23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company has called me multiple times this month, almost every week. They call off of the same number or different numbers. I received my first call on XX/XX/XXXX, then again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX. They have also left me voicemails one on XX/XX/XXXX, XX/XX/XXXX. I have told the company to STOP contacting me as I never was able to speak with the sole person who was in charge of my debt. They sold it to a collections agency before I could even make a payment.
Product: Credit card

I paid my Chase Amazon credit card in total on XXXX XXXX and they charged me interest XXXX. I called and asked for them to drop the interest charge since the credit card bill was paid in full and I have XXXX credit cards with Chase. 

They refused - how are customers supposed to feel they are financial paid off if the credit card companies continue to bill them interest. I have not used that card since I paid if off
Product: Vehicle loan or lease

This is my first dispute regarding Santander. Santander is reporting an unlawful repossession on my consumer reports. I sent a request for all the documents they have in their possession pertaining to this unlawful reporting. I was not provided everything. I did not receive the Commercially Reasonable Manner of the Transaction letter, I did not receive the XXXX disclosures that all financial institutions and XXXXne of this is the disclosure of institution privacy policy. According to 15USC 6802 a financial institution may not disclose nonpublic information to nonaffiliated third parties and i did not sign anything and it wasnt provided with the documents santander sent. Santander has repeatedly violated the FCRA and my consumer rights and now I am demaning this unlawful repossession be deleted from my credit reports immediately.
Product: Credit reporting or other personal consumer reports

- These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this problem multiple times with the company and they still wont fix the problem.

I am a natural person, I am a living human being, I have rights under 15 USC 1681. TransUnion is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give TransUnion written permission to furnish these accounts. Inquiries
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Request for Accuracy and Reinvestigation of Charged-Off Account Under the Fair Credit Reporting Act ( FCRA ) Dear XXXX  XXXX, I am writing to formally request a reinvestigation of the charged-off account associated with my name and/or account number XXXX in accordance with the Fair Credit Reporting Act ( FCRA ). I believe there may be inaccuracies in the reporting of this account to the credit bureaus and wish to ensure that all information being furnished is accurate, complete, and up to date. The FCRA requires that furnishers of credit information maintain strict standards of accuracy, and I would like to verify that the information reported by XXXX XXXX complies with those standards. To assist in your investigation, I am requesting the following : 1. A detailed review of the information associated with the charged-off account.

2. Verification of the accuracy of all reported details, including dates, amounts, and any relevant history.

3. Correction of any inaccurate or unverifiable information.

4. Written confirmation of the outcome of your reinvestigation, including any changes made to the account information. 
Please complete this investigation within the time frame prescribed by law and notify me of the results in writing. If additional information is needed, please do not hesitate to contact me. Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your reinvestigation and any corrective actions taken. Sincerely, XXXX XXXX
Product: Debt collection

Since 2022 I have attempted to dispute a debt with the XXXX XXXX XXXX XXXX XXXX XXXX ). My dispute claims have gone unanswered. XXXX has no sent me to a collection agency, XXXX XXXX XXXX XXXX. XXXX has also sent notice to the State of Alaska to have my PFD withheld. This is in all in addition to reporting this disputed debt on my personal credit reports. When I received a phone call from Conserve identifying they had received the account from XXXX as a debt for collection I informed them it was in open dispute with XXXX directly. I also asked for the address to send them a copy of the dispute as well as written dispute specifically regarding the collection activity. They refused stating they had already sent me a letter. I was driving my car and could not take their phone number down. The number was masked on my caller ID as well. I explained this and was still denied any assistance to be given contact information for later to send in my dispute on the debt. Additionally, XXXX has been nonresponsive to my dispute. I have finally reached out to the XXXX of XXXX directly for assistance. The origination of the issue is explained in the supporting attachments. XXXX has ignored my dispute, enabled by Conserve. They have continually upped the collection actives rather than answering the original complaint. Conserve has failed to acknowledge my dispute status or provide reasonable avenues to properly dispute the account.
Product: Mortgage

This is the final time going to let Bank of America know that I have indeed submitted insurance information and documentation to them. It was submitted via the CFPB in XX/XX/XXXX and it was one of the complaints that BOA simply did n't read ( obviously ) and simply provided a cut and paste response. The consequence to this is that Bank of America is falsely accusing me of not paying my full mortgage, which I have been paying, and plain and simple, Bank of America is wrong, that information/documentation was provided, it 's well documented, Bank of America was just negligent in handling the information ... I 'm writing this message/complaint just as further documentation that Bank of America was provided the information and it is now up to Bank of America to make the many corrections to the account as obviously all balances are incorrect, there should be no fees, the account should be adjusted and returned to where this never occurred ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/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 ; XXXXXXXX XXXX Date of inquiry : XX/XX/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 XXXX XXXXXXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX XXXX XXXX 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 ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXXXXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX won't send me my phone. I believe its being accessed by someone unauthorized. And then won't sent any information about it
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX and XX/XX/XXXX. It is now XX/XX/XXXX and even though 2 bureaus stated they would begin the investigation and forward me the results, I STILLl have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Product: Debt collection

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : XXXXXXXX XXXX XXXX XXXX Account Number :
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXXXXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, I took out a personal loan for {$25000.00} with an interest rate of 14.99 %. It was a XXXX loan with 60 monthly payments. 

During XXXX, between XX/XX/XXXX and XX/XX/XXXX, the bank informed us that we could skip payments due to the national emergency, and those skipped payments would be added to the end of the loan. 

However, after making the final XXXX payment, we were told that although the payments had been skipped, interest had been accumulating during the months the payments were skipped. Now, we are being asked to pay the total accumulated interest in one lump sum, which is over {$2700.00}.

I was never informed about this when I was told about the option to skip payments. I asked if any documentation had been provided to me, but I was told there wasn't any. PenFed claimed that I was informed over the phone, but beyond that, they had no other information available, such as a letter, email, or voice recording.

When I called PenFed to try and resolve the issue, all they told me was to pay the amount they disclosed and, if I couldn't, I could take out a loan to pay them. This issue started two months ago, and at first, they couldnt even explain why I owed them. After making several calls and spending hours on the phone, pressuring them to investigate, I continued to receive multiple harassing calls per day for weeks, despite having an ongoing case with them. 

Its been an incredibly frustrating experience. I cant believe I thought they were helping me during XXXX, but instead, it feels like it was just a way for them to make an additional 35 % profit on top of the agreed amount.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the numerous attempts I have made to correct a late open account and remove a charge-off from my credit report. Despite my persistent efforts, these items persist on my credit report, causing significant financial distress and impeding my ability to secure credit and financial opportunities. 

I have made multiple good faith attempts to dispute these items through your bureau, providing supporting documentation and evidence of inaccuracies. Despite this, the late open account and charge-off persist on my credit report. 
Requested Resolution : I request an immediate and thorough investigation into both the late open account and charge-off to validate their accuracy. If found to be inaccurate or unverifiable, I request their prompt removal from my credit report. 

Additionally, I request a written confirmation once these items have been corrected or removed, along with a detailed report outlining the investigation process and resolution. 

Please acknowledge receipt of this complaint within the exact timeframe and provide a designated contact person for further communication. I am asking for your assisstance to remove or correct these accounts in my credit file : XXXX XXXX Balance Owed : {$4500.00} Date Opened XXXX XXXX/2020 - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX Balance Owed : {$0.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Credit reporting or other personal consumer reports

Hello, after looking over my credit report I am upset. All these inquires where not permitted by me. Not only are they incorrect, by them reporting and being visable this is commiting aggravated identity theft. These are unathorized and were not verified by me. I have called the credit bureaus send over XXXX letters. Please remove these inquires.
Product: Credit reporting or other personal consumer reports

On numerous occassions I have disputed the account XXXX XXXX XXXX Account number : XXXX. You keep reporting inaccurate information on this account. I can prove in the court of law that you are reporting incorrect information on this account. Because of the constant dispute of this tradeline and you ignoring the Federal Credit Reporting Act that only accurate information be reported on my credit file, for the VERY LAST TIME, I need you to do your job and either correct this information or delete it for inaccuracy. I will not be disputing this account again after this complaint as I will be filing for in court for violations of the Federal Credit Reporting Act and asking for damages for for willful and negligent violations. By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and if not corrected removed from my report. It is my understanding that you will recheck this item with the creditor who has posted it. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. I have attached a copy of my Passport and Social Security card for identification purposes.
Product: Debt collection

The company Applied Business Service at XXXX XXXX XXXX, XXXX, NC XXXX is in violation of the Fair Debt Collection Practices Act ( FDCPA ), by using false or misleading language in an effort to collect a debt not owed. I've never done business with them before and they don't have a contract with my signature on it. 

I've requested information from them previously and they've never gotten back with me with the required documents.
Product: Checking or savings account

I had XXXX transactions with Citibank, XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX, both for XXXX XXXX. I contacted the hotel since the guest I paid the reservation for became ill due to substandard conditions at hotel, but they offered no compensation and were unsympathetic. I contacted the corporate office, they didn't respond either. And I disputed the amounts with my bank, but after offering provisional credits they subsequently reversed them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX no XX/XX/2021 to validate debt with documentation No response. Sent another letter on XX/XX/2021 requesting debt be removed for failure to respond and send proof this is my debt disputed with Bureaus and provided proof item still remains on my file. This account is blocking my ability to obtain loan services
Product: Credit reporting or other personal consumer reports

Please check the information concerning the XXXX data breach below in attachments.
Product: Checking or savings account

I ordered products from a merchant that I needed shipped by a certain time. The merchant still had not created the shipping label for the product by the promised time for delivery. I requested a refund via email and they stated they would initiate that refund via email that same day. Weeks went by and I proceeded to contact the merchant because I did not receive the refund after 15 days. I have sent multiple emails, direct messages on social media to no avail. I went ahead and filed a dispute with the bank and provided all documentation of my paper trail of trying to contact the merchant dozens of times, and them initially stating they will issue a refund. The bank denied my dispute regardless all of this and told me because it was due to an authorized transaction. I never told the bank it was not. I informed them that the product would not be to me on time, I was told I would get a refund and did not which is why I was disputing. After responding to their denial explaining to them that they need to reconsider because they have all the proof to honor my dispute, they told me that there is nothing else they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reference : XXXX on XXXX XXXX I hadn't use the devices and serviece from XXXX XXXX XXXX company because I returned them back and I have the proof for that. 
Return Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/2022 Status of shipping : picked up by shipping Agent XX/XX/2022 at XXXX XXXXXXXX XXXX XXXX OH XXXX as well I have the picture of the returned box as well the receipt. 
I send the Company several e mails I call them several times about that but no one tried solve them
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file my second CFPB complaint after a thorough review of my credit report revealed an erroneous late payment listed on XX/XX/XXXX. This late payment, attributed to the account XXXX with the account number XXXX, is entirely inaccurate. I can confirm that I have consistently made every payment on time, including the one for XX/XX/XXXX. 

As a consumer, I understand the critical role that consumer reporting agencies play and the importance of their responsibility to accurately report consumer information. It is disheartening to discover such an error on my credit report, particularly when it impacts my financial reputation. 

Therefore, I am formally requesting a thorough investigation into this matter. I urge you to provide proof of statements indicating that these payments were indeed late. If such proof can not be provided, I demand that the late payment entry be promptly removed from my credit report and that my payment history be updated to accurately reflect that all payments were made on time. 

I trust that you will give this matter the attention it deserves and take swift action to rectify the inaccurate reporting. I look forward to receiving confirmation of the investigation 's commencement and resolution within the stipulated timeframe. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

On 2001 my account was compromised and money was withdrawn out of my account. I reported it to the bank. They close my account and refuse to pay me my money XXXX years after they sent me a check for the amount that my money was removed and told me it was their mistake, this year they sent me a small check saying it was for additional conversation for any harm that I had they also sent me another form to fill out XXXX compensation Which I did and sent the forms that I had accumulated over the years for my rent not being paid my health conditions occurred from the stress and XXXX with my head condition And they told me that the information I sent was not enough and I need to send it more which is causing more stress and XXXX  feeling they giving me the runaround again reaching out for help me with this matter would before it takes another XXXX yrs I would appreciate it thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In order to follow up on the CFPB complaint I made to the credit bureaus on XX/XX/2022, I am submitting this one. When I checked my credit report, I found that some of the data certain accounts were reporting was inaccurate. The three credit bureaus must verify these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not acceptable to disregard these reporting accounts as unverified information without offering any justification within the legally required time range. The following false information in my credit report needs to be looked into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Owed : {$1500.00}. I want the credit bureaus to update these accounts since they are reporting false information.
Product: Debt collection

About 1 1/2 ago I found out Afni was on my credit report when I moved into my new apartment. The afni credit collector is affiliated with XXXX. The apartment building I was moving to had XXXX built in the rent and brought this to my attention as I had to set up a new XXXX account through them although I had already been with XXXX for several years prior. I called XXXX to try to figure out this account and they informed me after doing their investigation that this was actually under a XXXX XXXX NOT XXXX XXXX and they were unsure why it was hitting my credit. Ive been with XXXX now xfinity for almost 10 years and have never been in bad standing with them so I was really confused up until I called them and they did their investigation. I spoke with afni and they were very rude and told me I had to pay it still. I was able to dispute with the credit bureaus and it was removed. However, my credit was updated today and the same Afni account is back on my credit report reporting a delinquent account that is not mine.