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

I am writing to lodge a formal complaint against XXXX, XXXX, and Equifax for multiple violations of my federally protected consumer rights as stipulated under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681, 1681i ( 5 ), and 1681s-2 ( A ) ( 1 ). 

I have previously contacted XXXX, XXXX, and Equifax to reinvestigate inaccuracies in the reporting of my account details. The accounts in question are as follows : ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX Despite my explicit requests for reinvestigation, all three agencies have concluded that the information was complete and accurate. This conclusion is impossible, given that the data concerning open dates, dates of last activity, among other details, are incorrect. This misreporting is a direct breach of 15 USC 1681i ( 5 ), which mandates that consumer reporting agencies must correct and update incomplete or inaccurate information.

Furthermore, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is unlawful for any person to furnish information to a consumer reporting agency if they know, or should know, that the information is inaccurate. It is evident that this statutory requirement has been disregarded, thereby jeopardizing my right to privacy and confidentiality, as well as exposing me to potential financial and reputational harm.
Product: Credit card or prepaid card

On XX/XX/XXXX I requested a charge back to my credit card. The charges totaled {$14000.00} for services that were never completed and that were falsely represented by XXXX XXXX XXXX. 

I hired this company and paid through a merchant account named XXXX and have spoke to them as well. They informed me they were aware that this company owned by XXXX XXXX was recently in court practicing law without a license and has had serious criminal history regarding violent offenses and illegal check fraud. 

The services I hired him for were never completed, and not of legal authority by XXXX XXXX. The services were a fraudulent " debt remedy '' process that I soon found out from XXXX XXXX ( the district attorney at the Colorado Supreme Court who found him guilty ) that they are not legally sound practices, nor are they going to be able to " remedy '' my debt as they had claimed. 

I have provided Chase Bank with all supporting documents from XXXX XXXX XXXX showing what I had paid for as well as proof of communication from XXXX XXXX stating that he was going to provide a refund. This refund never happened and he is now on the run and hiding from the FBI. I also provided them with multiple documents from the Colorado Supreme Court proving that this happened to me and several other victims of XXXX XXXX XXXX. 

OnXX/XX/XXXX, I received a letter from Chase Bank stating that they found the charge to be valid and that they would not be able to issue a charge back for the fraudulent services that I was lied to and deceived into. 

On XX/XX/XXXX, I went and spoke to an associate at a local Chase Bank branch and explained to him my situation. He initiated another claim and helped me submit all supporting documentation and told me that it should be more than enough information. 

On XX/XX/XXXX, I spoke to the disputes department at Chase Bank and was told that my case was still under review. 

It is now XX/XX/XXXX, six months after I initiated this second dispute, and it still has not been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a credit account (   XXXX   XXXX   ) that is missing on my Equifax credit report. I contacted Equifax several times to correct this problem.   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX  ,  XXXX , NE,  XXXX  need to be included on my credit report. This credit was opened in  XXXX /2017. The credit stated that they sent the account information to Equifax but Equifax refuse to add this credit to my report. I would like this creditor added immediately.
Product: Credit reporting or other personal consumer reports

THERE AR A LIST OF INQUIRIES ON MY REPORT THAT I DID NOT APPLY FOR, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX I NEVER HAD OR GIVEN ANY CONSENT FOR THIS ACCOUNT XXXX NEVER HAD THIS ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX ARE REPORTING LATE PAYMENT THAT ARE INCORRECT
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter on XX/XX/XXXX regarding unknown and inaccurate information on my credit report. As of this date ( XX/XX/XXXX ), which is more than 60 days later, I still have not received any response. I am under the impression my disputes, my claims, as well as myself are being disregarded and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the Equifax data breach whichmay have gotten into the hands of unauthorized individuals.
Product: Debt collection

