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

FCRA 605B mandates the elimination of any incorrect accounts from my credit report. These accounts inaccurately reflect the reporting. I'm entitled to {$1000.00} for each mistaken report in my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The only non-fraud document that Wells Fargo has is a copy of the purchase contract of a different company. Wells Fargo Never had any " REQUIRED FINANCING AGREEMENT '' that is the law as required by the " FINANCE Code ". Anyone checking anything to do with : ALL of MY COMPLAINTS '' will get a fraudulently made up account number, made up by Wells Fargo 's Corporate 's employees. I have an email from one of the employees, that claims he has other original documents. The taking of property and selling it " without any FINANCING AGREEMENT '' and fraudulently making up accounts and adding " Legal Fees to come up with charges, and never paying for any damages, the government regulators are not representing me, they would be inforcing the " LAW ''
Product: Checking or savings account

pnc charged me {$100.00} non-sufficient fund fee. during the first overdraft, pnc never informed me that i need to keep a high balance and the merchant will re-attempt the charge. if they told me about that, i would certainly keep the balance to prevent overdraft. when i called pnc, representative was not able to solve the problem and even cut off and trying to hung up the call. i called again,  representative said someone will get back to me within 24-48 h ours, but no one has ever contacted me after that. i am request a refund of {$100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two fraudulent accounts showing on my consumer profiles that I have no knowledge of nor signed my signature for.
Product: Credit reporting, credit repair services, 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, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/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 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 XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I show a XXXX  XXXX bankruptcy on my report. Ohio law and courts do not report to credit bureaus or third party reporting. The courts do not allow that and will not provide that information to the credit bureaus. They are not permitted XXXX, Transunion or XXXX to place information on my report without accuracy or proof from the courts. I would like this removed immediately from all three bureaus.
Product: Credit reporting or other personal consumer reports

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00} for every violation. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

313.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Per FCRA USC1681 ; 1692 validation of debt I requested was not fulfilled for these debt/debt collectors including ( XXXX ) method USED for validation and person validating : ; assignment contract ; purchase agreement, CMI ; date of last payment missed ; opt out of 3rd party agreement; license to collect ; original contract for debt from original creditor ; statute of limitations ; this information should be written form and MAILED to me OR item DELETED IF IT CAN NOT BE VALIDATED. 

These accounts were returned to my credit report as validated. My request and rights per FEDERAL LAWS WERE TOTALLY IGNORED INTENTIONALLY. 

REINVESTIGATION REQUESTED AS ORIGINAL REQUESTED IN XX/XX/XXXX DISPUTE MEMO. 

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

On XXXX I disputed this account XXXX XXXX XXXX. With Experian, XXXX, and XXXX I have never been provided any information on how this account was verified, but yet it's still being reported on my credit reports. All 3 credit bureaus are reporting inaccurate, unverified information. This account needs to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have requested for Experian to investigate into some existing Fraudulent accounts on my credit report. I have supplied Experian with a copy of my police report, FTC report, requesting for fraudulent activity to be suppressed. Experian CB has failed to comply with FCRA in reference to victims presenting with identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection XXXX XXXX XXXX for months.XXXX  and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize any one to pull my credit. I did not apply for an auto loan. I am the victim of identity theft
Product: Credit card or prepaid card

Dear Sir/Madam, I am writing to describe an issue that I have experienced with American Express National Bank XXXX I applied for a credit card with the company and was approved without the proper verification of my income. Due to my current unemployment status, I have been unable to make payments on the credit card and am now being sued by the company for the amount owed. 

I believe that he company 's oversight in properly verifying my income prior to approving my credit card application has resulted in a challenging financial predicament for me. I approached the American Express National Bank Credit Collector Customer Care representative to request a postponement of the monthly payment due to my financial hardship. However, the representative declined my request and did not seek counsel from their manager, instead insisting on the high monthly payment amount, rendering the credit card unusable for me. I even expressed interest in a Product Management role in Software Services and asked if they could refer me from American Express National Bank Credit Collector Customer Care representative however, my request was denied. 

Furthermore, I was distressed to learn that an Amex employee contacted my sister regarding my debt, jeopardizing my personal information and putting a strain on our relationship. This incident has caused me considerable anxiety and stress, particularly in my relationship with my sister and other family members and in my ongoing search for employment, which has proven to be a challenging and uncertain process. 

When I offered to pay them the amount I could afford monthly, under the condition that they do not freeze my account while I am making payments and allow me to continue using the credit card, they refused to reach a settlement and instead informed me of a lawsuit, which I discovered today. This is because my current address does not match the one listed on the card.
Product: Credit reporting or other personal consumer reports

I contacted XXXX twice regarding a late payment dispute with my XXXX 's credit card. This happened around XXXX or XX/XX/year>. My credit score dropped due to XXXX  missed payment that I'd simply forgotten to pay. If you look at my credit history, you'll see that I don't have any late payments. I take pride in paying my bills on time. It was just the XXXX payment to XXXX, which was past-due less than 30 days. It was actually late by two weeks. When I disputed the late charge, I was told by XXXX that they'd contacted XXXX and it was up to XXXX to have the late payment removed. They told me that it is up to the company to report a payment under 30 days and they have to follow the company 's reporting. I tried disputing the late payment at another date, but can't remember the date, and got the same response as the first time. My credit score, although has increased over the years, still takes a hit due to that one late payment on my credit history, which stays on the report for seven years. I didn't deserve this. Removing that late payment would increase my credit score, affording me the opportunity to receive better interest rates when financing purchases.
Product: Credit card

I have been reviewing my statements over the last year for taxes, and noticed a charge for " XXXX XXXX Texas XXXX XXXX XXXX TX '' for {$550.00} on XX/XX/year>. I have never heard of this retailer before, so I XXXX  the exact name as listed and the only results are for " the best shopping in my area '' ; there is no " expanded '' information available that would depictg a phone or merchant ID or any other identifying number, so I can't verify that this is my purchase ( and it is a very similar amount to the amount I DID spend at a verified retailer, so I'm worried we were double-charged somehow as the difference is {$6.00} and one business day ). When I called XXXX  XXXX customer service, they verified that I was the legitimate account owner, and verified that the information the show in the history for that date is the same as what I show, but they refused to release an alternate trade name/DBA, merchant ID #, phone number, or any other information that I could use to identify WHO it was that charged my card. There is no known retailer locally that I am aware of that uses the trade name " XXXX XXXX XXXX  XXXX XXXX XXXX TX '' as their operational name, and I can not even begin to guess at what it might be as it is so generic that it is completely useless ; searching within XXXX using a " quote '' string for exact matches returns XXXX results and suggestions for " great shopping in my area! '' I want to know if I even authorized this charge-and if so-to where? An itemized list of what was " sold '' or billed would be even better. I am highly concerned that we were either scammed or double charged and it flew under the radar.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX XXXX  XXXX  - XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX  - XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car company incorrectly reported a late payment for XX/XX/XXXX, then corrected it. After paying off the loan, as agreed, there was a computer generated error which caused this inaccuracy to be reported. They also reported that the account was closed versus " Paid as Agreed. '' All credit reporting agencies have corrected these inaccuracies, except Experian. I submitted a Dispute and received a letter that the information was correct. However, it is not correct. I do not believe they investigated this fully. If they had ( like all other reporting agencies ) it would have been corrected. This has had a significant impact on my credit score and needs to be rectified immediately. 

Report Number : XXXX Date Generated : XX/XX/XXXX Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeAuto Loan ResponsibilityJoint with XXXX XXXX Date Opened XX/XX/XXXX StatusPaid, Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment Amount - Monthly Payment {$0.00} Original Balance {$14000.00} Highest Balance {$0.00} Terms 106 Months XXXX XX/XX/XXXX XXXX XXXX Reinvestigation Information This item was updated from our processing of your dispute in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased the vehicle from Veroes credit in XXXX of XXXX, paid it off in XXXX off in XXXX of XXXX. 
There is a note on my report showing that there was a repo in XXXX in XXXX of XXXX, the same day i bought the vehicle. 
I just want it deleted from my report. 
Still have not receive my title.
Product: Checking or savings account

XX/XX/XXXX We issued a check to our supplier, XXXX XXXX for {$130000.00}. It was mailed to their main office in XXXX XXXX. It was apparently stolen from the mail without our knowledge. 
XX/XX/XXXX The check cleared our account at Wells Fargo. 
XX/XX/XXXX Wells Fargo fraud department contacted us and said there was a problem with the check. It had cleared our account, but our supplier had not received the funds and was showing us past due. 
XX/XX/XXXX I immediately went to a Wells Fargo branch, in person, and filed a fraud claim. XXXX XXXX had processed the check in XXXX endorsed with a fake name and account number on the back. The check cleared our account before anyone knew what happened. 
XX/XX/XXXX to present XX/XX/XXXX Hundreds of hours of meetings, calls, emails, excuses, delays, and extending timelines have gotten us nowhere. I have found out today that XXXX XXXX  refuses to return the stolen funds and claims the transaction was legitimate and not fraud. Wells Fargo is saying they have to close the case now and can not do anything else. We have been a customer/vendor of Well Fargo 's for around XXXX years, and they do not care XXXX bit. Wells Fargo claims it's up to me to take legal action. We are a small family business and this much money can break our company of XXXX years. Our supplier is threatening to cut us off, which will put us out of business. I have reached out to numerous agencies, police, postal service, insurance, every place and department I can think of, and no one will help.
Product: Mortgage

XX/XX/XXXXXXXX  QUALIFIED WRITTEN REQUEST, AGAIN XXXX In your response dated XX/XX/XXXXXXXX  you claim you reported my XXXX and XXXX payments late because you had purchased insurance so those payments were diverted and NOT applied my mortgage as per my aggrement with you from XXXX. 
You are fully aware that you Chase purchased insurance and on XX/XX/XXXX according to the Account Information you provided posted ( {$2200.00} ) page 11. 
Now after numerous letters, requests, QWR you refuse to correct those late payments you posted for XXXX and XX/XX/XXXX. 
You are fully aware that you violated the law by not doing any investigation. If you had you would have realized you Chase erroneously posted ( {$2200.00} ) on XX/XX/XXXX as I have filed many complaints through CFPB. 

BUT YOU CONTINUE TO IGNORE YOUR RESPONSIBILITY TO CORRECT THE ERRONEOUSLY POSTED ( {$2200.00} ) In addition the refund check you sent me in XXXX  for {$2200.00} to reimburse me for you error was taken by XXXX and I was denied the monies intended for me. 
Again you pretend your not aware of any errors continuing to violate the law. 
THIS IS A DEMAND TO REVERSE THE POSTING OF LATE PAYMENTS FOR XXXX AND XX/XX/XXXX. 
In addition I want you to admit the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments debited from my checking account for {$840.00} was received by your mortgage department. 
Detail in depth if you Chase instructed at any time in XXXX  to date to XXXX XXXX XXXX  or XXXX XXXX or any other servicer that you Chase did not receive {$840.00} on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I'm requesting an IN DEPTH EXPLAINATIN FROM YOU CHASE Admit the following statement is false : We have researched your XXXX  On XX/XX/XXXX, and XX/XX/XXXX, we sent you letters requesting proof of insurance coverage for your property. We didnt receive the requested information, so we purchased a homeowners insurance policy for you on XX/XX/XXXX. For your convenience, we are enclosing a copy of the letters. You were issued an insurance refund after we received proof of insurance. Our research has confirmed that you had a lapse in coverage from XX/XX/XXXX, Otherwise send the documentation that you have in your possession showing there was a lapse of coverage commencing on XXXX XXXX Late payments Chase why did you refund {$210.00} on XX/XX/XXXX Is it true that you once again erroneously charged XXXX for 5 late payments then once again realized your erroneous posting and tried to correct your continued erroneous postings. 
Isn't it true that you Chase by continued errors falsely claimed you did not receive mortgage payments for XXXX XXXX and XX/XX/XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

I just opened a XXXX XXXX and noticed Derogatory marks from XXXX XXXX XXXX one on XX/XX/2018 saying I owe them {$1300.00} and another on XX/XX/2018 saying I owe them {$880.00}. I called the company explained to them it was fraud they said they were going to look into it within 30 days should be removed. This is fraud. I never authorized any of this. I asked them to show me a written documentation where I signed anything with them or any other company that they might be Involved with since I have no knowledge of this. I would like this off my credit as soon as possible due to the fact they have the wrong person and inaccurate information.