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

To whom it may concern, I recently reviewed my credit report and noticed inaccuracies and/or incomplete information and accounts that are un-verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which cant be verified.

It is also my understanding that under the FCRA15 U.S.C 1681i, AND 6801 15USC every single one even each or any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory account must be promptly negated in its entirety or alleged accounts are to be completely deleted. 

I am now enacting my consumer and civil rights to compl you to annul with permanent deletion of these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. 

The following derogatory accounts allegations are either untrue, unverified, incomplete, untimely, not mine not my responsibility, to regulatory federal reporting laws and or standards and must be removed immediately do so today, even right NOW! The obvious infractions are as follow : Alleging Creditor and account as is reported on my credit report : XXXX XXXX XXXXXXXX XXXX ( letter sent stating this was unverified ) XX/XX/2022 but still not deleted off my credit report XXXX XXXX XXXX ( Letter was sent stating this was unverified ) XX/XX/2022 but still not deleted off my credit report By the provisions of the fair credit reporting act and per the standards of reporting compliance implemented with the XXXX enacted CDIA Metro 2 Compliance regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it. I will correspond back with certified mail. I also still have old addresses that don't belong to me on my report as well that have not been deleted I have tried several times to contact with correct addresses but nothing has changed.
Product: Debt collection

XX/XX/2020. I received paperwork in my door from XXXX XXXX XXXX with the original creditor Wells Fargo. That I have been sued for a total of {$6400.00}. This debt does not reflect on my personal credit report would like to resolve this issue for the best interest for both parties. I contacted wells Fargo during my time of hardship they replied with these is no more extended relief for hardship.
Product: Credit reporting or other personal consumer reports

I have been trying to submit a request from my XXXX XXXX credit card. They are only reporting this card to XXXX  and XXXX. I sent several requests to please report it to equifax as well. I tried contacting the credit department as well and was told it is reporting. That is wrong information. My card has been paid off in full and I would like them to report this to all 3 credit reporting agencies. As it would help increase my score.
Product: Checking or savings account

On XX/XX/XXXX, someone unknown to me had opened my car passenger door and stole my backpack and my wallet and other miscellaneous items. I did not notice the items had been stolen until I had gone to go pay for store items I had wished to purchase. I immediately notified local law enforcement XXXX XXXX XXXX XXXX Department located in XXXX, New Mexico. I noticed ( XXXX ) pending charges on my checking account, XXXX. ) Tuesday XX/XX/XXXX @ XXXX, XXXX XXXX XXXX XXXX XXXX NM XXXX checking account card XXXX in the amount of {$76.00}, I was unable to dispute due that charges only were pending and would have to wait till it cleared the account. XXXX. ) Tuesday XX/XX/XXXX @ XXXX, XXXX 's XXXX XXXX, XXXX NM Checking account card XXXX in the amount of {$21.00}. Again, I was unable to dispute due to charges only pending and had not cleared the account. On Saturday XX/XX/XXXX, the stated charges had cleared my checking account and was finally able to dispute charges. I had explained that my wallet was stolen and the reference charges where not done by me and did not authorize or allow the charges. On Tuesday XX/XX/XXXX, I was notified via Chime app that Dispute # XXXX regarding dispute of above unauthorized and fraudulent charges - Dispute Denied Agent finished investigating your dispute. In a Prefilled out standard issue by Chime bank stated in a formal letter that a final determination regarding the claim referenced above. As part of our investigation, a review of our system was performed in addition to information provided during the claim filing process. As applicable, we coordinate with other financial institutions, merchants, and networks as part of the claim review. Based on our investigation, we have concluded no error occurred. therefore, no funds will be credited to your account and the claim is considered closed. This is the same form they used to keep over or about {$1000.00} dollars they allowed a merchant to charge to my account without my knowledge and authorization and will be seeking the return of those funds as well as they have displayed ill-fated practices and just proved gross negligence in an investigation conducted by them. And even though they have been advised to stop representing itself as a bank continue to do so with purpose disregard.
Product: Checking or savings account

