23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX Chase withdrew {$3000.00} from my XXXX XXXX XXXX XXXX to satisfy the remaining balance on this credit card. On XX/XX/XXXX and XX/XX/XXXX XXXX additional withdraws from this checking account for {$3000.00} or {$6100.00} total was collected by Chase, even though there was a XXXX balance. I noticed the additional withdraws and contacted Chase on XX/XX/XXXX inquiring about the activity. Was instructed that these were auto payments set up by me, even though I have never used this feature and the account was paid in full. I requested a refund, was sent an email from Chase payments on XX/XX/XXXX with instructions about how to receive a refund. I provided my information that matched all of my Suncoast account information where the money was withdrawn. I received an email on XX/XX/XXXX to confirm that I had requested the refund. There was a discrepancy found in the email that listed my bank account ending in XXXX. This was not the number I provided and called immediately upon receiving the email. I was instructed to input my account information into their site and they would correct the discrepancy on their end. According to the Chase representative, I should have received an email to verify the reimbursement within two days. No email was received and I have placed numerous calls to Chase trying to acquire my refund. I was finally contacted on XX/XX/XXXX at XXXX by XXXX at Chase ( XXXX Ext XXXX ) who left a message that she was looking into my inquiry and would be in contact within three to five days. I called XXXX on XX/XX/XXXX at XXXX at the number provided. I left a message for her to contact me about the status and provided her with information regarding a point of contact with XXXX XXXX XXXX ( XXXX XXXX XXXX Ext. XXXX ) who looked into this so called ACH transfer from Chase and was unable to find any transfer in that amount within the time period that Chase may have transferred monies to XXXX, no matter the account number, just in case it was accidentally deposited into someone elses account. I have made numerous attempts to have my money returned and cant believe the level of incompetence much less the severe disregard for monies owed. I have never been late with a payment to Chase, have kept my account in good standing, and was just paying it off. Please help
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
INQUIRIES : XXXX XXXX XX/XX/year>
Product: Payday loan, title loan, or personal loan

I have has this over a year almost 2, I can not get into there site for exact dates, because every time I try to access it there site refuses to let me in. 
the issue is that I was promised and guaranteed a loan for a XXXX smart tv, when a new store opened in my area, I was told that the price would be {$1400.00} interest free @ a payment of {$49.00} per month. THAT never happened. XXXX XXXX @ check out they had added over {$900.00} in add ons like protection service, warranty service and insurance incase of theft. I dealt with them for 7 hours to get most removed except the thief DESPITE the fact that I showed proof of renters insurance.. 
when it finally go time to go they had jacked up the payment 's to {$85.00} per month only 12 months free interest. There excuse was that credit declined the prop rate. despite me having a letter I hand that guaranteed ME the TV of $ XXXXXXXXXXXX per month. I should have left but I was without a tv. Being XXXX from a XXXX the wore me down and I think took advantage of me. 

the last time I was able to get into there system I had already made payment 's of between XXXX to XXXX dollars, YET they are showing that I still own over {$1600.00}. 

the bill is due on the XXXX of month and not late until the XXXX, is which when I always make my payment 's. YET they are showing on all 3 credit files that I have payed the bill several months late 3 or 4. I have sent then e mail after e mail about this, I have threatened several time to report them to you, the comptroller of the currency the state consumers protection agency 's. THEY last reply WAS GO AHEAD they ALL will side with US as YOU are wrong and we are CORRECT we dont make mistakes. 

SO what do I do now??? I can not get into there system Again so I can not pay my XXXX dollar payment. Last month it took over XXXX XXXX mails to them to get access, I re set the account wrote down all the access inform AND once again I can not get in the account. They do this so that they can XXXX and pillage customers. 

I need help with this, matter They need to be forced to honor there store opening promotion and guarantee. 

they need to be forced to remove all negative information form the credit files as there madness has causes 3 or my credit cards to cut y limits by XXXX 's of dollars my credit score had decreased between 30 to 45 points. 

I live on {$1100.00} per month ssd from a level XXXX XXXX. my rent is {$540.00} add utilities etc I have to decide to eat or freeze. 

There name Conns fits them quite well as they are conn XXXX. I have founds XXXX 's oc complaints about them doing this in every market they have stores in. 

I truly believe that the XXXX XXXX store on XXXX XXXX XXXX took major advantage of me one they figured out that I was XXXX and a us XXXX vet. 

the account number is XXXX there address is conns p.o box XXXX XXXX  texas XXXX my name is XXXX o XXXX my address is XXXX XXXX p.o. box XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Duty pursuant to the FCRA, it is EQUIFAXs duty to be reporting correct and accurate information on my credit report and file, however they are NOT. EQUIFAX is reporting XXXX inaccurate late payment for the XXXX XXXX account ending in XXXX. This includes a 30 day late payment posted in XX/XX/year>. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed XXXX {$1600.00} ; XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to this car dealership with thought of purchasing a vehicle. When they asked to pull my credit- they told me they were going to shop the loan. I told them I didnt want my credit repeatedly pulled. They told me it was a soft pull and all reports pulled same day would only hit my credit report once. XXXX XXXX XXXX dealership pulled hard inquiry- then they had XXXX XXXX Credit pull hard inquiry and then XXXX XXXX XXXX XXXX XXXX pulled hard inquiry. These hard inquiries negatively affected my credit and credit score
Product: Debt collection

This debt collectors engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits they furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they did not follow the proper 5 step validation procedure which makes this unfair practices. According to the FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX Balance : {$190.00} CXXXX XXXXXXXX XXXX : {$760.00}
Product: Vehicle loan or lease

I have setup Autopay with VW Credit since the beginning of my loan in XX/XX/2021. Starting XX/XX/2021, I began having issues with them taking the money out of my account and was never notified. I continued to make my payments on time. In XXXX I made a payment for the XXXX payment multiple times as well as a {$1300.00} payment in XXXX to cover the XXXX payment that VW Credit kept giving me issues with. For some reason they are reporting a late on my credit for XXXX now. I have no idea why or how this is possible. I have had such a hard time with VW Credit that I turned my lease in early due to how unprofessional they have been. They do not take all measures to contact clients if they have issues collecting payments. They do not call, e-mail and send letters which they legally must do when trying to collect payments. When I called and asked they how come they do not call clients, their responses is that they only send letters or e-mails through the portal which always come in late. They sent me a notice for XXXX 's payment on XX/XX/XXXX which was not within legal reasonable time for me to make a payment since XX/XX/XXXX was a short week due to XXXX. I also did not receive the letter from XXXX until XX/XX/XXXX. Also, the payment was due XX/XX/XXXX ( for XXXX to be considered " late '' ) which is a National and BANK Holiday which means it would not have been processed on the XXXX of XXXX. I ended up getting this disputed off the report after many complaints and e-mails to VW. Now, I am getting a XXXX late payment which is not true. I made a {$1300.00} payment on XX/XX/XXXX and it was pulled from my bank on XX/XX/XXXX. This means that I made my XXXX payment. I turned in my lease on XX/XX/XXXX and today is XX/XX/XXXX, which means I can not have a late payment in XXXX since it was made and we are not 30 days past XX/XX/XXXX. This bank has been XXXX to work with and the reason I terminated my lease with them after 6 terrible months. Now my credit reports are showing a late for XXXX and they are not repsonding to my calls.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Unauthorized Credit Inquiries in Violation of FCRA To Whom It May Concern : My name is XXXX XXXX XXXX. After reviewing my Experian credit report, I found multiple unauthorized inquiries from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not initiate or authorize these credit inquiries in any way. This is a violation of my consumer privacy rights under the FCRA Section 604 ( a ) and Section 604 ( f ). The companies did not have my consent to pull my credit report. 

Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), these entities did not have permissible purpose to make these unauthorized inquiries. I request the CFPB immediately open an investigation and require Experian to delete the false inquiries. 

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

I have spoken with Branch XXXX XXXX XXXX of ONEMAIN FINANCIAL on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ONEMAIN FINANCIAL. -ONEMAIN FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Companies is unsure of it's own process of consumer rights as debtors. They Do Not follow Uniform Commercial Coding or Rules. This company has committed Corruption, Asset Misappropriation, Financial Statement fraud, Corporate Fraud, embezzlement, Forgery, wrongful abstraction, wrongful Conversion, Tax fraud. 

15 U.S. Code 1605 - Determination of finance charge 12 U.S. Code 1431 - Powers and duties of banks 12 U.S. Code 1432 - Incorporation of banks ; corporate powers ; housing project loans 15 U.S. Code 1 - Trusts, etc., 42 U.S. Code 408 - Penalties 15 U.S.C. 1691 ( a ) 15 U.S.C. 1691a ( e ) 15 U.S.C. 1691 ( e ) 12 C.F.R. 202.2 ( l ) 15 USC 1605 ( a ) 15USC 1605 ( b ) 15 USC 1681a ( k ) ( 1 ) XXXX XXXX Beneficiary
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. Equifax Credit bureau has failed to respond about the removal of the erroneous information about my account. Sending them letters last time I have not received any response up to this date. On the other hand, inaccuracies about my account are continuously reported on my Credit Report. Therefore, Equifax failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Here is the concerned account that is still reporting on my reports : XXXX XXXX-XXXX-Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

U

nder the 15 USC 1681 ( a ) ( 4 ) Congress makes it clear that a consumer has a right to his/her own privacy. Experian is guilty of the infringement upon my Consumer Right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). Under the 15 USC 1681b ( a ) ( 2 ) Experian did not have a permissible purpose, nor did they have my written instruction or permission to publish this particular item o
n my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third attempt and the accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : US DEPT OF EDUCATION XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX
Product: Credit card or prepaid card

This is my second complaint Citibank says I have to wait to receive correspondence in the mail. Ive already received it and verified myself over 10 times. Yet still my card doesnt work
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following items on my credit report. 


XXXX : XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX  Account Number : XXXX {$0.00} XXXX XXXX XXXX  XXXX Account Number : XXXX {$0.00} XXXX XXXX XXXX XXXX  Account Number : XXXX {$0.00} XXXX XXXX Account Number : XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX Account Number : XXXX {$250.00XXXX XXXX XXXX XXXX Account Number : XXXX {$2800.00} XXXX  Account Number : XXXX {$110.00} Experian : XXXX. 
Date of inquiry : XX/XX/year> XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX  XXXX XXXX Account Number : XXXX {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XXXX Account Number : XXXX {$0.00} XXXX XXXX XXXX Account Number : XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$0.00} XXXX : XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX Date of inquiry : XX/XX/year> XXXXXXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX  Account Number : XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XXXX XXXXL XXXX XXXX Account Number : XXXX {$250.00} XXXX  Account Number : XXXX {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I presented a check in the amount of XXXX at XXXX XXXX XXXX. It was declined and the merchant gave me receipt with the information to call Certegy. I did and requested my file. It was sent. First, there is missing information and unverified information ( DOB ) and the reason for decline is too vague. I, as the consumer, can not request validation as I am not being provided with the specifics for the declined check. It gives code 04 : which states " This transaction received a decline recommendation from Certegy because it did not meet the acceptance guidelines, which can vary by store and transaction. Factors may include a combination of : the check number, dollar amount, check-writing history, or other transaction details. Generally, these guidelines do not include your account balance because banks typically do not provide it to us. '' The file goes on to provide OUTSTANDING items : which is blank. I haven't written any checks that would be outstanding and/or not paid-defaulted. It states the information retained can remain on my file for four years from the check date or until by the reporting source to remove. I am unaware of any company reporting anything and Certegy isn't providing the information for dispute, validation, or fraud investigation. I reached out to customer service on XX/XX/XXXX and spoke with agent, XXXX, while being rude, stated their is no validation or fraud process. Additionally, I am in the process of chapter XXXX bankruptcy so being denied any owed debt is not allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and have a bunch of fraudulent addresses on my credit report. I keep sending letters for it to be updated by the bureas and nothing.
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 {$7900.00}, {$11000.00}, {$12000.00}, {$320.00}. 
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 XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$7900.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to Experian dated XX/XX/2021 requesting for the chapter XXXX bankruptcy and chapter XXXX bankruptcy listed on my credit report to be validated. I did not receive a response at all within 30 days. I sent a second letter dated XX/XX/2021 notifying Experian that I had not received a response to the letter I sent in XXXX requesting validation of the alleged bankruptcies. I received Experians investigation results by mail dated XX/XX/2021. The results stated the company that reports the bankruptcies to Experian stated the bankruptcies are accurate. I sent another letter dated XX/XX/2021 requesting to receive in writing who reported the bankruptcy to Experian as I am entitled to know under FCRA Section 609. I received acknowledgment of my letter dated XX/XX/2021 by mail on XX/XX/2021. On XX/XX/2021 I received an email from Experian with their reinvestigation results stating the company that reported the bankruptcy to Experian certified that the information is accurate. Experian has violated my consumer rights by not providing me information I am entitled to according to the FCRA and Experian has completely ignored my request. Also Experian is reporting unverified information as far as I am concerned because to my knowledge bankruptcies are not reported to the bureaus and Experian has not provided me with who certified the alleged public record to them. Anyone could be reporting items about me and claim it is my alleged debt or public record. I am requesting that Experian provide me with the information I requested which is who is the company that certified accuracy to Experian including the name and phone number of the person Experian spoke with or I am requesting that this unverified information be removed from my credit report.