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

XX/XX/XXXXXXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  {$600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$99.00} I reached out to RCI Elite Rewards XXXXXXXX after finding the above fraudulent charges in a minor audit. After filing claims for the above charges they sent out a letter stating that this was not fraud and they are denying the claims. I was told to reach out to company directly to try to process a refund, I've reached out to the companies, with no success of contacting them. Their response was that I need to provide documented proof that I did not authorize these payments, and I explained I have no more information regarding the merchants, as I did not approve these.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have the experian app on my XXXX  wich i can check all my credit report history there i even call today to experian customer support XX/XX/XXXX and ask experian if this is a ligitament app from you guys wich is experian the reprensetive saids yes it is a accurate score on there i said ok, for the past year i check this app day by day to fix my credit and monitor it my self.around the year XXXX i was financing a XXXX car thru XXXX XXXX XXXX  around XXXX i dont have exactly the dates i got the XXXX  XXXX repo.today wich is XX/XX/XXXX i check my credit and is been few years and is on my credit report need it dispute because is charge or paid off.Now to me this what i am about to explain i think is not right.I am driving a XXXX XXXX XXXX that has XXXX miles on it and is not a safe car to drive i wana get a new car. i went to XXXX XXXX and i told the sale man, what i have to do i have a XXXX score he said i can get you a good XXXX with that score but he said i have check your credit score i said i cant run my credit am fixing it anyway i let him run my credit because he didnt wana do anything i was asking him to do.i let him run my credit it came up as XXXX credit score thru his third company wich is XXXX XXXX. when my credit score today with all three credit bureaus XXXX wich is XXXX experian XXXX my score is XXXX XXXX and XXXX with XXXX as of XX/XX/XXXX. the saleman was ready to trade my XXXXXXXX XXXX XXXX  for a newer car and i couldnt get the car because my credit score with him came back as XXXX is my credit score different fom all three bureaus and his third party. how does that work.the dealership score card is fico auto XXXX but the source is experian.i dont understand and i think this is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted dispute requests asking Equifax to investigate this unknown account, XXXX XXXX XXXX XXXX XXXX # XXXX which appears on my Equifax credit file. I asked Equifax to furnish me with proof - contract or agreement bearing my signature- to help me determine if this account is fraudulent. 

Equifax did not investigate this account, nor have they provided me with contracts or agreements bearing my signature as it relates to this account. 

There is a fraud alert on my Equifax file and I am concerned that they are not properly investigating potential fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased this car in XXXX. I was in a severe accident shortly after. Insurance paid majority of the balance. I attempted to settle with the company and make payments for the difference. They were not transparent in how to do this, I got different amounts from different people. It was all very shady. In XXXX, they offered me a settlement amount. Their email went to the junk folder and I was never mailed a paper version or contacted. I was under the impression everything was okay. I responded back to this email in XX/XX/XXXX when I saw it and heard nothing. They had not been reporting negative payments to the credit bureaus so I truly did not know anything was wrong. I later was informed the balance was not settled and was showing as a charge off. I contacted them to settle the debt. I settled the debt last month and they reported XXXX months of late payments. I would have paid this a lot sooner and not allowed damage to my credit if they had been reporting accurately. I have attempted to call in. The agents are INCREDIBLY rude. They interject, dont listen. Im not permitted to speak to their reporting department and advised Ill be sent a letter. Its been a horrible consumer experience and they ruined my credit when I was making true efforts to pay them. It is very unethical to not report accurate and timely data to the credit bureaus. I have provided them payment and closed the account. My only goal is to have the derogatory remarks removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I don't believe I owe the amount listed on my consumer reports. I am tad bit confused ; there is an inflated balance on this charge-off account from the balance amount. Also, my date of last payment which is listed as XX/XX/year> I am uncertain about that as well. May I request for the information for this account. 

Thank you
Product: Debt collection

My bank account became frozen on XXXX XXXX suddenly and i got noticed from my bank that my bank account is restrained by debt collection judgement .After couple days i got letter from the debt collector agency Kirschenbaum & Phillips , P.C . Showing XXXX XXXX XXXX has a court judgement order given on XXXX XXXX. I am confused after such a long period they can still sue for the debt where its like time barred or expired statue of limitation.
Product: Credit card

I was planning to book flight tickets for my family to XXXX from the United States. While considering credit card options, I looked into the Chase Sapphire card due to a promotion I had read about. I carefully reviewed the terms and conditions to ensure I could qualify for the bonus. One of the requirements was to book travel through the Chase XXXX portal, with the total payment exceeding {$4000.00}. However, when I checked the Chase XXXX website, I noticed that XXXX was not listed as a bookable destination. I suspected this might be due to economic sanctions on XXXX. 

To clarify, I contacted Chase credit card support, and they transferred me to Chase XXXX. The agent confirmed that XXXX was not visible in their online system but mentioned the existence of a " manual '' system where XXXX was listed. She explained that I could book flights to XXXX through this manual system by calling them directly after being approved for the Chase Sapphire card. She also helped me compare prices between their manual system and the airline 's website to ensure they were similar. Based on this information, I applied for the card and even requested expedited shipping to avoid potential price increases for the flights. 

However, when I called back after receiving the card, I was told that XXXX is considered a blacklisted country, and they can not book flights to XXXX, even through the manual system. I spoke with several managers at Chase, explaining the situation and expressing my frustration. I felt misled, as the initial information provided had encouraged me to apply for the card, but now I was unable to use the advertised promotion. I even proposed an alternative solution : if they couldnt book the ticket through their system due to their own restrictions, I suggested they honor the bonus if I purchased the ticket directly from the airlines website. Unfortunately, they did not accept this proposal or provide a satisfactory resolution. 

To make matters worse, I was already charged the {$95.00} annual fee for the card, despite being unable to access the promotion that had influenced my decision to apply. This experience left me feeling misinformed, misled, and unfairly treated by Chase.
Product: Checking or savings account

The {$100.00} transaction all 3 was denied on XX/XX/2020 by chase atm at XXXX XXXX XXXX XXXX ny. But my bank debit my account. I have receipts transaction denied.
Product: Checking or savings account

On XX/XX/2023 got approved for a Wells Fargo XXXX Credit Card, I received the card after 6 days with 2 blank checks for the Balance Transfer offer so i used the first check and paid the amount back on XX/XX/2023, and wrote a second check and deposited in my wells fargo Checking Account # XXXX, then called the customer service on same for inquiry how long takes to payment posted in my credit card before depositing the check in my checking to do a balance transfer from credit card Ending XXXX to my checking Account # XXXX so the payment posted in my credit card on XX/XX/XXXX, and i wrote the check and deposit on XX/XX/2023 went to the branch on XX/XX/XXXX, to withdraw the money with no issue Later on the bank returned the check for no reason and charged my checking account for overdraft fee {$35.00} plus the negative amount of the returned check from my Wells Fargo credit card the bank all the car is, i have to pay the negative balance plus overdraft fee i will never do that, won't take any action of my side let this worst bank in the USA close the negative account and i will file a dispute with XXXX and XXXX XXXX i'm attaching all the docs to show the dates didn't do anything wrong in this transaction but this scam bank all they want charge me an overdraft and tried to convince me its was my fault
Product: Debt collection

I borrowed XXXX $ from company kinsmith finance in XXXX XXXX, GA. I have all receipts proving I paid loan in full. I even got confirmation from the manager of the location that I dont owe anything else after final payment of {$190.00}. After a few months of no longer doing business with company, they call back saying I owe more money ( XXXX $ ). My last payment was {$190.00}. I also have receipts of every payment Ive made. Ive told them constantly to stop calling and delete my files. They constantly harass me with phone calls and voicemails. Ive told them to please stop calling due to the fact that Ive paid the loan off in full as instructed by the manager of the facility. It even went as far as one of the crew members there hung up in my face after explaining to them that I owe them nothing. Then a few weeks later called back. Its mentally draining XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX XXXX Executive Offices ( Department of Credit Card Case Management to XXXX, my case is # XXXX ) and informed that there is wrong information on my credit report ( the balance on my credit card has been informed wrong to the 3 credit bureaus ). I asked that they fixed this and was informed that they will take whatever time they estimate to resolve my issue and that I have to wait on XXXX ( Rep from Exec Office ) to resolve all other customer cases. 

Today, XX/XX/2019 I called to Transunion and asked about information on XXXX XXXX credit card. They informed that my balance as of XX/XX/XXXX ( date of report to bureaus ) is {$72.00}. I have evidence ( credit card statement for XX/XX/2019 ) that my balance is {$5.00}. I consider XXXX XXXX is violating my right under FCRA because they are not reporting the right information to the 3 main credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604 A., Section 2 : It also states a Consumer Reporting Agency can not furnish an account without my written instructions.
Product: Debt collection

I am writing to formally dispute a fraudulent repossession account with Bridgecrest that has been mistakenly reported on my credit report. This account was opened without my consent as a result of identity theft. The repossession listed on my credit report is not my responsibility and should be removed immediately from my credit file. 