On XX/XX/XXXX, I called Chase Bank Fraud department to report fraudulent charges made on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX on my joint account with my husband. They were made by " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We live in XXXX. They were for the amounts of {$11.00}, {$4.00}, and {$7.00}. I called in to report fraud and was refunded pending investigation. They said the purchase was made from XXXX XXXX but my husband is the only who has that and had made no such transactions. Then we saw two more transactions come in on XX/XX/year>. We called the Chase fraud department again to dispute these as well. They were for the amounts of {$6.00} and {$3.00}. When we called, the customer representative, XXXX, who mentioned the transactions were from a vending machine. Again, we don't use vending machines or live in Michigan. For some reason, all of our refunds got reversed after this to charge us again. We called Chase fraud department again shortly after to dispute the reversal. The different customer representative said he didn't know why the reversal was made on the account and would take care of it, but he didn't. We called again on XX/XX/XXXX to see why we weren't refunded our money and then we were told that because the card was used on XXXX pay that we would just have to accept the charges. We have proof it wasn't us with my husband 's transaction history on XXXXXXXX XXXX and can show that card was never linked to his personal XXXXXXXX XXXX account. I asked for the proof from Chase to show the XXXX XXXX account information on a transaction labeled as " in person '' in XXXX XXXX. Chase has refused to refund us our money for these fraudulent charges even though we have proof it wasn't us.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf in regard to the information on my credit files. Fraudulent applications were submitted under my name or my identity without my consent to obtain goods or services. The items I need deleted are listed in the report. I am a victim of identity theft and did not authorize any of the following charges/inquiries on listed in this report and on my credit file. I reported the theft to the Federal Trade Commission, and I have also enclosed copies of the FTC identity theft affidavit. I am requesting that the following items on this report be deleted immediately. The following inquiries I need to be deleted are listed in the report and attached to this statement : XXXX XXXX XXXX XX/XX/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
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

This compan y Roquemore has been harassing about a debt my son owe to the credit union for a car loan, I have told them that he do not live here they constantly keep calling, asking for him saying I 'm hiding him, I have block them and still they call from another number saying I see you blocked me, then they have called several family members, and they called his job telling them all his business that they looking for a car he has n't paid for, tell other people he moved out of town, then the lady got hostile with me, i have her on tape, and I told her that I was taping her and that I was going call the federal debt collecting and tell that they are harassing me, they said that they are not debt collectors, they were  XXXX  that the credit union   XXXX   XXXX  , had a insurance policy on my so n loan, that if he did n't pay, then  XXXX  would paid off the loan, and that 's why she was calling because now the car belongs to them because she said they paid off the credit union, and I also have that on tape, they were ca lling 3-4 times a d ay ever since early  XXXX , because before then I did n't answer, so I would like to sue them for the maximum amount if I can
Product: Checking or savings account

PNC Bank will not allow my bank account access XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : TransUnion XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Initially I started a dispute with Klarna on XX/XX/2024 about a purchase that was made on my account which stores my debit card on there as a form of payment for an item at XXXX XXXX. My phone was lost/stolen a few days prior to that purchase being made. How I found out was after being able to get another cellular device and creating new passwords for everything I had in the cellular device. At I didnt notice anything out of the ordinary but then I received a notification from Klarna that a {$180.00} payment was due for a gaming monitor that cost {$1700.00}. I DID NOT MAKE THAT PURCHASE NOR DID I AUTHORIZE IT, I found out that this XXXX XXXX is located in XXXX XXXX CA, I live in XXXX CA, thats XXXX cities in XXXX different directions. Thats when I immediately started that initial dispute and a little over a week later on XX/XX/2024 I received an email from Klarna ( I HAVE PROOF OF THIS EMAIL ) stating that the result of the Dispute/Investigation was that I will not be held liable for the purchase or payments on the order and that I would be refunded for any payments made from my debit card towards that order. That did not reflect on the Klarna app so on the same day XX/XX/2024 I spoke with a Klarna Customer Support Agent via Live text Chat explaining my issue. The Agent ask me all the same questions I initially answered the day I started the dispute and I provided all information that was asked for. The Agent said that a another dispute would be opened and due payments on that order will be paused but he disregarded me saying I have proof of the email stating that Im not liable. The next day XX/XX/2024 I received an email from Klarna stating I was liable without giving me any opportunity to provide proof of them saying I was not liable which was very upsetting and unfair. The same day I called and spoke with a Klarna XXXX XXXX XXXX on the phone and explained everything that I had been dealing with including the proof of the email that I have that shows Klarna stating that I will not be held liable. The agent said that he would create a dispute and put a pause on the payments again for XXXX and that Klarna will email me a link to provide evidence I have. I asked the agent If I have proof of the initial email Klarna sent stating that I will not be held liable and be refunded, does Klarna have to honor that?, he then replied Yes you will be liable for all emails you receive., I then replied thats not what I asked you and I repeated the question in slower tone and he replied Yes Klarna will have to honor that email if you provide proof of it. Klarna records all call between agents and customers so thats why I asked him that. Today I received an email from Klarna stating that I am liable. I want to be clear that Klarna never sent me an email with a link that wouldve allowed me access to submit proof of the initial email that sent me stating I was not liable, and not I believe they are trying to avoid honoring that email and wont acknowledge the proof I have. Once again Its not fair and very upsetting.
Product: Credit card

I started getting random emails in my account about a XXXX credit card after i fell victim to a XXXX job scam in which i had accidentally given my ssn number and picture of my id and i called them when it started showing up on the report since the debt was fraudulent and unauthorized and not mine and i disputed it with experian multiple times and they kept denying it and harrassing me through XX/XX/scrub>XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the following inquiries. I want them blocked & removed immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX AND CONSERVE KEEP CALLING MY CELL FOR XXXX & XXXX, SKIP TRACING FOR THEM. PLEASE FURNISH ME ALL YOUR NUMBERS USED TO CALL ME SO I CAN BLOCK NUMBERS ON MY CELL PHONE.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I recently reviewed a copy of my credit report and noticed that my personal information is incorrect and needs to be updated as soon as possible. The Fair Credit Reporting Act states that all information listed on a consumer 's credit report must be accurate and complete. 

My legal name is XXXX XXXX, this is the only name that should be listed on my credit file. Any other listings that have been placed on my credit file please remove as soon as possible, correct and update my name. 

My employee is XXXX XXXX XXXX, please remove any other listings you have placed on my credit file. Please update my employment history as well. 

Please delete the address XXXX XXXX  XXXX XXXX, Georgia XXXX. This address is incorrect. My correct address should be listed as XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Please promptly remove and update my correct historical data. 

Sincerely, XXXX XXXX
Product: Debt collection

ON XX/XX/2021 I sent in a debt validation letter which wasn't answered, according 15 USC 1692g which said I can ask for debt validation. 
my information was sold to CMRE which was a medical account from XXXX XXXX XXXX XXXX 
15 USC 1692d I was being harassed by this said company CMRE to pay a debt which was reported to my consumer report which harmed my reputation with others. 
account was paid but harm was still on my consumer report from this matter. 
pursuant to 15 usc 1692h if any consumer owes multiple debts and make any single payment to any debt collector with the respect to such debt, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the Consumer directions.
Product: Credit card

I've raised disputes for the following accounts due to suspected fraudulent activities : XXXX. With Upgrade INC, the account opened on XXXX with a balance of {$4600.00} ( account number : XXXX ). After informing the creditor about the fraudulent account and their promise to report it to the credit bureaus, they failed to do so. Instead, they provided false information to the credit bureaus, falsely verifying the account. 

XXXX. Regarding XXXX XXXX XXXX XXXX, the account opened on XX/XX/XXXXXXXX  with a balance of {$8700.00} ( account number : XXXX ). I contacted the creditor regarding the fraudulent account, and while they acknowledged it as fraud and promised to report it to the credit bureaus, they did not follow through. They also inaccurately verified the account to the credit bureaus. 

XXXX. For XXXX XXXX XXXXXXXX XXXX XXXX the account was opened on XX/XX/XXXX with a balance of {$670.00} ( account number : XXXX ). Upon notifying the creditor of the fraudulent account, they assured me that they would report it to the credit bureaus but did not do so. Instead, they provided false information to the credit bureaus, incorrectly verifying the account. 

XXXX. In the case of XXXX XXXX XXXX XXXX, the account opened on XX/XX/XXXX with a balance of {$730.00} ( account number : XXXX ). After informing the creditor about the fraudulent account, they pledged to report it to the credit bureaus, which they failed to do. They also supplied inaccurate information to the credit bureaus, falsely verifying the account. 

XXXX. Finally, with XXXX XXXX , the account was opened on XX/XX/XXXX with a balance of {$4900.00} ( account number : XXXX ). I contacted the creditor about the fraudulent account, and despite their promise to report it to the credit bureaus, they did not. Furthermore, they submitted incorrect information to the credit bureaus, falsely verifying the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a security freeze on my file and every time I try to life the freeze online I have no success. I cant view any of my information online. When I call every representative that I speak with is rude and always say that Im not passing my security questions. They are very dishonest people and dont offer help at all. I have yet to receive results of an investigation that is over 30 days old. And the freeze still hasnt been lifted. I first began trying to life the freeze from my report last month on XX/XX/XXXX. When the representatives that I speak with ask me when was the last activity of my freeze I give them a date range and they continue to tell me Im wrong. I know my personal information and I know the last time I attempted to remove the freeze on my file. I cant apply for any credit because of this and its really getting frustrating. I have tried to life the freeze online, through the automated system, and with the customs service representatives. STILL NO LUCK. I am never able to view my information online because the random security questions presented NEVER correspond with my file. Equifax is by far the worst credit reporting agency. Attached is two of the most recent investigations that I have file and I still done have results of these completed investigations. Also a picture of the phone call place to Equifax on today, XX/XX/2019
Product: Credit reporting or other personal consumer reports

My account with MERCEDES BENZ FINANCIAL was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

MERCEDES BENZ FINANCIAL Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card

On XXXX, I signed up for a double cashback promotion that Discover had offered to its existing cardmembers as well as new cardmembers. Yesterday, I chatted in to make sure it was still on my account. To my disbelief, the chat representative told me they did n't see anything about it on my account and that I had never called in to add the promotion to my account, which is false. I know for a fact I called in, but they oddly have no records of it. I chatted in a month or two ago to confirm ( but chat was a separate issue ) and they confirmed I 'd receive double cashback XX/XX/XXXX. I called in today and was told the same as yesterday. All I want is the promotion I was promised months ago.