23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Chime is claiming on XX/XX/XXXX I did 2 atm withdrawal. XXXX XXXX and one at XXXX XXXX. I tried to explain to representative that I did the atm withdrawal at XXXX am but not the one at XXXX PM. They denied first dispute within 3 days. I then asked for a rebuttal in sent in my location history, my daily withdrawal limit which is XXXX XXXX a day and my spot me limit which is only XXXX. But they denied the rebuttal. So I asked the representative what my possible information could they possibly need. I have called repeatedly explaining to them that they made a mistake and they just say yes we see it here but we still have to wait on the investigation to be completed. Just for them to denied my dispute again. I also told them I'm on XXXX please just refund my money because it takes everything I get just to make it. If it was something I truly did I wouldn't be disputing it, but they refuse to give me my money back.
Product: Checking or savings account

In XX/XX/year> my account was fraudulently charged in the amounts of : {$59.00} {$110.00} {$32.00} {$360.00} I have reported this issue to my bank institution " Navy Credit Federal Union '' and requested that they do a thorough investigation. If they have then NFCU would see that I'm a victim of fraud. However, NFCU refused to do a proper investigation and provide me with any proof. I have written them and submitted a fraud claim twice and still my bank institution charge me for the fraud that was committed against me.
Product: Credit reporting or other personal consumer reports

CFPB, Can you please make them remove these negative accounts that's infecting my consumer credit report. Under consumer code 15 USC 1681eb. According to the IRS canceled debt a ( CHARGE OFF ) is gross or ordinary income. Income doesn't get reported on your consumer report. Since income doesn't get reported on your consumer report. A ( CHARGE OFF ) is inaccurate account and it have to be removed. Here are all my alleged accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Hey was looking at my report and notice there were some things that was not correct. I sent a letter to Experian on XX/XX/2023. Complaint # XXXX But it has been more than 35 days since the credit bureaus haven't responded. That a violation of 15 USC 1681 ( a ) ( 1 ) ( A ) Under 15 USC 1681 ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

This a fraudulent account that was opened in my name using my information. This account appears to have been opened in XXXX XXXX XXXX. I have contacted this company and informed them of this matter on XX/XX/2022. The total amount of this loan is {$5200.00} and it was fradulently obtained. Please remove this fraudulent account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The listed inquiries and accounts were not authorized by me to be furnished on my consumer report. Please remove them immediately. Please see the attached documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identify theft the accounts listed in this doc and the doc attached have been furnished without my consent or my authorization. This has been damaging to my reputation as a consumer and violation of my right to privacy as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX specifically debt bondagewhich falls under XXXX as defined by the XXXXDebt Final Rule XXXX ( b ) ( XXXX ) XXXX and XXXX ( b ) ( XXXX ) I have incurred debts that are a direct result of this criminal activity.Per the guidance from the Consumer Financial Protection Bureau XXXX CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage.According to Section XXXX of the Fair Credit Reporting Act ( XXXX U.S.C. XXXX ), credit reporting agencies are required to block and remove any adverse information resulting from XXXX XXXX  within XXXX business days upon receipt of sufficient documentation. Furthermore, XXXX C.F.R. XXXX mandates the immediate removal of such information. I have provided all necessary documentation, including a victim determination letter in accordance with XXXX C.F.R. XXXX ( b ) ( XXXX ). As only XXXX forms of documentation are required by law, I trust that the enclosed materials suffice for this request. I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 was charged unauthorized by a merchant by the name of XXXX on XX/XX/18. I have placed a dispute with card company and have sent written confirmation. I am supposed to receive provisional credit within 10 days. It has been beyond the 10 day threshold, I have received the replacement card but have not been made whole from the unauthorized charges stemming from this merchant. I have called multiple times to the card company but have be denied to receive any escalated support, which is why I am now reaching out to you for help. I am seeking a full return for all charges stemming from this merchant XXXX. 

