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

Charged XXXX additional to American first finance company on a XXXX from XXXX XXXX my identity been stolen hacked need consumer lawyer to contact me My name is XXXX XXXX Email : XXXX Phone XXXX XXXX Florida
Product: Credit reporting

i have numerous times called and called to this company to remove all inquiries from my account that do not belong to me. they have constantly refused to do so and having all of these inaccurate inquiries on my account is hindering me from getting anything worth having. I literally have XXXX credit inquiries on my report and I 've called and called and called and no one is listening and helping me when i 'm telling them that the information is inaccurate and does n't belong to me. their inconsiderate and reporting inaccurately and i need it to stop, i need results and i need something to happen. i do not have time to go through the stage of pursuing a law suit but that will be my next step if these arent removed immediately. 
the only XXXX i should have on my credit report are : XXXX, XXXX, XXXX
Product: Credit card or prepaid card

afni collection is trying to collect a fraudulent debt I never applied for XXXX XXXX in XXXX that this agency does not call me anymore and do not report any negative account in my report I am already repeating a complaint to the federal agency traffic commission
Product: Credit card or prepaid card

when i open my account i have Problem with credit limit what they give me i have high Credit sore and theyt lie to me
Product: Credit reporting, credit repair services, or other personal consumer reports

It is disappointing seeing the Credit Bureaus do their best at nothing to correct my Credit file. I have beeen requesting that the Credit Bureaus delete the items I am disputing to correct my Credit Report from fraudulent information. The most recent letter I sent was XX/XX/2022 yet another request to remove the names, addresses and accounts that are completely UNKNOWN to me. I have read enough to understand my rights and according to FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/2022. Ive already included this in my previous Complaints & I am including it again : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXC XXXXX Balance {$0.00} XXXX XXXX XXXX XXXXX Balance {$770.00} XXXX XXXXX XXXX {$0.00} XXXX XXXXX Balance {$850.00} XXXXXXXX XXXX XXXX XXXX Balance {$83.00}
Product: Credit card or prepaid card

XXXX XXXX XXXX CapitalOne Bank Prepaid Personal Credit Cards To whom it concerns : I have just received a Statement from Capitalize by mail. This statement dated XXXX XXXX XXXX regarding XXXX XXXX account for account holder XXXX XXXX XXXX ending in XXXX. 
This statement reflects charges you placed on the account after this account was paid in full and closed by the myself, XXXX XXXX XXXX ( account holder of record ) by phone on XXXX XXXX XXXX. There is record of this conversation. 

Your information on statement with billing cycle XXXX XXXX XXXX - XXXX XXXX XXXX is wrong. 
All provisions were taken at the time the phone call was made to your billing dept. on XXXX XXXX XXXX to insure all information was up to date and any and all charges were paid in full. 
You have kept the account open. You have added charges. You have billed for transactions you placed on this account well after it had been closed by the card holder. 

All of these actions on your part are illegal. These charges are not the responsibility of the card holder and will not be paid. 
Attempts contact you online have failed. Your company has fail safes in place that prevent the card holder from accessing any and all online resolution services and complaint procedures, as the account is listed as currently " suspended '' rather than closed. 
This is a violation of what was requested by myself ( the card holder ) You are to cease and desist any activity on this account. No interest charges or fees are to be added onto this account. No negative credit reporting due to your questionable billing practicing will be tolerated.

Further, complaints have been filed against you with The Federal Trade Commission, Better Business Bureau, and The Consumer Financial Protection Bureau. 

It is expected you will ignore this correspondence due to past experience attempting to communicate with your Company. I advise that you do not. 
Action will be taken against you if you do not clear these fraudulent charges from the account and process the card holders previous request to Close this account. 

I await your reply XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank is reporting inaccurate information to all 3 credit bureaus. The dates last active and last reported are all inaccurate along with a payment history showing years after the account was paid off and closed in 2016. I have filed complaints with all 3 bureaus who never corrected the information when I disputed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection - XXXX - {$90.00} I have no affiliation with this company Amsher or XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I sent several complaints out about bankruptcies being on my credit report. XXXX # XXXX and # XXXX was obtained through the XXXX XXXX which is against consumer law 15 U.S.C 1681a ( e ). 
XXXX XXXXXXXX was removed from my XXXX Report on XX/XX/2022 that came back as unverifiable but also stated in same letter that # XXXX was verified? How is that when the bankruptcy courts don't furnish that information and I never gave permission per 15 U.S.C 1681 Section 604 A Section 2 to XXXX to provide my XXXX XXXX  to the credit reporting agencies.
Product: Credit reporting

TransUnion previously deleted inquiries and they were added back without notifying me in writing. According to FCRA Section 611, that is a violation of federal law. Please remove all inquiries
Product: Credit card