The details of the disputed account are as follows : Company Name : Bridgecrest Account Number : Balance : XXXX Opened : XX/XX/year> Date of Repossession : N/A Legal Basis for Removal : Under the Fair Credit Reporting Act ( FCRA ), as a victim of identity theft, I have the right to request the removal of fraudulent accounts from my credit report. The applicable legal protections are as follows : FCRA Section 605B Identity Theft Victim Protections : According to FCRA Section 605B, as a victim of identity theft, I am entitled to request the removal of fraudulent accounts from my credit report, including repossessions. Credit reporting agencies must act on this request and remove the fraudulent information within XXXX business days of receiving the dispute, provided I submit an Identity Theft Report or supporting documentation. 

FCRA Section 609 ( e ) Victim of Identity Theft : Under this section, I have the right to dispute any fraudulent information, and credit bureaus are required to investigate the dispute. If the information is confirmed as fraudulent, it must be removed from my credit report immediately.

Identity Theft and Assumption Deterrence Act : This federal law allows me to remove fraudulent accounts from my credit report if they were opened or used without my consent. The repossession from Bridgecrest is clearly a result of identity theft and should be removed accordingly.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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: Mortgage

Back in 2013 I filed for divorce and was awarded our home having XXXX children. I knew i had to change careers to earn more income so I did but it was still not enough because it was still XXXX income. I tried to refinance the home threw Wells Fargo and talked with XXXX XXXX there XXXX. After being behind 2 months during the process of applying I was able to save the money to catch up on my payments. XXXX XXXX advised me not too for the fact that the refinance committee would ask were the money came from and not to pay it. She urged me to stop paying all together. I followed her advice. Over a matter of weeks I followed all the instructions XXXX XXXX had given me. I only ask that as i try to make a quick sale that Wells Fargo will grant me 60 days additional for the sake of my XXXX daughter XXXX so this does not traumatize her. This has been an absolute nightmare for me to take on alone so that my children could focus on there studies.
Product: Debt collection

XXXX XXXX put on my credit that Im not aware of never had that company also Best Buy
Product: Credit reporting or other personal consumer reports

This morning, I discovered inaccurate accounts on my credit report, and I cant figure out why. I check my report regularly, and everything was fine before, but now there are discrepancies that appeared out of nowhere. I even tried refreshing my browser, hoping it was just a glitch, but nothing changedthe errors are still there. Im desperately asking that the documents Ive provided are reviewed carefully so I can stop worrying about this.
Product: Credit reporting

Afni is currently furnishing innacurate information about me to the the consumer reporting agencies. I have requested full documentation from AFNI of proof that this account belongs to me and they have not done so in the required time limit. I also have repeatedly asked AFNI to provide me their right to collect this debt. This account does not belong to me and I am requesting them to cease all collection activities and remove this negative reporting from my credit files immediately or I will file a legal suit for damaging my credit rating. This is the 4th attempt to get AFNI to comply and they have willful not complied.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not.

As this my 3rd time trying to remove these items so I can buy a home. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed and blocked immediately.
Product: Debt collection

I am a victim of identity theft and I have some fraudulent information on my credit report that do not belong to me. I do not recognize them, nor did I authorize them, Can you please delete and block the following fraudulentinformation from my credit report. 
*See Attached*
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX Incorrect XXXX : - XXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX  XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Payday loan

So I took out {$320.00} from northern plains funding and before taking out any money I asked if there was any interest fee they said I did n't have to pay interest if I did something called a pay down. Which is longer term of payments but cheaper price. So instead of paying {$97.00} a paycheck, I would only have to pay {$10.00} a paycheck for a longer amount of time. I 've already paid up to {$320.00} of payments to them and they are still charging me {$97.00} a paycheck. I can not afford this any longer and it 's really beginning to stress me out. They told me I still owe about {$400.00} more! I 'm only XXXX XXXX XXXX and I obviously do n't have a high paying job to be able to pay them over {$700.00} worth of funds. I think that 's a rip off! NORTHERN PLAINS FUNDING should be shut down for misleading me into their schemes!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

I sent a letter convergent asking for : Validation of the debtthat is, the actual accounting.

Verification of a signed invoice.

A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered XXXX, XXXX, & Experian have violated my rights numerous times. I demand the accounts listed below be remove becauause According to 15 USC 1692e, 15 USC 1692d, 15 USC 1692B, 15 USC 1681, Not use any language or symbol on any envelope or in the contents of any communication affected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

Also according to 15 USC 1681 : I have the right to privacy and I did not give XXXX, Experian, or XXXX written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX ( Original Creditor XXXX ) Account # XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX ) Account # XXXX Additional Financial Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX