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

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX
Product: Credit reporting

I have consistently provided clear claims for each of my disputes against the unfair credit reporting practices of Equifax, XXXX. I have filed all necessary complaints to dispute the purported XXXX delinquent account. Each bureau has reported back that " XXXX has verified that the account belongs to me. '' That is not the nature of my dispute, and is legally insufficient to justify leaving that inaccurate record on my credit report. The FCRA and FCBA state clearly that whether an account belongs to the intended person or not, if the account information is wrong then it must be deleted. That is the issue at hand. I have submitted a demand for reinvestigation in full accordance with the FCRA and requested the immediate placement of a consumer statement XXXX less than XXXX words XXXX on my credit report with specific regard to this purported accurate account reported by XXXX XXXX. I am submitting this complaint because Equifax, XXXX have all failed in acknowledging and properly processing my demand for reinvestigation. So I 'm submitting it again and I 've cited the specific federal statute that allows for my consumer statement and reinvestigation into the purported delinquent account reported by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone applied for and obtained credit cards and loans in my name with different financial Im not sure how they got my information Im not the owner of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : INQUIRIES Account Number : XXXX XXXX XX/XX/year> :
Product: Credit card or prepaid card

Corporate card payment remittance from employer to American Express was delayed to due internal payment processes outside of my control and resulted in assessment of fee. Attempt to resolve fee with card provider led to opening of case that was never resolved. Subsequently closed down account though card provider continued to compound fees for underlying charges that were already fully paid by employer over course of 5 months.
Product: Credit card or prepaid card

On XXXX the XXXX I went to the website to check too see what I had to pay for my hiltons honors American Express come to find out they closed my account no reason given I made a call in American Express and I told him that I was going to put in a complaint the next day on the XXXX I received a letter stating that I had spoke roughly to one of their people in customer service it is said in the letter dated XX/XX/XXXX that I use abusive language towards their members that is a lie, I had no reason to have abusive language towards their company I had no problem with their company, the only problem I had was a they a charge that I didn't know where it came from and that was did done over the computer. ( XX/XX/21 XXXX XXXX XXXX NY ) Which leads me to believe they are talking to another company that had a credit card that I just closed that is XXXX XXXX. I have had heated discussions with XXXX XXXX not American Express, ( I closed that card and asked for everything in writing ) if they did this I'm accusing them of collusion ( They are teaming up to shrink the available credit that effects the credit score, try to push me to pay day loans ). I was making the payments for the American Express on time in had no problems with their company I have a letter saying I use abusive language ( they need to tell me what abusive language I use in what it was about because I had no problem with them until XX/XX/XXXX. I had a problem with XXXX XXXX not them, I have the letter sent, I'm going to see about some legal action after this.
Product: Debt collection

XXXX they tell me they want to to speak with me that it's a business matter I told then I dont owe them any money and they keep calling every morning they are scamming people
Product: Credit card or prepaid card

Huntington decreased my credit limit from XXXX to XXXX and refused to give a reason why. I talked with several Huntington associates and they said theyre not able to give a reason. I have no outstanding debt, an XXXX credit score, never missed a payment, own my home, no mortgage, decent income, XXXX in a Huntington checking account, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was paid in full and i would like the account removed from my credit report - it is listed as a derogatory account.
Product: Credit reporting or other personal consumer reports

Seventeen unauthorized wire transfers totaling {$5900.00} were made from my account at XXXX XXXXXXXX XXXX XXXX. These transactions occurred between XXXX XXXX and XXXXXXXX XXXX Pacific Time. 
I was asleep but was awakened by the sound of a cell phone notification around XXXX. Upon checking, I found notifications from XXXX. These notifications were not in the form of emails or texts, and nothing was left in my mailbox. I attempted to click NO on at least two Confirmation Required prompts, but each time, the response displayed Request has expired. 

I immediately called XXXX, but I had to wait over 20 minutes to reach the first available representative. The representative subsequently placed a lock on my account and informed me that approximately 17 wire transfers had already been completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 around XXXXXXXX XXXX Eastern Time, I attempted to log into my TransUnion account. I was unable to login with my username and password. I tried to reset my password, but I was not able to. TransUnion 's website was stuck on Step One of verifying my identity in order to reset my account password. I thought that maybe I needed to sign up again. I clicked " Sign Up '' and filled out my information. The website then asked me for my credit card information. The website did not mention that I was about to purchase a service or provide me with a total. However, the website would not let me proceed with registering an account without registering a credit card, so I did so. It was only after the registration process was complete that I realized the TransUnion charged me {$24.00} without explicitly notifying me that it was charging me or informing me of what service I was purchasing. I immediately cancelled the service, but it had already charged my credit card. I only wanted to view my TransUnion credit score and unfreeze my credit. TransUnion essentially charged my credit card without explicitly notifying me that it was charging me or telling me what I was purchasing. This is my formal complaint against TransUnion 's predatory practices for the sake of parting unwary consumers from their money. 

When the charge posts to my credit card, I intend to dispute the charge with my credit card company as TransUnion did not explicitly inform me that I was making a purchase and did not provide me a total amount for what I was purchasing.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX. I remitted money to XXXX through Sigue Corp on XX/XX/year>. The order number is XXXX, and the amount is {$2500.00}. I have never received it in XXXX! I have requested a refund from SIGUE CORP through different methods. Now it has been XXXX  months, and I have not received their refund check! From the Internet, I learned that the national financial regulator ordered SIGUE CORP to stop remittance activities on XX/XX/year>. SIGUE CORP also signed a consent order. The states will use the statement signed by SIGUE CORP to submit bond claims on behalf of affected customers or assist them in the claims process. I hope to receive a refund check as soon as possible!
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT DATA X MANY DISPUTE LETTERS ON MY NAME AND ADDRESS, I DONT HAVE A MIDDLE NAME. DATA X SENT ME A COPY OF MY CREDIT REPORT ON XX/XX/2020 WITH NO DATE OF BIRTH, A FRAUDULENT MIDDLE NAME AND ADDRESS
Product: Payday loan, title loan, or personal loan

On XX/XX/2020, I contacted the loan company and agreed to pay the loan that I had. The company had already charged off the account as a bad account. We agreed that I would settle the account for less than was owed since they had already gotten paid because of the charge off. I paid {$450.00}, half of what the debt was. This account still shows as derogatory on my credit reports. I have recently disputed this account and the status still have not been corrected.
Product: Vehicle loan or lease

I bought a car from Carvana and the delivery date was XX/XX/22. The day before I verified with Carvana all documents needed and the check. I stayed at the bank and upload pictures of the check and asked was everything correct. I was quoted {$28000.00} by caravana for the purchase of the car. My bank then issued a check for that amount on XX/XX/22. The representative of Carvana confirmed my check was uploaded into the system and everything was correct and nothing else required except on the day of delivery which was the next day to provide the physical check and sign off. The tech delivered my vehicle to my house on XX/XX/22. I test drove, signed the paperwork and provided the physical check. I then went back inside my home and continue to work. I notice the tech didnt leave after a whole abs then called me saying the check was an overpayment for the purchase amount, that they would need to take the car back and I would need to go get another check. That was traumatic especially given I had already sold my old car and was leaving out of town the next morning. It got escalated and I talked to an advocate and the resolution after about 30 minutes on the phone was that they would refund me the difference of {$1000.00} and would call back with the timeframe and more information regarding the refund. I did not get a call back. Talked to several representative and chatted and was told XXXX business days. That went and again talked to several people and we are now at 6 weeks and still no check sent to my bank ( verified XX/XX/22 ). The resolution executive at Carvana is no longer answering me my reply and each person she calling in tells a different story and that there isnt a supervisor available. I just want my refund and theyve had ample time to resolve the issue and havent. Talked to Carvana again on XX/XX/22 and the checked was mailed via regular mail through USPS on XX/XX/XXXX and it us XXXX over the 15 business days and still no check nor can they track it or provide any other information.

It is approaching the 2 month mark since I bought my car and have been trying by to get my refund from them. Originally was told it would be overnighted so why it was sent supposedly regular mail and no way to track it doesnt make sense.
Product: Credit card or prepaid card

Wells Fargo firstly fraudulently charged me extreme and excessive overdraft fees upwards of {$300.00} dollars even though I had already explicitly stated and changed my policy agreement so that overdraft protection would not be added on to my account and i would not be charged any fees but they still did this and I ended up with hundreds of dollars of illegal fees that they would not waive no matter how much I pleaded with them and that was the first red flag. Next they opened a credit card account for me which I never asked for I used the credit card here and there until one day some how the limit of XXXX was reached unbeknown to me because there is no way I could have ever spent that much in the 6 months or less that I had been using the card. Excessive fees were charged and interest rates were exorbitant. I since have closed the credit card only to see my balance is now at {$3800.00} and climbing even though I closed the card and intent to settle as I do not believe these are legal and true charges I made. This company is so fraudulent and takes advantage of people who ca n't defend themselves or fall victim to big banks schemes. I am a college student trying to pay my student loans and now this, this is just yet another instance of the bank committing crimes and the consumer is bearing the cost. Please if you can help me to resolve this issue with wells fargo I would do anything. I would even pay them even though I believe they should be paying everyone who has been harmed by them not the other way around however carrying this burden on my shoulders and on the shoulders of my credit report is really taking its toll not to mention the stress it puts on family members and love ones. Thank you
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Claim Denial Case # XXXX I am submitting this complaint regarding **XXXX XXXX XXXXXXXX denial of my fraud claim related to my account ending in XXXX. The claim, was denied without adequate justification or proper resolution. 
Details of the Issue : XXXX. XXXX XXXX : ** XXXX XXXX. **Amount Disputed : ** {$460.00} XXXX. **Reason for Denial : ** XXXX  XXXX XXXX claims the charge is consistent with previous charges with this merchant. However, this charge was unauthorized and fraudulent. Additional Evidence : I have filed a police report regarding this fraudulent charges and am attaching a copy of the report with this complaint. This further demonstrates the seriousness of this matter and supports my assertion that the charge was unauthorized.