The XXXX  XXXX XXXX informed me there was Fraud on my XXXX ending in XXXX. Because I was retired Vice President with ( XXXX ) the company that was bought out by Bank XXXX XXXX I was told they would issue me a new Card and have it delivered immediately. I immediately went on line to XXXX who I have an account with to report the Fraud. I was unable to contact anyone from XXXX, by on line service, and/or telephone I have spent a minimum of five hours attempting to get through both ways with negative results. Today XX/XX/year> I received an electronic notice from XXXX informing me that my monthly payment was declined and to contact XXXX immediately. After attempting to contact them I was once again unable to get through on line an/or by telephone. Because I can not get through either way I want to immediately cancel any further service from XXXX However I can not get on to Cancel their terrible service. What will I do because I have a Freeze on my Credit report and can't even contact them to remove freeze. 
Right now all three Credit bureaus should Have a Block on Credit Card ending in XXXX please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX  that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor. Please correct the misleading information on these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax leaked my private data. That 's not okay.
Product: Credit reporting or other personal consumer reports

This is my second 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 XXXX XXXX , XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX , CA XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX XXXX XXXX XXXX , XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

M & T Bank holds my loan for my house at. This was a VA loan that I assumed from the old owner, assumed approximately XX/XX/XXXX. Regarding property insurance, my spouse and co-owner submitted our proof of insurance from farmers at least 3 times to M & T Bank, this was a condition of assuming the loan. The old owners held their insurance through XXXX, apparently their policy wasn't formally cancelled until XX/XX/XXXX, after XXXX sent a bill to M & T for insurance for the following year totaling approximately {$3600.00}. M & T paid the XXXX bill without verifying the names currently attached to the loan. 
This could have been an employee or a computer error. Through phone calls first to procure my first mortgage statement M & T had put the old owners new address down as my mailing address along with a there phone number, it took several phone calls and reentries to get this straightened out, if it is straightened out. There were letters and bills that were apparently sent out but the went to the wrong address. Under an assumption with M & T bank there is no capability of adding online access to the new home loan owner. Additionally the employees I have spoken to over the phone are not authorized to send pertaining documents to me. 
M & T did their own escrow analysis and increased my monthly mortgage by approx. {$300.00} a month to cover the Mortgage. I have ordered a new escrow analysis twice, several employees have confirmed what I described is what happened. M & T has provided me with the old owners XXXX policy number and advised me to contact them, explain the situation and once a refund is issued a new escrow analysis can be performed and in two or three months the payment will revert back to the original value. M & T is not authorized to contact XXXX themselves. However XXXX can not issue a refund to me for the old owners policy number because I am not listed on that policy. I paid the incorrect amount in for XXXX because I was afraid of going into delinquency. After being promised I wouldn't be held responsible for late fees or reported to the credit bureaus if I withheld payment until this was resolved I received a letter dated XX/XX/XXXX stating they were correct to report me. I then paid XXXX bill in the correct amount that they state is {$300.00} short.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 Monarch Recovery Management Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX This letter is to inform you that i have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that i am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 
Please attach copies of following documents : -Agreement that you have authority to collect on this alleged debt. 
-Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
-Complete payment history on this account, to prove that the amount you wish to collect is correct. 
Sincerely XXXX XXXX
Product: Debt collection

Hello I'm requesting help with a verification of debt with XXXX XXXX XXXX. I wrote them on XX/XX/2018 and they never responded.
Product: Checking or savings account

XXXX  XXXX, XXXX Ca closed. No way to cancel my membership now as XXXX XXXX  tells me I have to go to the location too cancel membership. There doors are locked, and they are closed. There is no way to cancel. I can't stop XXXX XXXX Monthly EFT from my Wells Fargo account as a result. WF tells me they will charge me a {$31.00} fee to stop payment on XXXX XXXX This is wrong, and not fair. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get XXXX XXXX XXXX to remove inaccurate credit reporting information for over 4 years. Recently, because of an investigation by the credit report agencies and Education Ombudsmen it was discovered that my mail forwarding address from XXXX XXXX, when the loan was transferred to XXXX XXXX XXXX, was inaccurate. I have never lived at the address listed from XXXX of XXXX and did not receive mail at my correct address during this time. As a result XXXX XXXX put my account as delinquent without any notification having been received. My account has since remained in good standing. I have tried to have this resolved NUMEROUS times filing disputes, talking to supervisors, and even getting the Ombudsmen involved to no avail. XXXX XXXX servicing always says that the reporting information is correct when in fact it is not. This violates the Fair Credit Reporting ACT which I have made them aware of numerous times. THEY ARE NOT COOPERATIVE AND DO NOT PROVIDE ACCURATE INFORMATION. This has caused me great financial distress. I have been denied auto loans and could not secure housing because of this on going issue.
Product: Credit reporting or other personal consumer reports

I finally looked at my credit report. I saw a bunch of items that are not mine. These items should not be on my credit report. They are not mine
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for Search failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has closed the account on their end and is discontinuing any further pursuance due to possible HIPPA violations. As neither XXXX  nor Equifax can produce a medical release signed by me the accounts need to be deleted immediately.
Product: Credit reporting or other personal consumer reports