XXXX card is my card company their phone number is XXXX Please assist
Product: Credit card

This issue is deeply concerning to me, as it is affecting my ability to sleep. Given my consistent history of timely payments, I am urgently requesting an immediate update to my account to alleviate the distress it is causing.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft, whoever stole my identity opened fraudulent accounts in my name and the accounts are reporting negatively on my credit report. Here are some of the fraudulent inquire 's and accounts ... .I also attached supporting documents. In accordance with the Fair Credit Reporting Act, I hereby request a thorough investigation into these items and their subsequent removal from my credit report. It is my understanding that you are obligated to verify these items with the relevant creditor. Any information that the creditor can not validate should be promptly deleted. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), this reinvestigation must be completed within 30 days of receiving this letter. Please provide an updated copy of my credit report to the address provided above. As per the act, no fee should be charged for this updated report. Additionally, I kindly request that you notify anyone who has received my credit report in the past six months of any corrections made. Thank you for your attention and assistance in this matter.
Product: Credit reporting or other personal consumer reports

Sterling Background Check no good Company sent me a false ( lie ) message on phone saying to call so can give me the case status by someone named XXXX XXXX to call XXXX Extension XXXX and then started demanding questions at me such as where do you live and stuff. I advised used to live in XXXX XXXX Texas and asked for my personal information to be removed from there system, etc ... and the caller refused and the agent hung up on me.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping 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 CreditReporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Last year, I filed three complaints with the consumer financial protection bureau under the following complaint numbers : FTC XXXX pertaining to Mohela and Dept. of Education ; FTC XXXX pertaining to XXXX XXXX XXXX XXXX ; and a complaint against XXXX XXXX XXXX involving a XXXX XXXX XXXX  who charged me after sabotaging my vehicle that had to be towed twice once I drove it home. As I stated, I suspect that the XXXX XXXX XXXX XXXX XXXX XXXX has a rogue unit of officers who have been assigned to use illegal pen registers to monitor my email transmissions when I report incidents of corruption and retaliation against me. These complaints were filed last year; but they have been deleted from your data base. This is an example of what these rogue officers are capable. I retired in XXXX and couldn't find employment to pay my student loans. I discovered on XXXX XXXX, XXXX that these rogue XXXX XXXX  had affixed derogatory and false medical information to my payroll in violation of HIPPA regulations. I am asking your office or the ombudsman to investigate this computer breach at your office and share your findings with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau XXXX  is reporting a collection account with Alpine Credit , Inc. This is inaccurate and is not my account. They are reporting 3 collection accounts in the amount of {$220.00}, {$41.00} and {$41.00} on my credit report. This debt was already removed from my XXXX  credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed an inquiry on my credit profile from JPMCB. Ive never applied for anything with them. Ive contacted the company directly 4 times asking them to remove this inquiry but they just give me the run around. Theyre not able to verify that I applied. I asked them to provide the IP address for the computer/mobile device used the day of the alleged inquiry from me and they were unable to provide one.

Remove this erroneous inquiry from the credit bureaus immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida, XXXX XXXX XXXX XXXX Subject : Complaint Regarding incorrect Social Security, Name and Address on my Credit Report. 

Dear, Credit Reporting Agencies, I am Writing to Formally Complain about inaccuracies in my Social Security Number, names and addresses Records that have serious implications for my financial wellbeing and personal identity. 
Upon reviewing my Credit Report and Social security, I have identified multiple addresses that do not belong to me as well as names including a wrong social security number that are not associated with my identity. This not only affects my credit score but also raise concerns about identity theft and fraud. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information in my credit report. I am requesting that you investigate these discrepancies and correct my Social Security records accordingly. The accurate information is as follows : XXXX. My Social Security is XXXX not the one ending on XXXX XXXX. My Correct Addresses are as fallow : a. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX b. XXXX XXXX XXXX XXXX Tn XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX PR XXXX XXXX. My Names is been XXXX XXXX XXXX I have attached supporting documents, including copy of my identification and social security card to aid your investigation. I would Appreciate your prompt attention to this matter, as it is crucial for me to rectify these inaccuracies. 
Please Confirm receipt of this letter and inform me of the steps being takento addressed my concerns. I look forward to your response within the 30 days, as stipulated by the FCRA or earlier if is possible. 

Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Fl XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft due to an XXXX   credit breech. FTC identity theft report number XXXX filed on XX/XX/2020. The inquiries listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.Please remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fales personal information on my credit reports. 

Items that have been paid and/or charged off are not being reported to other credit bureaus. 

Have filed for identity theft in XXXX.
Product: Money transfers

This person that said they were selling a puppy and they tried to scam me and I asked them multiple times for a refund and do n't respond I told them to cancel the puppy but they said later and have n't refunded me I need help to stop the money or get it back please
Product: Credit reporting or other personal consumer reports

Recently, I checked my credit report and noticed multiple billing errors under XXXX U.S. CXXXX XXXX ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement. 
XXXX U.S. CXXXX  XXXX - Timing of Payments ( a ) Time to Make Payments : 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 XXXX ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.
Product: Debt collection

The open dates for are not accurate and the account numbers are invalid. XXXX, never represents or corresponds to appropriate account informations. Its been more than 10 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report. "
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes and verification request. The credit Bureaus have failed to respond in a timely manner, they have also failed to correct the mistakes. There are several accounts that are reporting different information to each Credit Bureau. I have brought these items to the attention of each Credit Bureau and requested that the inaccurate information be removed from my credit report. To day they have failed to make the necessary changes. 

XXXX Acct # XXXX has a different date of last of activity for each Bureau XX/XX/XXXX but XXXX XX/XX/XXXX and date of last activity is XX/XX/XXXX The account is also showing as never disputed when in fact it has been disputed several times. Account shows a different high balance for each Bureau/// this account is inaccurate and needs to be removed from my credit profile. it is also over the statute of limitations. 

XXXX acct # XXXX has a different date of last activity reporting to each Credit Bureau/ XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX and XX/XX/XXXX for Equifax date of last payment is different for each Credit Bureau also reporting an inacurrate high balance / Claims dispute were resolved when never investigated or provided results XXXX  Account # XXXX reporting inaccurate information on my credit report // and should be removed different date of last activity to each Bureau different date of last payment reported to each credit bureau date of last payment different for each Bureau XXXX XXXX XXXXXXXX account # XXXX date of last activity is inaccurate reporting different information to each credit bureau date reported is different for each credit Bureau collection account showing 90days late 2 times with no 30 or 60 days late reporting a high balance of XXXX to XXXX which means nothing should be owed XXXX/ acct # XXXX date of last activity is inaccurate XXXX XX/XX/XXXX XXXX collection account showing late this is inaccurate high balance of XXXX to XXXX and {$140.00} to Equifax XXXX XXXX acct # XXXX shows a different high balance to each Credit Bureau date of last activity is different for each Bureau XXXXXXXX  XX/XX/XXXX XXXX XX/XX/XXXX and Equifax XX/XX/XXXX date of last activity is different for each credit Bureau
Product: Mortgage

Back in 2015 Wells Fargo home mortgage refused to modify our home loan even though we had submitted documents and this refusal cost us our home to foreclosure. Wells Fargo recently sent us a check for {$200.00} for any wrong doing and this is a slap in our faces as the bank is admitting an error was made as i would life to receive a fair compensation for the mistakes that was made
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account Number : XXXX has violated my rights.

15 USC 1881 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account from my credit report that is still there and per the laws incorrect and inaccurate info would be grounds for removal and this has not happened. Not only has it not happened I have never received my investigation results. One of the times I even sent out the mail via certified so I know they received my letters. I never received my first set of responses so the second set I mailed certified. I'm asking my XXXX XXXX XXXX account I'm disputing to be deleted for it's inaccuracy and for the lack of response. 

I sent out the first set XX/XX/20 2nd set- XX/XX/20 3rd set XX/XX/20
Product: Credit reporting or other personal consumer reports

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness.

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Product: Debt collection

I received a call at XXXX asking for XXXX ; the same man called back at XXXX and said he was Naviet and he was trying to collect an debt ; I have given they my Atty info in the past and now I am receiving 10-12 calls a day. then a 3rd person called at XXXX from Navient. I am being harassed.
Product: Checking or savings account

I have an XXXX account with INTER & CO PAYMENTS , INC., opened on XX/XX/XXXX. Turns out that since XX/XX/XXXX a problema on their platform is preventing me from accessing my account online. This has been brought to their attention on several dates, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, through their branch in XXXX, but nothing has been fixed up to now. My funds are being hold by INTER & CO PAYMENTS, INC for almost XXXX month without justification.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX XXXX XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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. XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports