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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$540.00} ; XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX Balance : {$54.00} XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Investigation and Deletion of Inaccurate Information Under the FCRA To Whom It May Concern, I am writing to formally dispute inaccurate information contained in my credit report, as provided to me by [ Credit Reporting Agency ]. This dispute is being submitted under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 1681i ), which mandates that credit reporting agencies investigate any disputed information promptly and accurately. 

The item in question is listed as follows : 1. Account Name : XXXX XXXX XXXX XXXX Date Listed : XXXXXXXX XXXX XXXX Under the FCRA, I am entitled to a full and thorough investigation of this matter. If the disputed information can not be verified within 30 days of your receipt of this letter, you are required by law to delete it from my credit report. 

Please conduct your investigation promptly and provide me with a written confirmation of the results. If the account is removed or updated, please send me an updated copy of my credit report. 

If you require any additional information from me to assist with your investigation, please contact me at [ Your Phone Number ] or [ Your Email Address ].

Thank you for your attention to this matter. I look forward to your prompt response within the 30-day timeframe as required by law. 

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

I turned in my lease with Hyundai on XX/XX/2020 and had perfect payments until after I turned in my lease, as I was on autopay. As of XX/XX/2020, my credit report stated I had two late payments for XXXX and XXXX. I contacted Hyundai Motor Finance, end of XXXX when I was notified. Due to Covid, it took several attempts and over a week to get in contact with anyone. When I was finally able to speak to a human on XX/XX/2020 with Hyundai Motor Finance, I immediately paid the outstanding balance they never took out of my account for my last month of owning the lease. They never informed me they shut off my autopay without my knowledge and it began to negatively affect my credit. I also found out through this process that XXXX XXXX ( where I turned in my lease ) and Hyundai Motor Finance are two separate entities and do not communicate. Therefore, it took even longer to try to resolve this issue between the two companies and their lack of communication. For example, I spoke to XXXX XXXX and they informed me everything was fine on their end and I had a {$0.00} balance. Then I received a late payment confirmation from Hyundai Motor Finance and was informed otherwise. Covid really took a toll on this situation as well, as I was unable to speak to anyone after many attempts and several weeks. I ask that you review my entire credit history, in addition to all my payments with credit cards and Hyundai specifically. I have never had a single late payment until now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have communicated with the credit bureaus to remove inaccurate addresses that are listed on my credit reports, to date, to no avail. I have also requested that all also known as or alises be deleted and the bureaus have not deleted the inaccuracies. The following items should be deleted immediately on all 3 of my bureau reports : XXXX XXXX XXXX.,  XXXX , XXXX  XXXX XXXX XXXX XXXX. XXXX., XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX All Previous employment history should be DELETED DELETE : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Debt collection

Everyday for weeks I have received a prerecorded phone call that says " This is a call from the Collection Bureau of Ft. Walton Beach, please return the call to XXXX for more information. '' I call it and it sounds like 3 different recordings put together saying 'you are caller number 1 in the que ', 'Mail box full ' without ever ringing, and 'Hours of operation are M-F XXXX if it is past normal business hours, please leave a message or hold on the line ' but after holding for several minutes each time it cuts off and hangs up. I have never been able to get a live person and I do not owe any debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6600.00}, {$810.00}, {$240000.00}, {$61000.00}, {$0.00}, {$28000.00}, {$81.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account. 

XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$810.00} -This is not my account. 

XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$240000.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$61000.00} -This is not my account. 


-- REAL ESTATE LOAN XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$81.00} -This is not my account.
Product: Debt collection

I have sent Hunter Warfiield two certified letters on separate occasions asking them to verify the debt owed. They sent back a print out that did not include the last payment that I made, my signature or the signature from the original debtor. When asked to verify Hunter Warfield told me " no, the print out is enough ''. I have sent them another certified letter ( this makes three letters that have been sent out via certified mail to Hunter Warfield ) requesting that they remove this account from my report since it can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never dealt with these creditors in the past. I don't know who they are nor did business with these companies.. I contacted to address the issue but all they sent is a paper trail showing the accounts and that it has been verified. Insufficient information. I requested Method of Verification - evidence such as name, address and telephone number they contacted from the original creditor but they failed. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible and notify me when you do this so I can go ahead and apply for the things I need to apply for.. Remove XXXX XXXX, US DEP ED XXXX, XXXX XXXX XXXX
Product: Credit reporting

while checking my EXPERIAN CREDIT report, I noticed unauthorized and fraudulent credit inquiries made by CAPITALONE on or about XXXX/XXXX/2015 & XXXX did not authorize anyone employed by this company to initiate any inquiry and/or view my credit.This action by CAPITALONE has violated my FCRA Section 1681 b ( c ), without cause or justification, to which constitute a serious privacy Act Rights violation. 
I have personally requested from this company to permanently delete this information and/or send me any signed authorization from me as evidence within five business days.To this extent, CAPITALONE has ignored my request and in addition has failed to respect the process as required under the FRCA.
Product: Credit reporting or other personal consumer reports