Contacted company a little over XXXX XXXX ago to opt-out of sharing XXXX  personal information/data to XXXX  parties ( Experian, XXXX, XXXX ) XXXX XXXX  consumer report still has not been updated and its been past XXXX  days. They are in violation of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I would like the specific account removed from XXXX XXXX exercising XXXX XXXX pursuant to XXXX XXXX. XXXX Obligations with respect to disclosures of personal information and XXXX XXXX. XXXX Opt-Out enforcement which all coincides with the United States XXXX XXXX XXXX Privacy Act of XXXX  establishing a Code of Fair Information Practice.
Product: Checking or savings account

I was a college student 4 years ago and I had a new bank account and my card was stolen and transactions was made on a acct with XXXX dollar balance the bank was requesting me to pay nsf charge for something I wasnt responsible for.
Product: Debt collection

A supplier sent us an ice maker that we received damaged. 

We contacted the supplier and they replaced the item and said they would make arrangements to pick up the damaged item. 

XXXX XXXX ( XXXX ) came and picked up the item. We never spoke to XXXX or administered the pickup. 

A few months later XXXX sent us an invoice for the shipment ; we contested it and reached out to the supplier to confirm. Both entities said they would correct it. 

XXXX has since been harassing us for payment and involving other collection agencies who despite our supplying documentation, have continued to harass us regarding this erroneous charge. 

I want to make sure it does not impact our credit standing or reflection of reliable payment history. 

Thank you
Product: Debt collection

LCA Collections in XXXX GA combined two bills with different dates of service XX/XX/18 and XX/XX/18 in the amount of {$45.00} each which were turned over on XX/XX/18 and combined the two in order to collect {$90.00} and that is how it is reporting on my credit report. Please investigate this improper collection practice due to the fact anything {$50.00} and below should not report to credit bureaus. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute regarding the inaccurate bankruptcy records on my credit report. XXXX responded with a letter confirming they were unable to complete the reinvestigation within the required timeframe and as a result deleted bankruptcy XXXX. The original dispute involved both bankruptcies listed on my credit report and both should have been removed. My case was withdrawn and I did not go to court. I have submitted proof previously. Please reference the following FCRA requirement : ( d ) Information Required to be Disclosed ( 1 ) Title 11 information. Any consumer reporting agency that furnishes a consumer report that contains information regarding any case involving the consumer that arises under title 11, United States Code, shall include in the report an identification of the chapter of such title 11 under which such case arises if provided by the source of the information. If any case arising or filed under title 11, United States Code, is withdrawn by the consumer before a final judgment, the consumer reporting agency shall include in the report that such case or filing was withdrawn upon receipt of documentation certifying such withdrawal.

In accordance with your failure to complete the reinvestigation in the required timeframe both bankruptcies should be removed.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting or other personal consumer reports

This is my second time disputing inaccurate and fraudulent accounts found on my credit report. After receiving my consumer report in the mail last month, I started to dispute with all the companies involved. I My information has been leaked multiple times because of data breaches with companies such as Experian, XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX I feel like I'm being ignored. Someone has used my information to open up account in my name. 
I am writing to dispute inaccuracies on my credit report formally. I know the recent findings by the Consumer Financial Protection Bureau ( CFPB ), highlighting that XXXX has engaged in improper practices when handling consumer disputes. Specifically, the CFPB has alleged the following : 1. Failure to Properly Investigate Disputes : Conducting sham investigations that fail to adequately address consumer concerns, including using faulty intake procedures and failing to notify consumers about investigation results.

2. Reinsertion of Inaccurate Information : Allowing deleted inaccuracies to be reinserted on credit reports due to a lack of proper matching tools and safeguards.

3. Violation of the Fair Credit Reporting Act ( FCRA ) : Failing to adhere to federal requirements regarding dispute resolution and accuracy in consumer reports. 
As per these allegations, I am concerned that the inaccuracies on my report may have resulted from such practices. The disputed information includes showing proof that my personal information has been leaked and used for another persons gain, without my knowledge.
Product: Checking or savings account

On XXXX I submitted letters to chexsystems because they have me listed for checking account fraud I requested les it has been well over 60 days with no response I feel like I'm being taken advantage of this is a violation of the FCRA act by failing to provide accurate disclosures to a consumer when they have an active fraud alerts on their accounts I am repeatedly denied bank accounts because I have fraud notations on my chexsystems report I ordered XXXX and there is no mention of fraud chexsystems is failing to provide me the same information that they are providing the banks they're hiding the fraud designation in the XXXX I've spoken with someone at XXXX  XXXX XXXX and they informed me that no money was taken I'm being misled by these disclosers and I demand that these checking account fraud notation be removed or I will le litigation due to the stress they caused me my information was also impacted by XXXX data breach and may have gotten into the wrong hands
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. MY PURSE INCLUDING MY PERSONAL INFORMATION WAS STOLEN. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/year> ADVISING OF ACCOUNTS AND REQUESTING VERFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 XXXX I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX