23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

The company filed a lawsuit and has asked for summary judgment on a debt I am no longer obligated to pay according to the final order filed by the XXXX XXXX.
Product: Debt collection

I received a correspondence dated XX/XX/XXXX from Continental Service Group attempting to collect a debt in the amount of {$1700.00}. I immediately responded with my own correspondence disputing this alleged debt due to the fact that I had never been notified prior to the correspondence dated XX/XX/XXXXXXXX  that was previously mentioned. In my letter I requested verification of the alleged debt. I received a reply correspondence that did not verify any debt at all, but only claimed that this alleged debt was placed with their office on XX/XX/XXXXXXXX  ; that's almost three years ago. Another question I would have is why was I never contacted in nearly three years? I had no prior knowledge of this alleged debt up until the recent correspondence I received dated XX/XX/XXXX. This appears to be a form of gross negligence on the part of staff at Continental Service Group.
Product: Credit card or prepaid card

I had a quick silver credit card with Capitalone. I cancelled my card with Capitalone in XXXX. I paid the outstanding balance in full without adjustment of reward money as advised by customer service rep. I was told that Capitalone will issue me a refund card for the reward money amount in 10 working days. It is now XXXX and capitalone still has not paid the reward amount I had earned. I have called the customer service to given a different answer everytime. Instead the company sent me a billing statement with what it owes me in XXXX. I don't want to call Capitalone anymore.
Product: Mortgage

On XXXX XXXX, 2016, I faxed a copy of the " Request for PMI Cancellation Review '' to OCWEN Mortgage. It has been more than 15 business days since I faxed the form and I have not received correspondence from OCWEN indicating confirmation or a determination. On XXXX XXXX, I spoke with OCWEN Representative, XXXX XXXX ( ID XXXX ). She mentioned that her system indicated correspondence was received from me on XXXX XXXX, 2016 and XXXX XXXX, 2016. She was unable to see the correspondence to confirm receipt of the PMI Cancellation form. On XXXX XXXX, I sent an email to XXXXXXXXXXXX asking for confirmation and to request that they proceed with the cancellation expeditiously. On XXXX XXXX, I sent another email to XXXXXXXXXXXX asking ( again ) for a confirmation and to cancel PMI. On XXXX XXXX, I spoke with OCWEN representative XXXX ( ID XXXX ). He was finally able to confirm that the " Request for PMI Cancellation Review '' was received on XXXX XXXX, 2016. He stated that representative XXXX was still working on it. I indicated to XXXX that the XXXX XXXX, 2016 date was incorrect. The fax should have been received on XXXX XXXX, 2016 and that the 15 business day window has passed. He has forwarded my complaint to the Research Department. He said that I should receive a letter of determination on the PMI cancellation within XXXX business days of XXXX XXXX, 2016. He stated that I should receive a letter from the Research Department within 10 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

IT HAS NOW BEEN MORE THAN 45 DAYS WITHOUT A RESPONSE FROM THE BUREAUS ON INCORRECT ITEMS ON MY CREDIT REPORTS AND I AM REQUESTING THAT THE FRAUDULENT ITEMS TO BE REMOVED FROM MY REPORTS. ACCORDING TO THE ( FCRA ), A CREDIT BUREAU IS REQUIRED TO RESPOND TO YOU AND COMPLETED THEIR INVESTIGATION WITHIN 30 DAYS. IF THEY DO NOT RESPOND WITHIN THE 30 DAYS THEY MUST REMOVE THE NEGATIVE ITEMS BEING DISPUTED. I AM ALSO ATTACHING ALL COMMUNICATIONS.
Product: Checking or savings account

On XX/XX/2022 I had a charge of {$900.00} made on my card from XXXX. 
I do shop on XXXX but I never spend more than {$200.00} on XXXX. This charge was not authorized by me, and the charge did not even come from my XXXX account as I checked the recent purchased. I have disputed the charge with Current ( XXXX XXXX XXXX, XXXX FDIC ), and they did not resolve in my favor. I did not authorize that transaction and the bank just let someone make a fraudulent charge on my debit card. I just wrote up an appeal letter and I will have an affidavit signed and notarized and have it certified mailed to the company. I do not condone fraud all I want is my {$900.00} back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ON XX/XX/2021 - THEY RAN MY CREDIT WITHOUT MY AUTHORIZATION
Product: Credit reporting, credit repair services, or other personal consumer reports

Conns is erroneously reporting my account to the credit bureaus. Conns is reporting the account as written off, which is absolutely incorrect. There was no amount written off. The account was paid in full. I spoke with Conns about the incorrect reporting in XXXX of XXXX, and was told it would be corrected, but Conns has not corrected the account reporting. Conns has been notified the information they are reporting is incorrect, and Conns has acknowledged they are reporting incorrect information. Yet, Conns has chosen, for over a year, to continue reporting the account incorrectly. Conns has had ample time to correct the reporting. Conns is knowingly reporting my account incorrectly to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Response to complaint XXXX-XXXX  XXXX XXXX XXXX has decided to close and delete an account in response to a complaint that was filed. However, they have erroneously stated that it takes 60 days minimum for the credit bureaus to update their records and have this reflected on my credit report.
Product: Credit card or prepaid card

On XX/XX/2022 I applied for a credit card with US Bank requesting a credit of {$25000.00} to take advantage of twenty one month no interest to pay several high interest rate loans. I removed the block on the credit reports. On XX/XX/2022 I was approved for {$7200.00}. I called US Bank several frustrating times using multiple numbers or a two day period. I endured at least twenty minutes before speaking with a live agent. When I finally spoke with a live agent I explained to customer service then again to its underwriters that my credit score at the time was around XXXX with a perfect or excellent pay history. {$7200.00} is not enough to pay the debt. I was told I need to ask for a credit line increase maybe and my credit report had to be pulled again. I submitted over the phone another application and my credit were pulled and US Bank was denied access because I have a block on my credit reports. Now US Bank denied a credit line increase because it could not access my credit report. No information has changed since the last credit inquiry a few days ago and as it is common knowledge credit report inquiries reduces the credit score. US Bank has the refused to restore the points by removing the inquiry or increase my credit line.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inaccurate items on my TransUnion credit report, as is my right under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

The items I am disputing are not only inaccurate but also the result of identity theft, as evidenced by the extended fraud alert on my credit report. 

Disputed Items XXXX XXXX Account # XXXX : The four late payments reported in XXXX, XXXX, XXXX, and XX/XX/XXXX are inaccurate and must be deleted under the FCRA 's maximum possible accuracy standard, 15 U.S.C. 1681e ( b ).

The late payments are also obsolete information that should be excluded under 15 U.S.C. 1681c ( a ) ( 2 ) ( A ) ( i ) and the timing rules in TILA, 15 U.S.C. 1666b. 


XXXX XXXX XXXX Account # XXXX : The alleged late payment in XX/XX/XXXX is inaccurate and must be deleted under 15 U.S.C. 1681e ( b ).

This late payment is also obsolete information that should be excluded under 15 U.S.C. 1681c ( a ) ( 2 ) ( A ) ( i ) and TILA, 15 U.S.C. 1666b. 


Unauthorized Inquiries : The inquiries by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were made without my consent and must be deleted as impermissible under 15 U.S.C. 1681b ( 2 ).

These inquiries are also the result of identity theft and must be blocked under 15 U.S.C. 1681c-2.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), TransUnion must conduct a reasonable reinvestigation of these disputes and delete the inaccurate information. I demand that TransUnion provide me with a detailed description of the verification procedure used, as required by 15 U.S.C. 1681i ( a ) ( 7 ). 

TransUnion 's failure to comply with these FCRA provisions constitutes a willful violation under 15 U.S.C. 1681n, entitling me to actual damages, statutory damages, punitive damages, costs, and attorney fees. Each violation allows for {$1000.00} in statutory damages.

I have suffered emotional distress, reputational harm, and lost credit opportunities as a result of TransUnion 's misconduct. I demand that TransUnion delete the inaccurate information within 5 business days and provide me with a copy of my updated credit report reflecting the deletions. 

Sincerely cc : Consumer Financial Protection Bureau Federal Trade Commission Illinois Attorney General
Product: Credit card

I got a new Chase XXXX credit card in XXXX due to the XXXX XXXX bonus points offer that was affiliated with the card. I called and was told that I had to spend the {$2000.00} required and then pay my statement and the points would hit in about six weeks time. 

I met the spending requirement just shy of the new year and the ChaseXXXX did the points transfer immediately as opposed to what I was told. I needed this points to hit in XXXX though, not XXXX, as the whole objective was for me to get points towards the companion pass with XXXX. I called them to get corrected and they apologized for the issues, but said there was nothing they can do. I would just like these points moved into XXXX recognition. Feels like they intentionally expedited this process to keep me from hitting this threshold.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, 2 young men came to my door. They asked me several questions about my XXXX XXXX XXXX bill. They said they could lower my bills for Internet and TV and give me a free cover for my doorbell and it was included. They led me to believe that they were from XXXX XXXX XXXX. No other companys were mentioned. I allowed them to come in. They took several minutes, inputting my info into their ipad. During the process I specifically told them that I didnt want my credit pulled. After they was finished getting all my bank info, I specifically told them that I didnt want automatic payments for my TV & Internet. The last stage of this meeting was to speak to someone on the phone. Thank God for that step or I would have been duped into this loan that i did not need or want. I specifically have a No Soliciting sign on my door. Those guys approached me like they wasnt selling anything that they was there to lower my bills! I know those calls are recorded so someone should listen to it!! I was in complete shock. The man on the phone told me that i was applying for a {$1300.00} loan for a doorbell camera!, they were going to take out {$70.00} a month automatic payments!! I ended the call. Told those 2 men that I wasnt interested in anything like that! I just wanted my bills lowered. You can hear me say that in the call! Then i asked them to leave. The next day I contacted XXXX to dispute the credit pull. Their response was to contact Citizens Bank to resolve the issue and gave me a phone number. I called the number and their response was email client support. A couple days go by and i get a reply to my email. Their response was that i had signed up for a XXXX XXXX Loan Payment type of loan and they are not removing it from my credit report!! By the misrepresentation by those 2 men will cause that hard inquiry on my credit report for 2 years. This complaint is about Citizens Bank and XXXX
Product: Checking or savings account

On XX/XX/2021, I was hired by a company that sent me two checks, one for {$2200.00} the second for {$1900.00} to purchase a computer, software, and printer from a specified vendor to be used for the remote customer service position. This seemed strange. I felt unsure about this being ok. So before I did anything I called my bank and talked to a customer service agent and explained what was being asked of me and was that a normal thing, if it was ok. The agent told me that it was unusual, but something that is done. I can go ahead and make the deposit and payments if it does turn out to be fraudulent I would not be held liable for the funds. So, after reaching out to my bank for guidance if I should proceed or not, because and only because the bank representative said it would be ok to proceed and not be liable, I made the deposits and payments totaling {$2200.00}. The company and the checks were fraudulent and the money I had in my account was taken to cover the transactions I made ( with assurance I was not liable ). I was a victim of a scam. And though I authorized the transactions, I NEVER would have even deposited that first check if I had not been guided by the bank 's employee. I am now {$180.00} overdrawn. I realize that I authorized the transactions, However, I believe the bank should be liable due to the actions of the customer service agent telling me I could without incident. I have exhausted all levels of escalation at the bank but am not ok with the bank instructing me to do something and then after I do, being held responsible for the result. I have documentation and notes for the conversations and the responses I received. Additionally, I have the name of the representative from the disputes and investigations unit who read the transcript from the phone call I made to the bank seeking help and said the bank is at fault and should be doing the right thing and cover the lost funds.
Product: Credit card or prepaid card

Recently I recieved the decision for my latest dispute of the late payment on my payment history. I am asking if it were at all possible to remove the late payments from my acount. I am attempting to clean up my credit score as I have been very strict since the incident to be on top of all bills that I have. I would really appreciate the opportunity to remove the late fees as I continue to stay a member of Capital One. Is there any thing that I can possibly do to remove the late payment marks? Thank you.
Product: Credit card

I requested Citibank to remove fraudulent charges on account XXXX. 
They sent an email but it is not resolved. 
The credit agencies and reporting delinquent payments and it is affecting my credit.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report ; credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX XXXX / XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXXXXXX 3. XXXX XXXXXXXX XXXX XXXX / XXXX 4. XXXX XXXX XXXX / XXXX 5. XXXXXXXX XXXXXXXX XXXX XXXX  / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I dont understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANS UNION, XXXX, XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ran an unauthorized credit inquiry on me on or around XX/XX/2017.I never give written, oral or signature to authorized such a transaction.

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact [ company name ] and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], In addition, as part of your investigation, I am not understanding how these dealerships have salesmen that outright lie and misrepresent a potential customer or client. I was totally unaware that this gentlemen had done this to my credit. 
I have another request that I would like to be honored for exclusion / early deletion for the inquiries that are with my permission and I due to fall off in a few weeks. I humbly ask to have XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX  If you have any questions or need additional information, please contact me at address listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Phone XXXX Thank you. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$490.00} ; XXXX XXXXXXXX Balance : {$490.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$680.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$820.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX Filed/Reported : XX/XX/2018 XXXX XXXX XXXX  Bankruptcy : XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; U.S. Bankruptcy Court XXXX XXXX bankruptcy XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, IL XXXX; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't approve these inquires : XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX  XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX I  Inquiry from XX/XX/XXXX XXXX XXXX XXXX  I Inquiry from XX/XX/XXXX Finance XXXX  Inquiry from XX/XX/XXXX XXXX. 

XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance   XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance   XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX from XX/XX/XXXX Finance XXXX XXXX XXXX from XX/XX/XXXX Finance XXXX XXXX XXXX from XX/XX/XXXX Finance XXXX   Inquiry from XX/XX/XXXX Misc. 

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance   XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXXXXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Finance I filed a identity theft a few months back but have not been successful with contacting these people to get them removed and some of the inquires are doubled so they should of known something wasn't right.
Product: Debt collection

I was sent a bill of debt collection for the amount of {$400.00} from Peter Roberts & Associates , Inc, a collection bureau. The creditor is XXXX XXXX XXXX XXXX. In the bill the company has violated many of my rights under the Fair Debt Protection Act. Such codes as 15 USC 1692 b ( 2 ) for sending my debt to experience, XXXX and XXXX credit bureaus along with sending notice to my name spelled in all capitals as that is not my name and was pursued to owe this debt. Along with other codes such as, 15 USC 1692 e ( 2 ) ( a ), 15 USC 1605 ( a ), 15 USC 1692 f ( 1 ), 15 USC 1692 d ( 2 ), 15 USC 1692 f ( 6 ), 15 USC 1692 f, 15 USC 1692 c ( a ), and 15 USC 1692 b ( 5 ).
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting credit act XXXX XXXX aka XXXX account # XXXX violated my rights. 

Under 15 U.S.C 1681 section 602 states I have the right to privacy Under 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15U.S.C 1666B ( A ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to close/permanently limiting my paypal account. I am using my paypal account for trading as my way of helping the children to provide their needs in their school materials and expenses. My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and God Bless. 

For Identity verification, I attached my Valid ID. Please see attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency is reporting XXXX XXXX  on my credit report this is not my account