23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX Subject : Dispute Under Section 605B Dear CFPB, I am writing to formally dispute the inaccuracies associated with my credit report as outlined under Section 605B of the Fair Credit Reporting Act. I am appalled by the negligence displayed in reporting my credit information, which has resulted in significant damage to my creditworthiness.

Upon reviewing my credit report, I discovered XXXX XXXX XXXXXXXX Acct # XXXX. This information is not only erroneous but also misleading, and I demand an immediate investigation into this matter. 

According to Section 605B, I have the right to dispute any information that I believe is incomplete or inaccurate. I expect a thorough investigation to be conducted, and for the inaccurate information to be corrected or removed promptly. Furthermore, I require written confirmation of the actions taken regarding this dispute within 30 days of receiving this letter. 

I am particularly frustrated by the lack of due diligence exercised in maintaining accurate records. This oversight is unacceptable, and I will pursue all legal avenues available to ensure that my rights are protected. If I do not receive a satisfactory resolution, I will not hesitate to escalate this matter to the appropriate regulatory agencies. 

Please consider this letter a formal notification of my dispute. I expect immediate action on your part to rectify this situation. 

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

I am having major issues with my name and addresses on my credit profile. My CORRECT NAME IS : XXXX XXXX XXXX please delete remove any other variations of my name. I have a few addresses that I never lived at on my credit file they are fraudulent addresses, please delete : PO BOX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX LOT XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX My current and only address is XXXX XXXX XXXX XXXX NC XXXX.
Product: Credit reporting or other personal consumer reports

This account with more than nine years in my credit history contains inaccurate information in the different credit bureaus, which does not reflect payment history or date of first delinquency, indicating that the account was sold in XX/XX/2018 without including who it was sold to. This inaccurate information falsely minipulates the statute of limitations.I am demanding a deletion of the following account : XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX EXPERIAN : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, Ive been a loyal and an on time paying customer for at-least 6 years with this company! My overall credit has always been excellent and Ive never had a negative remark! After not using this card for almost a year, I woke up over one weekend to a surprise notification from my credit monitoring app stating I had a reported delinquency from this company for a 30 day delinquency. As you can imagine, this came as a total surprise to me as I received no communication from this creditor and without warning about it before it reported to the credit bureaus. Come to find out, they charged me an annual fee and even after 30 days of delinquency, I didnt received a single call, voicemail, email to warn me of this delinquency and provide an ability for me to avoid a credit reporting. This all happened while this company bombarded me with unsolicited advertisements and promotional emails. Once I realized this, I called and paid off the entire balance of {$41.00} but to my dismay the damage was done by losing almost 100 points on my credit score! Im really hoping you guys can do the right thing here and remove the unjust negative credit reporting especially during the state of affairs with COVID and lack of proper warning/communication. Thank you in advance.
Product: Debt collection

I submitted a dispute with XXXX and XXXX and not resolved. I reviewed my consumer reports and noticed that there was an inaccurate accounts on my credit report. 

I contacted XXXX and XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

This is fraudulent and I have no knowledge of this account.
Product: Debt collection

Was contacted by XXXX XXXX on a debt that capital one sold them but has already been paid! Basically Capital one just scammed them! Im sure it was a mistake but I just want this corrected before XXXX XXXX  tries to put this on my credit! A written correction!
Product: Debt collection

My loan had a debt cancellation provision which should apply as I was involuntarily XXXX  from XXXX XXXX XXXX XXXX  under XXXX XXXX  and honorable conditions. 

This discharge directly impacted my ability to repay said debt.
Product: Credit reporting or other personal consumer reports

Remove these inquiries, please. I have no knowledge of them, and the company did so without my consent.
Product: Vehicle loan or lease

Wells Fargo Bank financed my purchase of a XXXX XXXX XXXX in XXXX, after I placed a {$5000.00} down payment ( acct # XXXX ). I have never missed a payment and XXXX XXXX XXXX XXXX claims that I owe them for 3yrs of  auto insurance and because I refused to pay their excessive unnecessary insurance fees, Wells Fargo Charged Off my auto loan and refused my payment of {$450.00} in XXXX of XXXX. Wells Fargo Bank reported this false debt to the credit bureaus and increased the monthly payment amount to almost {$600.00} per month. I complained to the credit bureau about this and was informed that their ( WF ) reporting was improper. But they ( WF ) refused to retract their demand for payment for 3 years of insurance coverage. I have never had an insurance claim with my insurance company ( XXXX XXXX XXXX ), nor have I ever filed a claim with W.F. I have never been answered as to how can they ( WF ) can Charge Off my loan without ever missing a payment. Last year XXXX or XXXX of XX/XX/XXXXWells Fargo publicly announced that they had over 500k auto loans customers that had forced insurance wrongfully places on their accounts. Some even had their vehicles repossessed!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit file and I found out that I have a few fraudulent accounts reporting the I never opened up. My full name and current address are : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX The following SS # is not mine XXXX please delete it! The following addresses are not my I do not live at the following : XXXX XXXX XXXX XXXX, OH XXXX I am currently XXXX XXXX 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I am currently Fully XXXX XXXX Please remove the following employers : Not Provided, XXXX XXXX
Product: Checking or savings account

Problem 1 : I have XXXX of my money in the money market account and interest rate was 4.84 % but because it was XXXX I would only receive .25 %. When I called Friday XX/XX/01. I was told by the CSR that as soon as it becomes < XXXX .The difference would be credited > XXXXXXXX XXXX But When I called I was told they would not honor and some one call XXXX -last name unknown ( I was not given his last name or designation ) and that this person has the authority to make decisions. Inspite of repeated attempts my questions are not answered Problem 2 : They raised the interest rates and had an ad on the website of higher interest rates and I was on the lower rate for 2 months, before asking them via secure message only then did they give me the new rate : It is well documented and would be on the secure messages I sent them Both are classic examples of very deceptive business practices
Product: Credit card or prepaid card

I am a XXXX  in Massachusetts who had the sad experience last XXXX of discovering that a former XXXX XXXX of the office which I share with another XXXX  had committed bank fraud by using the information on a paper check ( that I wrote to give her a XXXX bonus ) to pay her own bills online. This amounted to only a few hundred dollars before it was noticed and the bank account was closed, but led me and my accountant to take a closer look at my business credit card, revealing over {$5000.00} worth of fraudulent charges on my business credit card, attributable to the same employee - very traceable charges such as cell phone bills, parking tickets, utility and cable bills ... etc. These occurred over the course of several months starting in early 2018. I called in this credit card fraud to the fraud unit of Chase bank, who administers this business VISA card, and they kindly reassured me that the fraudulent charges would be reimbursed, and I noticed that the fraudulent charges were quickly duly credited to the new Chase credit card account that had been set up after the first was closed. I was told on XX/XX/2018 by the fraud department that the reimbursement check of {$5200.00} for the fraudulent charges would be mailed to me within 2 months. 
A police report was submitted for both the bank and credit card fraud, now elevated to a felony due to the amount of money involved. 
Then, a week ago, I received a phone call in the evening from the " recovery unit '' of the Chase fraud department that asked me several questions and, after learning that this employee had been given the physical card to pay for office expenses a few times ( after which it was returned to my wallet - no ongoing condoned access and not my employee technically as she is employed by the XXXX who runs the office ), this was a civil and not a criminal case and therefore did not qualify for reimbursement. 
Confused and upset, and feeling betrayed by Chase, I even appealed to their executive offices but was told the same thing and told that this is a common practice of the company. I pointed out that I give my credit card to many people to pay for business-related expenses- eg a gas station attendant, XXXX  supply reps - and if they stole my credit card info for personal use this would surely be criminal credit card fraud and subject to reimbursement by the credit card company - they agreed but still insisted my case was not criminal, but civil, so not covered. 
Please help me. I feel that, because of the amount of money involved here, Chase is  dodging fulfillment of one of the reason people use business credit cards, namely the coverage for fraudulent charges. 
I am reachable by cell phone ( XXXX ). The investigating police officer would  also like to be involved and has all of the details of the fraudulent credit card charges : Officer XXXX XXXX XXXX ext XXXX Thanks so much for any help. At this point, it is the principle of the thing, knowing that Chase could fail to protect-as-promised any of their business customers who are affected by this sadly common type of credit card fraud. 

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

XXXX XXXX XXXX is currently reporting in XX/XX/XXXX and XX/XX/XXXX that i am paying late on a closed paid account since XX/XX/XXXX, they are reporting lates to XXXX and XXXX currently which just caused a problem with my current job due to it showing deliquients in XX/XX/XXXX and XX/XX/XXXX, i am no longer liable for account and requesting account be deleted corrected asap there should be no new reportings on this account at all, i have received any communications from Nelnet at all, especially adding new entries of late pays in XX/XX/XXXX and XX/XX/XXXX ... i have attached my XXXX report showing Nelnet inaccurate reportings ... .Please remove asap this is causing a severe hardship and can affect employment this info is not correct and should not be reporting ....
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following fraudulent accounts reported to Equifax under my name : XXXX XXXX & XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX  - Account XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number XXXX XXXX I have requested an investigation and removal of these accounts, but no action has been taken. The entities associated with these accounts are in violation of 15 US Code laws, specifically 15 USC 1681s-2 and 15 USC 1691N .

I urge immediate intervention to address this issue and hold the responsible entities accountable for their non-compliance with the aforementioned US Code laws on my Equifax report.
Product: Debt collection

American Express has been calling me for years and will not stop, even though I have repeatedly asked them to stop. The calls stopped for a while, but they have recently picked back up with vigor. I want it to stop NOW.
Product: Vehicle loan or lease

My loan contract matured on XX/XX/XXXX. The loan payment was set up on auto pay with Capital One Auto Finance to debt out the payment on the third of every month. Unfortunately the last payment was not debted from the account, according to Capital One they told me that they could not debt any more payments from my account because the contract had ended even thou I called them two weeks prior to XX/XX/XXXX authorizing them to debt the last payment on XX/XX/XXXX. I then received a letter a couple of weeks later indicating that I owed them {$4100.00} I was livid. After paying six years on a vehicle ( 72 ) payments curing the contract, I still owe?? This is ludicrous!

I called Capital One and was told that the two payments that was deferred to the end of the loan accrued that amount of interest. According to the contract any changes in interest to the contract had to be in writing only with my authorization. At the time of deferment of the two payments the agent asked me if I agree to the deferment of the payment not including anything additional. As of today ( XX/XX/XXXX ) Capital One has placed my vehicle on the Repossession list. Even though I have made 3 additional payments of {$550.00} trying to stop them from taking my vehicle. My husband is XXXX and this is the only means of transportation that we have. PLEASE HELP ME resolve this issue.
Product: Debt collection

This agency is violating my Consumer rights by using false misleading, misrepresentation, and deceptive means. I have made previous attempts to fix these issues directly, and they are violating my rights. I am entitled to {$1000.00} for every violation I listed. Delete these accounts ASAP or they would have to pay me.
Product: Credit reporting or other personal consumer reports

My had experience fraud with the banks and false information is showing up when I apply for credit. It stating no credit file and I would like information remove. Impacting ME financially. Also fraudulent inquiries is on my report that I did not authorized
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, XXXX XXXX Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : ( XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX )
Product: Mortgage

I was in a loan modification for two years made payments on time and they did an escrow analysis. My payments went up and I could not afford my payments so I filed a chapter XXXX and the bank foreclosed when I was in an active chapter XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent the letters to 3 credit bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. that means the 3 credit bureaus has NOT complied with the Fair Credit Reporting Act Law. REMOVE OR BLOCK THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$850.00}, XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Balance : {$610.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00}XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$110.00}, XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1000.00}XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00}, XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$490.00}, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$580.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Product: Checking or savings account

I have a Business checking XXXX account but I never used it. It charged me {$200.00} in monthly fees already and I have been contacting them for closing this account. But they charged me again on XX/XX/XXXX making the balance to be negative and used this excuse to not close my account. I really don't like this kind of scam. Charging the customer, making the balance negative and refusing to close using this excuse, and charge again on an ongoing basis. 
I hope BMO would do the correct thing for the customers, and stop this kind of practice. 
Simply close my account. 
Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Accounts #, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXXS XXXX, XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2014 Santander Consumer USA reported a 30-59 day late defame remark on my credit report. Loan has allways been on time and Santander failed to provide evidence proof of late on following statement no correspondence has been provided. Via phone, email, or statement incorrect remark please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

XXXX XXXX XXXX is reporting inaccurately on my credit file and they are in violation of the FCRA & the Bankruptcy Courts. 
They WERE NOT included in my bankruptcy and in fact I have never missed a payment and have been current, which they have verified. But because I filed bankruptcy they have to stop reporting, they can not continue to report and damage my credit after a discharged bankruptcy. 
They did n't stop reporting until XXXX and it is affecting my financing. 
They are clearly in violation. They need to put the dates back to XXXX or delete it from my credit report. 
They will not help me and I have been trying for a long time. Someone needs to ensure they fix this. thank you
Product: Payday loan, title loan, or personal loan

I've tried to get a PPP loan with Bank of America ( BofA ) numerous times and they passed over my small business in favor of the large private equity and institutional clients they have.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX turned me down for a lease on a new vehicle, stating that EQUIFAX ca n't give them a credit score, due to some kind of Fraud Alert, of which I know nothing about, nor where it came from, and cant get any answers. No explanation, nor have I been provided any documentation. I have good credit, with no problem getting a credit score from XXXX of XXXX.
Product: Debt collection

I noticed Navy Federal Credit Union has a history of deceptive debt collection practices here -- -> XXXX XXXX  XXXX Below is what I wrote to them : I am having an extreme financial hardship and {$1200.00} was transferred to a delinquent XXXX credit card ending in XXXX automatically from my checking without my consent. This is a policy I have never seen at any other bank and I wasn't clearly notified this would happen. I needed that for living expenses. 

In fact, it actually came from my business account ( which I am waiting on a new card ) so it would have never even happened, I was only transferring it to my person to use that card in the meantime, that's it. 

I am a 100 % XXXX veteran waiting on social security XXXX insurance ( XXXX  ). My next hearing is on XX/XX/23 where they make a determination on my case and backpay for the last three years I have been waiting. 

The screenshot of the XXXX hearing and the amount transferred if attached. I did talk to the collections agent who only could reverse the recent transaction of {$43.00}, and that hasn't happened either, so I was lied to. 

This is making me not want to bank with Navy Federal at all, although I know you have to collect debts, to collect them against a consumer 's will is unethical and I don't remember the credit card application making that clear. It was one of those things in the " fine print ''. 

This is a shame as this bank is for XXXX XXXX service members and veterans, so there was a degree of trust in selecting you. XXXX is FAR better I have realized and I have had them for over 12 years. At the bare minimum, I will be writing poor reviews about these tactics and when I get the chance, I will no longer bank with NFCU. I also have finance lawyers IF NEEDED, but this is ridiculous. 

I have had to change old banks for other practices that were not right which later got the banks sued like XXXX XXXX and XXXX XXXX XXXX