My Concerns : Insufficient Investigation : XXXX XXXX XXXXXXXX XXXX on historical transaction patterns is not a valid justification for denying a fraud claim. The circumstances of these specific charges must be reviewed independently. 
Lack of Transparency : I have requested documentation supporting their decision, but none has been provided. I believe this is a violation of my rights as a consumer under the Fair Credit Billing Act ( FCBA ). 
Impact on Credit : XXXX  XXXX XXXX has added a comment to my credit file that I disagree with XXXX  XXXX XXXX decision, but this is not an adequate resolution. The disputed charge must be removed entirely. 
Desired Resolution : XXXX. Re-open and re-investigate my fraud claim. 
XXXX. Provide all documentation and evidence reviewed during the original investigation. 
XXXX. Permanently remove the disputed charge and ensure it does not negatively impact my credit report. 
XXXX. If the bank can not prove the validity of the charged, they must delete these charges from my records immediately. 
I trust that with the additional evidence provided, including the attached police report, this matter will be resolved fairly and expeditiously. 
Thank you for your assistance in this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

To XXXX XXXX : ( This is the XXXX Letter Sent To Your Company ), prior 2 certified letters. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Acct # XXXX RE : Cease and Desist Request and Deletion Of Collection Account From My Credit Reports, XXXX, XXXX, XXXX and XXXX. This letter is to formally notify you that I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ), and request that you immediately cease all communication with me regarding the alleged debt associated with account number XXXX. As part of this cease and desist request, I demand that you stop all forms of communication, including but not limited to, phones calls, letters, emails, or any other means of conduct. /////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// Furthermore, please be advised that reporting this collection account to any credit reporting agency constitutes an ongoing form of communication. By continuing to report this account on my credit reports listed above, you are violating my cease and desist request. I demand that you immediately remove this collection account from all credit reporting agencies listed above. ////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// Failure to comply with this cease and desist request, including removing the collection account from my credit report, will be treated as a violation of the FDCPA and may result in further legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/2014 ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2014 ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Product: Debt collection

i am getting 3-4 phone calls EVERY SINGLE DAY and when i answer the phone it HANGS UP ON ME .so basically, this phone number calls me 3-4 times DAILY starting very early in the morning and running very late at night and EVERY SINGLE TIME I TRYT ANSWER THE PHONE IT HANGS UP ON ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my complain for you to notify some inaccurate information on my credit file that was still reported. I found out that some are incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 2 credit bureaus to validate this account ( A ) .Kindly provide any proof specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$30000.00} ;
Product: Vehicle loan or lease

to whom it may concern i applied for auto refinance through XXXX XXXX XXXX loans i was approved, they matched me with axos bank before they lowered my monthly payments it XXXX for a XXXX XXXX elantra that i purchased in XXXX im on a fixed income i get my check once a month XXXX before the XXXX because of the account that i have with chimes bank which pays you XXXX before the due date # XXXX the didnt take that much off # XXXX they keep applying these late fees i have asked them severals times if they can lower my payments from XXXX to now paying XXXX a month is not helping me i'm not able to work due to arthrtis of the knees i only get XXXX from ssa a month after i pay my bills i have nothing left! i get calls for collections i get calls that my car is up for repo i asked them to please change my due date they tell me when i'm current on payments thats not going to happen because i pay on the XXXX or the XXXX then after the XXXX of the month it goe from the XXXX until the XXXX XXXX pass due then here comes the late fees i even tried to refinance my car again through the axos bank itself DENIED! THIS THE WORST BANK I EVER DELT WITH PLEASE CAN YOU LOOK INTO THIS MATTER I NEED MY CAR I HAVE MEDICAL ISSUES, THEY KNOW OF THIS, THIS BANK HAS NO EMPATHY FOR NO ONE IN THESE TRYING TIMES! ... ... XXXX BLESS STAY SAFE THANK YOU XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX  XXXX Balance : {$910.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$580.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> ''
Product: Credit reporting or other personal consumer reports

This complaint to LIGHTSTREAM for allowing fraudulent inquiries on my credit report. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX