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

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : {$6300.00} - Account XXXX XXXX XXXXXXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Debt collection

I have completely paid off my debt to CBE group and it has been removed from the credit report. XXXX has not been updated about the payment and they are still trying to charge me for it. I have tried multiple times to contact CBE group and have left multiple messages. Every time I call and don't leave a message the phone is on hold then hangs up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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: Vehicle loan or lease

I have sent westlake money because they are servicing a loan for American car center. They are adding extra fees and then payments haven't been applied to the account. I've tried contacting them about payments but they can never give me an answer and just keeps demanding extra payments. XXXX payments made in XXXX they claim they don't have. I sent {$400.00} XX/XX/XXXX, {$300.00} XXXX XXXX, {$250.00} on XX/XX/28, XXXX XXXX. A couple of payments are on a card i no longer have access to. This company is constantly harassing me calling from different numbers over XXXX times day and constantly sending emails. I was paying because i was afraid of losing my car but i refuse to keep being harassed by a company that i dont have contract with. They also took it upon themselves to pull my credit without my permission. Something needs to be about this company. I also let them know my signature was forged on the paper work and no one seems to care. They are also calling from local numbers to disguise who they are.
Product: Credit reporting or other personal consumer reports

EQUIFAX IS ILLEGALLY REPORTING DEBT THAT HAS BEEN REQUESTED TO BE REMOVED FROM COLLECTION AGENCY : XXXX XXXX XXXX
Product: Debt collection

This company placed a collection account on my credit that does not belong to me. I was in the middle of financing when the debt appeared on my credit. I have sent them certified letters and i have been ignored. The account name and number is J & S Collection Account Number XXXX
Product: Credit reporting or other personal consumer reports

Experian data on XXXX XXXX XXXX The credit reporting company Experian shows several incorrect and irrelevant addresses, and phone number that are not relevant. i attempted to have them removed and I can not get through to anyone no one is answering
Product: Checking or savings account

For various reasons I chose to close my First Citizens Business Bank account via mail on XX/XX/2021 in writing. I originally spoke to the home office on the phone about closing the account when I was told that I could not verbally request it and I would have to put it in writing, which I did mail a letter on XX/XX/2021. A few days later, I received the letter back stating that it was not signed by the owner, which is me and so I did sign the letter and place it right back in the mail. In the meantime, the last transaction that took place on the account was a check in the amount of {$410.00} on or around XX/XX/2021 and the debit card, which I had in my possession was placed on my shredder to shred when I received the remaining XXXX from First Citizens by Cashiers Check. 
Moving Forward I had not heard anything from FCB on Friday, XX/XX/2021 and still had online access to my account when I noticed suspicious activity of XXXX for XXXX XXXX XXXX, I immediately called the Fraud department at FCB and notified them of the following, ( 1 ) This is not my charge, I have never been in a XXXX XXXX XXXX nor have I ever ordered anything online from them and further more had no need, where I live we have a Sporting Goods store ( locally Owned ) and they could get me anything I needed or wanted. ( 2 ) Anybody that is in the process of closing an account would not wait and place a charge against the account, considering if the bank had accepted my original letter like they should have, the account would have already been closed. ( 30 now this has messed me up in getting my full XXXX back. I knew what I was supposed to get back from FCB. The account was finally closed on or around XX/XX/2021 because I received a Cashiers check in the amount of {$18.00} and not the original XXXX, so I responded with a letter outlining that they need to go ahead and issue my XXXX to me or face a late fee ( s ) and that letter was dated on XX/XX/2021 and so instead of sending me my money, like I am making it up as I go, they mailed a response that they have issued a provisional credit for XXXX and should have resolved within 90 days. Since then I have invoiced them for the funds that I should have already received and instead has put me to more trouble. It is funny to me that they knew good and well I was closing the account and what was funny there had not been activity on the account for two weeks and they went ahead and paid out the fraudulent charge on XX/XX/2021 and only issued a credit on XX/XX/2021, when they should have issued XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid off and closed in XX/XX/2015. It is reporting incorrectly on the credit report. This account is reporting other facts incorrectly and the company nor the credit reporting company will fix it correctly. This was a loan to a corporation and did require/contain a personal guarantee. XXXX IS A PREDATORY LENDER & NEEDS TO BE SHUT DOWN!
Product: Money transfer, virtual currency, or money service

I was the target of a scam and when I called to rectify the situation they transfered me to someone that took over my cashapp and took my money then continued to move " fake money '' then when they were done the fake people pot a charge on my bank and they paid it taking close XXXX in total from me before XXXX XXXX. I still have the proof on my history
Product: Credit card or prepaid card

Chase maintains that they can not place a Fraud Alert on my account after their recent data breach, resulting in a very specific phishing email I received today and reported to Chase Customer Service. 