I sent letter to Transunion regarding child support payments listed on my report. Child support is a public record and is not an extension of credit. I asked them numerous times to verify that this can be report and is accurate but they have yet tell XXXX how and who verified it after they listed as verified. XXXX and XXXX deleted it because they could not verified it so how is it still listed on Transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to my credit report, which is maintained by your respective agency. As per the regulations outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. Upon reviewing my credit report, I have discovered various accounts that I did not grant any written permission for creditors to furnish information to your agency. 
I understand that as per FCRA, you are obliged to investigate and verify the accuracy of the disputed accounts within 30 days of receiving this request. I written letter to XXXX, XXXX, and XXXX, in accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I kindly requested that you provide me with copies of all documents, including but not limited to signed contracts or agreements, that demonstrate my written authorization for the aforementioned accounts to be included in my credit report. Please ensure that the provided documentation is clear and legible to facilitate my understanding.

Please be advised that the continued inclusion of unauthorized accounts on my credit report by your respective agency is a violation of FCRA.
Product: Debt collection

A representative from Midland Credit Management threatened to sue me five times over a debt allegedly owed by my wife. They falsely claimed that debt validation had been emailed to us, but all we received was a bill. When I brought up the Fair Credit Reporting Act during the conversation, the supervisor who joined denied that any threats had been made. Despite my repeated requests for debt validation, they continued attempting to collect the debt and making threats. After the call ended, they even called my wife, despite the supervisor promising that we would not receive any calls for 90 days until the debt was validated. They also claimed to have mailed debt validation, but we never received it. When I asked them to provide tracking information, they couldn't, and I requested they send it certified. The conversation ended after that.
Product: Debt collection

I received 5 phone calls from 5 different numbers within the past week, each one identified as " PORTFOLIO RECOVERY. '' I finally answered a call from XXXX, and the caller identified herself by name only. She asked to speak to " XXXX XXXX '' ( assumed spelling ). I replied by asking her who she represents and what was the nature of her call. She simply repeated her demand to speak to " XXXX XXXX, '' so I demanded that she remove this number from her call list and hung up. 

" XXXX XXXX '' has never been associated with my phone number, which I 've had for well over 10 years. 

The callers refusal to properly identify the business that she represents and the nature of her call is a violation of fair debt collection practices. Had the caller provided this information, I would have been forthcoming in my response, telling her that she must have the wrong number and asking her to remove my number from her business 's call list.
Product: Debt collection

XX/XX/2021 Enhanced Recovery opened and added a derogatory mark on my credit in the amount of {$3100.00}. The account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection as well there was no written form of communication, contract, or signature for this accused debt at all. According to the FCRA, Enhanced Recovery has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Dear Equifax Information Services LLC, On my credit report there are some hard inquiries that did not permissible purpose. Can you reinvestigate the inquiries listed below? I have also attached evidence. 
XXXX. XXXX XXXX & XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1b XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1b XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168 1b XXXX. XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX : This inquiry has no permissible purpose to be in my report. Delete this inquiry due to violation of 15 USC 168 1b Once you have deleted the hard inquiry from my credit report, please send me a copy of my updated report.
Product: Credit card or prepaid card

Primary Party or Firm Information Name : Chase XXXX XXXX Address : XXXX XXXX XXXX XXXX, DE XXXX Phone : XXXX Website Address : XXXX Complaint Chase advertises zero fraud liability, yet refuses to reimburse me for charges that I DID NOT MAKE. There excuse is that ONLY THE CARD HOLDER could make these transactions since these are chip card transactions. Even though Chase acknowledges fraudulent activity HAS OCCURRED for SOME TRANSACTIONS ON THE SAME XX/XX/XXXX STATEMENT ( for example, Chase has reimbursed transaction XXXX XXXX XXXX XXXX in Virginia on XX/XX/XXXX for {$60.00} ). However, Chase has refused to reimburse me for XXXX XXXX ( {$38.00} NEVER SHOP HERE ), XXXX XXXX  XXXX ( {$150.00} where normal shopping is $ XXXX {$40.00} ), XXXX XXXX XXXX  # XXXX ... ( 2 ) transactions for {$150.00} and {$24.00} where I SHOPPED ONCE FOR {$7.00}, XXXX ( XXXX XXXX XXXXXXXX XXXX for {$96.00} where normal shopping is $ XXXX {$12.00} ). ALL OF THESE TRANSACTIONS OCCURRED ON XX/XX/XXXX. ILLEGAL TRANSACTIONS WERE REPORTED TO, AND DENIED BY CHASE FRAUD DEPARTMENT ( SEE CORRESPONDENCE ) ON XX/XX/XXXX AFTER SEVERAL PHONE CALL DENIALS IN XX/XX/XXXX. 

Have you complained to the firm/agency/business? 
Yes What was their response? 
DENIAL OF FRAUDULENT CLAIM SINCE ONLY CHIP CARD HOLDER COULD INITIATE TRANSACTION Date of Transactions : XX/XX/XXXX Place of Transactions Stores in XXXX, AZ Total Amount of Damages : {$470.00} How can SOME, but NOT ALL, TRANSACTIONS BE REIMBURSED. IT IS OBVIOUS SOMEONE HAS AN ILLEGAL DUPLICATE CARD
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed numerous disputes with the 3 credit bureaus ( Transunion, XXXX, and XXXX ) notifying the company that XXXX is incorrectly reporting amounts on my report. The debt is reported as charged off and continues to report a past due amount of {$3000.00}, and shows this debt as revolving credit when it should show as {$0.00} owed since this credit is now charged off debt. I have requested a 1099c form to audit this company to ensure they are in compliance but have not received one, as if they are not in compliance, I can report them for tax fraud. This is also a violation of FCRA 15 USC 1681 eb.
Product: Bank account or service

Bank of America would not grant me credit to open a credit card account - so they suggested I open a " secured credit card '' by opening a certificate of deposit ( CD ) as a guarantee in the event I default payment on the account. 
I was additionally told I would be building credit and in essence be considered to open a credit card in the future, without needing to continue to have a deposit as a guarantee for the account. This was a lie. 
When I was denied a " regular '' credit card, I selected to close my " secured credit card '' and requested the certificate of deposit dollars be returned to me. 
The money has not been returned after two weeks of waiting. 
I have been told - after multiple hours on the telephone - numerous visits to the branch - that the money " should '' be returned to me. 
How long am I expected to wait for my money? Am I being scammed? Am I going to be " charged '' penalties? 
Bank of America has zero organization. Their organization rips people off. I am tired of being given then run around by this brute of an organization. 
I want someone from Bank of America who can tell me what the heck is going on and assure me my money is being returned!
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, RI XXXX XX/XX/2011 XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$7000.00} XXXXXXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2800.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7000.00}
Product: Credit card or prepaid card

On XXXX XXXX, XXXX, I used the Discover Card convenience check mailed to me by Discover by depositing this check witXXXX XXXX XXXX Before using, I called Discover, and Discover customer service rep told me, after looking up my account, that I have available credit to cover the check for {$3000.00}, and I was told by Discover that I could use this check just like any ordinary check XXXX call is recorded and stored on mp3 and took place XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I was notified by XXXX that the check was returned, and I was notified by Discover that they are dishonoring the check, even though Discover told me before hand that the convenience check for {$3000.00} would be paid by Discover, and that the {$3000.00} balance would appear on my credit card statement. The check should have been paid as agreed between myself and Discover on XXXX/XXXX/XXXX, and the terms and conditions of the convenience checks sent to me by Discover do not indicate any restrictions or limitations, except available credit only, which there was plenty of on the date and time Discvover dishorored the check in bad faith, breaching their contract and fiduciary duty to me.
Product: Debt collection

i have no idea what this is about. neither do i owe or know this people.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act., XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A. States I have ( he 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 wilhout my writen instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX # XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C section 602 A. Section 2. 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. 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: Checking or savings account

that didn't give me a reason is had a little over XXXX in the account and was unable to withdrawl it its like they kept the money and wouldn't tell me what happen to it!
Product: Debt collection

lvnv funding llc has re aged several debts numerous times making them always look new on my credit report. I have filed multiple disputes with XXXX and they will just reject the dispute and mark it as current even though the original date was XXXX. They also send me collection emails at least every XXXX  days.
Product: Vehicle loan or lease

I called 4 times a week wrong info and I pay almost XXXX XXXX down and so how its only 2 percent I always pay early before time