Have communicated with this company about this debt. They are in violation of XXXX laws reporting this debt on my credit report without providing adequate fully complete information to substantiate the debt i do not owe nor benefit from.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a loan for my car with Santander consumer on XX/XX/XXXX and authorize them to run a credit report on that day, all paperwork and account information was done and I got the loan, the day after that XX/XX/XXXX I have another hard inquiry from Santander and I did not authorized that one and I don't see why they would check my credit again for no reason. I called them and explain and they referred me to the 3 credit bureaus so I called them and they told me that this is coming from Santander and they needed to provide a deletion letter so the credit bureaus can remove that from my credit report, I circled back with Santander and this time they told me that they don't offer those letters and that there was nothing they could do and that if I wanted I could create a fraud report so an investigation can be done and that can be removed from my credit, so here I am, hopefully this can be resolved, once I get the letter or the report of fraud I can send that to the credit bureaus so they can remove that from my report.
Product: Debt collection

I consumer XXXX XXXX reviewed a copy of my credit report and understand that Credit Management LP is violating my rights by trying to collect an alleged debt that they are trying to defame my character by placing it on my credit report. I will not continue to allow my right as a consumer to be violated. Under 15 USC 1692, I have laws that protect me as a consumer. This company has violated these laws and I am demanding a remedy and deletion of this account. 15 usc 1692 a ( abusive practices 15 usc 1692b communication by post card 15 usc 1692 c communication 15 sc 1692d harrassment 15 usc 1692e false or misleading representations 15 usc 1692 f unfair practices
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX put a delinquent amount on my credit report without making me aware of it. Ive not received one piece of mail from XXXX at my new address regarding the amount owed. Ive always been compliant and paid on time. I did not receive any notice at my new address regarding the amount owed and only know about it because its on my credit. I should have 30 days to respond once I get something in the mail. Ive changed address and have not received anything from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting industry does not provide accurate credit scores that the mortgage lenders are using. For example XXXX  gives you a XXXX Score XXXX, but lenders use XXXX score XXXX. There is a substantial difference between these scores and there is no explanation as to why there is such a difference. I have a great history on payments for mortgages and auto loans. I have never been late on either and have payed off mortgages and auto loans in the past. I have never foreclosed on a home loan nor short-saled, I have never had my cars repossessed, yet my XXXX  score for the mortgages and auto is much lower than what the XXXX  score being reported to me is, by almost 72 points. I am being told there are different models for determining scores for mortgages and auto loans. I don't understand why there are different models and why we can't get the formula for determining our scores ourselves.

It seems to me that this is a tactic lenders are using to justify giving you a higher interest rate to good paying consumers. It's an unfair practice and this industry needs regulations. Right now consumers can not dispute their scores only their credit reports. It is in my opinion that a consumer should have the right to know how XXXX determines your scores for mortgages and auto loans. There should only be one score that is used by lenders, whether applying for a credit card, an auto loan or home loan and not this convoluted system they've created to scam people out of more money.
Product: Debt collection

I what to know HOW u take late rent deposit that was XXXX and security deposit of XXXX and the whole walk through of the apartment with apartment management at the time I have the paper he checked all PROBLEM and no problems .The funny thing about everything I moved out in XXXX XX/XX/XXXX And I what to know how u change a person move on date when I moved in on XXXX XXXX and I know you can't a person move date ur first lease is the right lease agreement u make and they change it to XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XX/XX/year>2023 and XX/XX/year>2023. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX XXXX XXXX card was underwritten by Tidewater Finance Co out of XXXX, VA I opened the account at a XXXX XXXX store in XXXX XXXX, NV. in XXXX or XXXX. XXXX XXXX no longer has this option and the accounts were closed. I still paid my payment on time, every time, and usually more than the minimum. 

Last month, my payment is due on the XXXX of the month, I paid it a few days early and PAID IT OFF. Now, they are charging me more interest on a {$0.00} balance!!!!! 

I tried speaking to them today, the first man, XXXX, didn't speak English ( and neither did the receptionist ) which is frustrating as it is. XXXX corrected my address and SAID he put in a request to management to remove the charges. Never said it would be done and REFUSED to send me an email confirming that he changed the address and that he submitted for the account to be cleared. I asked to speak to a supervisor and was given to XXXX, who still had an accent, but not as thick and I could at least understand him, however, he couldn't comprehend English either. Found out that the 1st guy spelled my new city and street name wrong, so he corrected that ( I hope ) and again, REFUSED to send me an email confirmation on anything. Said they cant send out confirmations, only on payments. And he can't send anything out until management clears the account. Then they will send some letter. My payment is due next week. I'm concerned that these people will not do as they say and my credit is going to be impacted. How can they get away with charging interest when the account was paid in full before the due date? That would mean that every time you make a payment in full, they are going to charge you interest so you never pay off the account. 

Something needs to be done with unscrupulous companies such as Tidewater Finance Co. I would never recommend this company to anyone. They have outrageous interest rates to begin with, which is why I always tried to pay much more than the minimum on this account.
Product: Money transfer, virtual currency, or money service

I was scammed out of {$500.00} from an individual claiming to be a mechanic for an auto body shop. My friend had backed into someone in a parking lot of a motel. This person said he would handle it for the said amount. Tuns out this person just took the money and ran. I had transferred the funds from my cash app account. I had made a refund request but cash app said that they can't do anything til transaction was completed. But I received a message saying that the transfer was complete and they couldn't do anything else there of.Now just what went wrong here I'm really confused. Please help.
Product: Debt collection

I have been getting phone calls from a company by the name of XXXX XXXX, saying they were following up on a claim filed through XXXX XXXX. When I asked questions they got rather hostile. Told me that I needed to provide credit or debit card information to clear my debt. Said that they were real company because they knew my social and address. What raised a red flag, was that he said he called my job at XXXX XXXX and then he said he know I also worked at XXXX XXXX. I never worked at any of these companies. He then said he was going to file something against XXXX XXXX XXXX XXXX  XXXX. I looked up websites for both XXXX XXXX XXXX and XXXX XXXX XXXX and came up with nothing. He said I had other judgments/civil cases against me, which I am well aware that this is public record. When I asked him where could I find this information he had no viable answer. They also have been calling my sisters phone to get in contact with me. The number they called from was ( XXXX ) -XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX Account XXXX : # XXXX It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. 
Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I have made all my payments on time, but I am still seeing XXXX missed payment on my credit report from the 3 credit bureaus ( Experian, XXXX and XXXX ) I filled a dispute from all the XXXX bureaus and that was corrected after the investigation but few weeks later, as of today XX/XX/year> it is showing again that I have a missing payment. This is going to affect my home purchase. Please help me to correct this
Product: Credit card

on XXXX i decided to finance a motorcycle ( total amount financed {$16000.00} ) later on it was involved in an accident on XXXX and deemed a total loss by the insurance company XXXX and payment in the amount of {$13000.00} was issued. This amount was paid to XXXX XXXX XXXX on XXXX. With the remaining balance paid through the GAP insurance in two separate payments, one in the amount of {$990.00} and the other in the amount of {$1500.00}, both paid to XXXX XXXX XXXX. 

Payment was sent directly to the financial institution, in error the payment was added to the wrong motorcycle I also have financed with them months later ( {$12000.00} ) whose total amount was less than the payment that was issued. 

Due to no error on my behalf payment was added to the incorrect motorcycle ( {$12000.00} ). After numerous attempts to correct the issues, I was told that nothing could be done and that I would be liable for the amount that is still due on the motorcycle that was deemed a total loss. As it stands this error will cost me {$120.00} more a month which is about {$1.00} XXXX in one year.
Product: Checking or savings account

On XX/XX/XXXX Chase had alerted me and said that they thought fraud was taking place on my account for {$150.00}. I agreed that that charge was fraudulent and locked my card. Chase authorized a new card to the account. After my card was locked and they reissued a new card my account they allowed for a total of 27 charges. 
{$150.00} charge nine times {$63.00} is charged once {$40.00} was charged once {$2.00} is charged eight times {$2.00} charge once I had a meeting with one of the bank specialist to figure out how this happened. They said they're able to access my digital wallet they would return the funds charged by XXXX XXXX. And that it would take two days. However the only reversal that was made was {$2.00}. and then they found that the other charges were not able to be refunded because the scammers had my card information... 

For Chase to alert me that there is from my account but still don't allow 26 more fraudulent transactions is a failure on their to part to protect my money.
Product: Credit card

When purchasing a computer at the Best Buy XXXX XXXX store in XXXX XXXX, Kansas on XX/XX/year>, the sales agent told me that I could save {$45.00} if I signed up for a Best Buy credit card. It was not until after completing the purchase that I was provided with any information about the terms and agreements for the card. At that point, I realized that I was not saving {$45.00} but rather would receive {$45.00} in rewards that can only be redeemed at Best Buy. When these rewards finally posted to my account on XX/XX/XXXX, I saw that the points expire on XXXX XXXX, 2024. I have no immediate needs for additional technology purchases, and so in no sense have I " saved '' {$45.00}. Rather, this is a scheme to force me to spend even more money at Best Buy. The sales agent did not disclose, and in fact misrepresented, the terms of the credit card agreement. On XX/XX/XXXX I called Citibank who is the card issuer because of problems with activating the card. The agent at Citibank acknowledged the fraudulent nature in which Best Buy had issued the card, and encouraged me to call the manager at the Best Buy store. I immediately did so. On the first attempt, XXXX hung up on me. On the second attempt, XXXX told me that rather than putting me through to a manager he would request a call back that I would receive in XXXX to XXXX hours. When 24 hrs later I was still waiting for a call I called ( XXXX ) XXXX again only to discover that I was NOT talking to someone at the store as I thought but that the calls had been routed to a call center. I spoke with XXXX who indicated that my case had been marked closed, and routed my call back to Citibank -- who I already had talked to yesterday thereby being thrown into a hopeless circle with Best Buy refusing to acknowledge or take responsibility for its fraudulent actions.
Product: Credit reporting or other personal consumer reports

Dear CAPITAL ONE AUTO FINANCE, I am writing regarding an unauthorized credit inquiry from your organization that appears on my credit report. Specifically, the inquiry in question is : CAPITAL ONE AUTO FINANCE, dated XX/XX/2023. Under the Fair Credit Reporting Act ( FCRA ), credit inquiries are permitted only when there is explicit authorization or a valid permissible purpose, as defined under 15 U.S.C. 1681b. After reviewing my records, I found no instance where I authorized this inquiry or had dealings with your organization that would justify accessing my credit file. This inquiry constitutes a violation of my rights under the FCRA. To resolve this matter, I am demanding the following : Immediate removal of the unauthorized inquiry from all credit reporting agencies ( XXXX, XXXX, and XXXX ). Payment of {$1000.00} as damages, in accordance with statutory penalties for non-compliance with the FCRA. Should you fail to comply with this request within XXXX  days, I will escalate the matter. This includes filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Missouri Attorney General. I will also pursue legal remedies, including arbitration or small claims court, to recover damages. If you believe this inquiry was authorized, you are required to provide evidence, including a signed authorization or documentation demonstrating a valid permissible purpose, within the same XXXX timeframe. Please confirm in writing that the inquiry has been removed and payment will be made. Thank you for your immediate attention to this matter.
Product: Student loan

This is my issue with Navient I called and asked about a payment plan and was given XXXX and then they want back on their word. They told me that the lady made a mistake when she told me that. I felt like I should have honor what was told to me.
Product: Credit reporting or other personal consumer reports

I am writing to you yet again regarding a persistent issue on my credit report concerning my XXXX account XXXX Despite my multiple previous letters, the error has not been rectified, and I must insist on your immediate attention to this matter. XXXX has confirmed that a mistake occurred due to an issue with their recording software, which resulted in my payments not being processed accurately. Consequently, my account has been inaccurately reported as delinquent. XXXX  has acknowledged this error and has agreed to update the status of my account to reflect that it is open and never late. They have assured me that they have communicated this correction to all relevant credit reporting agencies. Despite this, the erroneous information remains on my credit report, unjustly affecting my credit score and financial standing. This is causing significant distress and potential financial harm, and it is imperative that this error be corrected without further delay. 
XXXX XXXX