Please contact me regarding corrective action that needs to be taken by Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I took advantage of a 0 % interest rate for XXXX  months with XXXX. I balance transferred {$3000.00} from my XXXX XXXX credit card to XXXX. Then in about XXXX weeks I noticed the XXXX was on both cards. The XXXX was up XXXX. The XXXX XXXX still showed the full balance. I called XXXX. They said that XXXX XXXX list the payment and was never cashed. XXXX said they put a stop payment on the check and issued a new XXXX check to XXXX XXXXXXXX. Then I received a notice from XXXX  I was over my credit limit snd my credit score was decreased. I gave credit monitoring. So XXXX XXXXXXXX cashed both XXXX checks sent. Now Im over in XXXX  and have lost sbout XXXX points in my credit score. No one at XXXX  will help me get this fixed. I want my credit repaired and XXXX sent back to XXXX XXXX. Please help!
Product: Debt collection

On XX/XX/2019 I contacted Macys debt collection held by Citi Bank. A payment was issued through my online bank the same day to pay the account in full. XX/XX/XXXX Citi Bank stamped the check and deposited the payment into their account. Payment was not applied to my account. 


Since, I have contacted the company 5 times. Each occasion the company has refused to give me the account number, as well as not permit me to speak to a supervisor. 

On XX/XX/XXXX, I was told to fax the proof of payment to Macy 's payment investigation. The representative XXXX told me to call back in 48 hours to discuss the proof of payment and the investigation. This morning I called ( XX/XX/XXXX ) and was told it can take up to 45 days for them to review and investigate the payment. I again was told a supervisor was not available and to call back. 

It is odd to me that a company would deposit any funds received without applying to an account.
Product: Mortgage

I have attached the complaint letter that I sent to the Lender, JP Morgan Chase along with the pertinent documents that follow the time line during their process. 

I believe they did a bait and switch on me, treated me disparately, and their customer service is deplorable.
Product: Credit reporting or other personal consumer reports

These account was charged off on the following date : XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have been trying to catch up on payments since I retired on XX/XX/XXXX. I was XXXX XXXX XXXX prior to that date. I could not continue to work due to XXXX. Between late charges and interest fees I can not catch up. I applied for social security and received it in XXXX. I have applied for XXXX and am waiting for a response. I can not keep up with payments on our current credit cards and my credit score continues to decline. My husband is almost XXXX XXXX XXXX. We can not pay our daily living expenses. I am told I have to pay by today and by XX/XX/XXXX and we can't as I don't get a check until XX/XX/XXXX. I had to set a {$400.00} payment for that date so I can't pay my other bills. I am working to pay off all our other bills with XXXX XXXX XXXX but we are back in debt the same amount I am trying to pay off. We want to pay our bills, we just can't. I have worked since I was XXXX XXXX XXXX. I worked my way through high school and college. There is no way to get out of this whole it seems. We don't go out to eat, we don't go on vacations, and have a XXXX XXXX. We have an old refrigerator, a washing machine that is falling apart, and don't have central heat or air. We went on vacation once in the last three years for one week and I had to work most of that. Please help, I can provide more information upon request.
Product: Credit reporting or other personal consumer reports

my address and name is wrong. I had identity theft, data breach with XXXX, Equifax, XXXX, XXXX and my information is on the dark web. My XXXX and Equifax has not updated my credit report nor provided me with a copy. XXXX is on my credit report and I never had that last name.
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX has failed to fulfill its legal obligation under the fair Credit Right Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

I got money deposited in my Wells Fargo account and it will always be a fee taken out when I asked about it they wasnt clear on why I had all these banks fees coming out. So I started to transfer money out my main account to my savings account for Wells Fargo. Then I noticed once I transfer my money to my savings from Wells Fargo that my main checking account will be in the negative then they will add a fee. I wasnt sure why my checking account will be negative if I transferred the mine that was in there to my savings for Wells Fargo. The company kelp giving me the push around and no real answers. I also had issues with my Account always getting hacked and the bank giving me a hard time about rebursing my money.
Product: Credit reporting or other personal consumer reports

Please promptly remove the XXXX XXXX currently appearing on my credit report. I have provided supporting documents for my request and appreciate your swift attention to this matter.
Product: Debt collection

I've wrote two letters to UNITED ACCEPTANCE for proof of a debt that have no recollection of that reporting on my credit report and never received any proof and is still reporting on my credit report. Required under the Fair Credit Reporting Act to have copy of the original documentation on file to verify the debt is mine. United Acceptance have not provided me any original documentation as required under section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ). They sent me two letters back saying that they verified that the debt is mine but no documentation. They proceeded by sending the debt to XXXX XXXX XXXX and now they are reporting the same debt on my credit report and also contacting me about the same debt.
Product: Mortgage

A new mortgage company has taken over our loan, but we can't contact them. They don't answer their phone nor return emails. They raised our mortgage payment up even thought we are in a fixed rate. But they are doing things without contacting us but only by mail but the don't answer any questions or concerns. We paid 3 mouths in advanced to make sure anything fishy could happen. They are not even acknowledging we made those payments. Its nerve racking and disturbing. Please help us.
Product: Credit card or prepaid card

Despite having kept my account in good standing and never having presented any security risks such as lost-stolen cards or transaction disputes in the past, Netspend has placed a freeze on all prepaid cards associated with my identity after attempting a purchase with the Merchant XXXX through a local ATM nearby my residence that is also within the same zip code. 

Since the declined transaction was placed on XXXX, It appeared that NetSpend had frozen all of my card accounts, taking away my ability to transact or access my available funds. Currently, I have more than {$4000.00} on deposit with NetSpend, which is connected to 2 different prepaid cards, all which have been frozen. 

After speaking to a Representative in the Risk Dept, I was told to send pictures of my State ID Card, Social Security Card, and a letter from state medicaid to verify my address. 

Since the request, I have sent all of the requested documents, plus my marriage certificate to verify my new Surname which appears on my State ID Card as XXXX, although on the rest of my documents appears my maiden name, XXXX. 

I had received an email immediately after my documents were emailed to XXXX which stated my document would be reviewed within 6 business hours. After 6 business hours, I had received an email stating that my documents were reviewed and forwarded to NetSpend 's risk department for further review and would be contacted soon. 

I have received no contact from anyone at NetSpend since. It is now XX/XX/2020, and my card accounts are still frozen. At this point, I would like to escalate this matter a Manager because this is unnecessary, All of these security measures are being taken, although I have never encountered any financial loss tied to my NetSpend accounts. 

These security measures are being exaggerated. I need immediate access to my funds, due to the financial hardship I am experiencing as a result of NetSpend 's actions. I have never given NetSpend any reason to have to flag my accounts as a security risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with CapitalOne was closed in XXXX by CapOne. After closing the account CapitalOne reported late payment activity ( POST ACCUNT CLOSING ) on a closed account. This is a violation of FCRA and FDCPA. Attached is a credit report from XXXX Sent to me on XX/XX/2018 showing the accurate reporting of this account and is attached for evidence that any other reporting took place well after this account was closed. 

I have reached out to CapitalOne via mail and phone with no response. 

Your help in resolving this matter is greatly appreciated. 


Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

these inquires are fraudulent and do not belong to me i never applied for credit with these companies and they need to be removed i have contacted all of these companies and they all told me to contact credit experian and XXXX to resolve this issue i have and they still remain unchanged XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX All Banks - non specific Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX Automobile Dealers, New Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XX/XX/XXXX All Banks - non specific Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In XXXXXXXX XXXX XXXX XXXX XXXX I was unable to make my XXXX XXXX XXXX due to saving the expenses for moving out of the previous environment for safety reasons. XXXX XXXX recorded XXXX missed payments but on my credit report it does reflect XXXX and XXXX 's missed payments for all XXXX loans I have with them. Even though I have XXXX loans, I was making a single consolidated payment ( {$490.00}, then {$490.00}, and last {$310.00} ) for all them due to repayment plan XXXX XXXX XXXX XXXX XXXXl and the deferment kicked in. I wrote a letter to them about removing the XXXX missed payments because I'm in deferment, a clean slate ; but after reaching out to XXXX XXXX, they refused to correct this reporting, citing the Fair Credit Reporting Act ( FCRA ). However, their reporting does not align with the actual number of payments made and missed because they are prohibited from changing delinquency information that was already reported accurately and feel their information is correct. I don't know where the XXXX missed payments came from out of those 2 months missed when everything was one payment for all XXXX loans, should at least be XXXX. I'm fine with having XXXX missed payments but XXXX is outrageous. XXXX loan- missed both months, XXXX loan- missed both months, XXXX loan-missed XXXX month ( XXXX ), XXXX loan-missed XXXX month ( XXXX ), and the XXXX loan-missed ( XXXX ), it doesn't make sense. I am calling for unfair practices please. Instead of keeping all XXXX on my report, XXXX missed payments need to stay on there. Also based on my transaction history it says I did make payments in XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXhat contradicts the missed payments that XXXX XXXX reported on my credit. This means there are multiple issues with how they've handled account and reporting. They were mishandling how my payments were being allocated across my loan accounts.