to NC law,   XXXX   XXXX   was suppose to notify me at least 5 days prior to the sale of the vehicle in writing and also after the sale of the vehicle to notify me of the amount the vehicle was sold. I never received any correspondence in this regard from this company.   XXXX   XXXX   has violated my consumer rights and continue to list inaccuracies on my credit report without providing any validation of the debt to me as the consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX experian are all selling, trading, to third parties agencies without my permission 15 US 6802
Product: Checking or savings account

I am writing to formally dispute the ongoing deceptive and unlawful practices your institution has engaged in regarding my consumer accounts and reports. Despite my previous disputes, Navy Federal has failed to respond adequately and continues to violate my consumer rights under federal law. 

In XX/XX/XXXX, Idisputed an inaccurate late payment on my consumer report and requested the procedures used to ensure maximum accuracy under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( a ). To date, I have received no response addressing my procedural request, which constitutes willful noncompliance. 

On XX/XX/XXXX, I submitted another dispute regarding Navy Federal 's violation of state usury laws, citing that the credit union has been overcharging and exceeding the maximum allowable interest rate. Additionally, I inquired about unauthorized and fraudulent transfers from my personal checking account ( ending in XXXX ) to account ( ending in XXXX ) without my consent. 
Despite my demand for Navy Federal to cease and desist these unauthorized transfers, funds were fraudulently debited on the following dates : XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX These transactions are in direct violation of the Electronic Funds Transfer Act ( EFTA ), 15 U.S.C. 1693, and Regulation E.

Additionally, Navy Federal has shared my nonpublic personal information related to accounts ending in XXXX and XXXX with third parties without my explicit consent and without providing the required opt-out documentation, violating the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801-6809.
Product: Credit reporting or other personal consumer reports

XX/XX/year> RE : CEASE AND DESIST DEMAND Dear Jefferson Capital Systems LLC Jefferson Capital Systems LLC : furnished a report in reference to my social security number regarding an alleged debt Jefferson Capital Systems LLC claims is owed on. 
This letter serves as your legal notice, pursuant to the provisions of the Fair Debt Collection Practices Act 15 U.S. Code 1692c ( c ) to ; CEASE AND DESIST ALL COMMUNICATIONS and TRANSMISSIONS of electronic files containing consumer 's name and address, her status as a debtor, details of debt, and other personal information regarding the above-referenced alleged debt. XXXX XXXX XXXX, XXXX and XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXhe consumer has decided not to work or communicate with any collections agency regarding this matter. Any further correspondence from your organization or any other collection agency will be discarded or returned to you unopened. XXXX XXXX XXXX. XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX WHEREFORE, the consumer demands all collection activities such as all calls, visits, electronic communication with third parties regarding details of the alleged debt, the consumers status as a debtor, and the precise amount of the alleged debt CEASE AND DESIST, and this account be REMOVED from all three of consumer reports. 
Failure to comply with this legal notice to cease & desist all forms of communications constitutes a violation of the Fair Debt Collection Practice Act, and may warrant legal action. Webster v. 
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hard inquiry not recognized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Trying to link my bank account to XXXX XXXX but it wont let me
Product: Credit reporting or other personal consumer reports

TransUnion LLC had deleted this account in XXXX, ( Account XXXX XXXX XXXX XXXX Account # XXXX ) the debt was then sold and they put it back on my credit report under a different name ( Account XXXX XXXX XXXX XXXX Account # XXXX ) the information is inaccurate, I've made several attempts to TransUnion requesting the names and business addresses of each individual with whom they verified the information above, so that I may follow up. The date they contacted the individual furnishers of information. The method of communication they used to verify the information, my request have been ignored. They also ignored my request to remove this unauthorized inquiry as well.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX United States XXXX XXXX XX/XX/XXXX Dear Consumer financial protection bureau am writing to formally dispute unauthorized and inaccurate credit inquiries listed on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. 1681o, which addresses civil liability for willful noncompliance. 

Upon reviewing my credit report, I identified the following inquiries that I did not authorize : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries were made without my consent, and I request that they be investigated and promptly removed from my credit report. Under the FCRA, only inquiries authorized by the consumer or related to a permissible purpose should appear on a credit report. I reached out to all the bureaus havent received help on any of these inquiries this is majorly affecting my credit these are not accounts in use I do not have an account with any of those inquiries. 

If these inquiries are not removed within the timeframe specified by the FCRA, I am prepared to escalate this matter further, as willful noncompliance with the FCRA can result in civil liability under 15 U.S. 1681o.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I disputed with Experian a crdito that was added to my credit report. On XX/XX/XXXX a collector was added to my report on behalf of the creditor I disputed. I submitted another dispute for these two items as I never received any documentation pertaining to these debts. Experian decided that the disputed items were to remain on my credit report to which I requested a dispute process from them. I also send letters to the collector with no response. On XX/XX/XXXX I disputed again based on the fact that this lender and collector dont reply to my quest of a debt verification letter. But Experian refuses to provide any information and I cant anything from the collector or lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today after I found out that my Complaints # XXXX, XXXX, and XXXX was closed last XX/XX/XXXX. I would like 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : - ; XXXX XXXXXXXX XXXX : - ; XXXX XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX : {$0.00} ; XXXX Balance : {$1400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$150.00} ; XXXX. XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX : {$300.00} ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/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.