23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Self Financial Incorporated ; Self Financial Incorporated is a purported credit loan rebuilding service. Such offers a credit loan monitoring service for the monthly charge or amount to that of XXXX - XXXX dollars a month for that of a trust deposit program. Such service takes monthly deposits to the amount prescribed above up to the threshold of around or just above {$3000.00} dollars ; where such money is held before being offered to that of being paid back after a two year period. Such service also offers a credit card service, where said deposited funds can be withdrawn an utilised potentially within the stated period ; albeit functioning more to the ere of a Debit card service. While such may be a legitimate service offering for the pretenses of aiding to that of rebuilding credit ; such could potentially be rooted to that of a fraudulent undertaking as opening such account or service actually takes out a loan against a credit report in the amount of {$3000.00} dollars ; where the appearence is then given to that of such regarded to that of borrowed capital which is being paid back. Such stated loan or lump sum deposited payment may not actually amount to fruition based on the information provided. Upon canceling such stated service early ; paid funds were kept as collateral indicating to such intent about money being taken referrent to that of paying back a loan ; as opposed to that of a trusteed deposit to be paid back after a two year period. For persons to cancel stated plan of regard early would essentially entail to the loss of deposited or accrued funds submitted to the such stated service.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit from a company I do not recognized. The company is a third party debt collector attempting to collect XXXX plus dollars. The original company is XXXX. I have never had a XXXX  account nor have I ever incurred a phone bill that large. This has to be an error. I would like this company and it's records removed from my credit report.
Product: Bank account or service

I am in the process of closing my BBVA Compass chequing account since I had acummulated a negative balance of {$160.00}, But I still will like to pay BBVA Compass hopefully in small installments.The reasons for this are as follow : Between XX/XX/XXXX and XX/XX/XXXX my BBVA Compass chequing account had been charged four times with non sufficient funds each time around {$38.00} fees.Of all of those only one was for a real writting check, the rest were electronic payments.Althought I must admit that when all these transactions were paid by BBVA Compass it seemed practical since I did not had to face the payee going after me.But then later I realized few issues with the way BBVA Compass exercise this service on my account for instance there was no a call, email or mailing letter informing of my account been over draft ; all this time I had have exporadic access to the internet and a few years ago BBVA Compass force me to relinquish paper statements.Also in the year 2013 I remember walking to my neighborhood BBVA Compass branch located on XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX and sat with one of their employees at that time to ask for a removal of overdraft protection from my account.I Know could bear my mistakes, but all of these non suficient funds fees were for paying my XXXX, my mechanic, my car insurance and my phone company even some of the bills were for {$5.00} ; had BBVA Compass honored my request of a few years ago all of my payees would be more lenient and cheap.
Product: Checking or savings account

XXXX I had discovered I had theft/violanted on my checking-saving accounts.The total amount was XXXXThe same day I notified Wells Fargo claims XXXXwho documented claims.The claims XXXX advised me to close XXXX Went to wells fargo spoke to XXXX XXXX closed accounts.I said what about XXXX XXXX XXXX told it would be fine. XXXX fraud on my XXXX Called fraud dept. letters from Wells Fargo stating the transactions were from an online secure session by me or someone that had my authority.I have never used XXXX nor did i give authority.Since XXXX until XXXX have been denied. It amazes me that when i was back in the bank on XXXX i wanted my XXXX  removed I was told that it couldnt be by XXXX and XXXX but they could secure XXXX I received a letter from XXXX denied again but As of current im enrolled. I did not request XXXXThey want proof how am I suppose to provide proof when info was stolen.WFXXXX make money by not returning funds. XXXX is not secure as the world is finding out. I was sent a letter that WF is offered me a meteor I have not heated from. I have contacted the FTC, CFPB, XXXX, Governor, FBI, and local media. As of XX/XX/year> my funds are not recovered.
Product: Credit card or prepaid card

In my XX/XX/XXXX Chase XXXX XXXX Credit Card account statement, there was an enormous charge made on : XX/XX/XXXX at XXXX * XXXX XXXX XXXX XXXX for the amount of {$2100.00}. 
It appears like the transaction is for something that was purchased in Hawaii but I am based in California. 

We tried to contact Chase several times throughout XXXX, XXXX, and XXXX, but every time we contacted Chase, they said they would look into it and get back to us. The truth is, they never did and there was no refund or resolution on the issue. 

As a result, we are contacting the Consumer Financial Protection Bureau today on XX/XX/XXXX, nearly eight months since someone had fraudulently used our credit card for this purchase. Currently, we have paid off the amount because Chase has threatened us that if we do not pay this amount, our account will incur late fees and additional charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been approved by FIRST PROGRESS Credit Card Company for a credit card balance of {$1000.00} I have had the card and have been using the card responsibility for 3 months now, yet, they have not reported the account to XXXX, XXXX  and XXXX  Credit Bureaus at all. Please have them ( FIRST PROGRESS ) report this credit card account to XXXX, XXXX  and XXXX Credit Bureaus as it is positive credit history with a balance of {$00.00} with on time and no late payments, that will inevitably be favorable on my credit report and will help to increase the score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this item on several occasion. I contacted the creditor and also received information that is not correct. I sent what I received from the creditor along with a dispute and this item was not removed from my credit report which violates the credit reporting act. As stated if the information is not correct it should be delegated from my credit report. This has caused hard ache with me trying to purchase a home. Experian states they have verified but never provides source of verification or validation as requested in which also violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my bank lender that I was not approved for a home equity loan because of derogatory items on my credit. After I pulled my credit report for myself, I notice unknown, suspicious accounts. Please remove these accounts that do that belong to me from my report. There has been a identity theft. 

XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX   XXXX {$930.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX {$1400.00}
Product: Payday loan, title loan, or personal loan

I applied for a personal loan online at Cash Advance America. I was contacted by a representative by the name of XXXX XXXX, employee number XXXX, from the number XXXX that stated that I qualified for {$1000.00}. He stated that my payments would be $ XXXX monthly with 5.19 interest. He asked my credit score and I told him, he then stated that because it was so low that I would need to increase to {$1000.00}, take {$50.00} and purchase a XXXX XXXX  or XXXX XXXX and give them the information from the card, keep the receipt and mail it in the next day after I have received the deposit into my account. After following his directions, I gave him the XXXX Play card information and he then tells me that I would need {$75.00} in my account to get the deposit to prove that I have a bank account in good standing. When I told him that I didn't have it, he stated that he would need to transfer the money to my account through a mobile bank as a trial, and that I would receive my money the next day after the trial money was withdrawn and sent back to them. I never received any money and they have my {$50.00} from the XXXX XXXX card. He also stated that his supervisors name was XXXX XXXX. When he realized that I caught on that it was a scam, he will no longer answer the phone. It just rings and goes to a busy signal.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation of the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against EQUIFAX regarding the inaccurate information reported in my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XXXX XXXX of Credit Report, I discovered discrepancies in the following account ( s ) : Account Name : XXXX  Account Number : XXXX Disputed Information : Inaccuracies, account number is reported as incomplete, high balance is reported differently in the credit agencies, date of last activity, last payment, and credit. 

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, EQUIFAX has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted on my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit card or prepaid card

I have sent this company numerous emails with the information that was requested after talking with the cards customer service reps. They said there is nothing they can do at all on their side. Ive sent emails since XXXX XXXX of 2019 with my information. I hated doing this so unsecure, XXXX the asked for a copy of my DL and SS card with paystub ... I never received any formal request at all or even in the mail. They just denied me all access to my account on line and all the funds I had on the account. They still have not got back to me..I will be closing this my vanilla card and never using it again.
Product: Credit card

Dear Sir or Madam, In late XXXX / early XXXX this year, my renewal membership fee hit my British Airways Visa Signature credit card account and I was hesitant to keep my card open as I do not fly British Airways a lot and I was not sure whether it was worth keeping open with the fee. 
After speaking with a representative for XXXX minutes, he convinced me to keep the card open because of its numerous benefits including the ability to earn XXXX point per dollar spent. In his own terms, " this is a major selling point '' of this credit card as most other cards only earn XXXX mile per dollar spent. Following this conversation, I kept the card open and immediately paid the {$95.00} annual fee. 
Fast forward exactly XXXX days and the main perk of this credit card is cancelled. On XXXX XXXX, I received notification from Chase that I would now earn XXXX point per dollar spent on the credit card. Chase did not even try to offer me something in exchange, like an improved benefit. Nope. Nothing. I would have to bear this devaluation with nothing in exchange despite paying the annual membership fee. 
I mean, this was the number XXXX benefit of this card as no other airline co-branded credit card offers more than XXXX mile for dollar spent. And this, just 45 days after I spent time with a representative who convinced me to keep this card and pay the annual fee to keep this perk. 
In any case, I find that very unethical on Chase part. This is really a bait-and-switch game where customers are misled about the benefits of the card, are enticed into paying a membership fee to get the benefits, only to be disappointed later that those benefit no longer exist. I lived up to my part of the contract and I paid the annual membership fee. I was expecting Chase would do the same. 
My disappointment with Chase can be observed in my spending with this card. In 2014, I spent over $ XXXX with this card. This year, I put my card on the drawer following this change and have not used it since late XXXX when changes went into effect. This is my way of protesting these unfriendly business practices and after all, I can use my XXXX XXXX XXXX credit card. 
Still, I feel that I have been cheated and this is why I am writing. I am writing to get compensation for this. I paid the annual fee that promised me a specific bonus. But I have not been able to enjoy what I paid for. In addition, Chase changed the term of the contract a mere XXXX days after I spoke to a retention specialist, implying that he knew about the impending change but decided not to tell me about it. I think this behavior is unethical. 
My regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite my prior multiple attempts to address this issue, the incorrect opening dates remain unresolved. The incorrect opening dates listed for my accounts have caused significant inconvenience and potentially impacted my financial standing. It is imperative that these discrepancies are corrected immediately. To support my claim, I have attached all relevant documentation once again, including proof of the correct opening dates and any other supporting materials. 

Given the seriousness of this matter, I urgently request that your team take the following actions : Immediately correct the opening dates on my accounts to reflect the accurate dates. 
Provide a detailed explanation of the steps taken to resolve this issue and prevent similar occurrences in the future. 
Confirm in writing that the corrections have been made to my accounts. 
I understand that resolving such matters can be complex, but the prolonged delay in addressing these inaccuracies is unacceptable. Please provide regular updates on the progress of this issue until it is fully resolved. With this, I am asking for your assistance to correct the accounts : XXXX XXXX Balance : {$170000.00} ; XXXX XXXXXXXX Balance : {$35000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} ; XXXX XXXX XXXXXXXX Balance : {$540.00}.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Between XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, all information requested of Columbia Debt Recovery LLC, DBA Genesis in XXXX, Washington has been provided. As a response to a prior CFPB report, Genesis has stated this account has been closed, and all credit bureaus have been notified that the debt is not mine. 

As of today, XXXX XX/XX/XXXX, XXXX stated over the phone that no information since XXXX has been provided to them in regards to the account associated with this debt. It has been XXXX months since resolving the debt with Genesis, and I'm still dealing with derogatory comments and inaccurate information on my credit file ( s ). 

Others should be warned that Columbia Debt Recovery LLC, not only lies about when rental contracts are taken out in your name illegally, but also about when credit bureaus are notified that accounts are not yours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX : {$420.00} XXXX XXXX XXXX : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX {$120.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX : {$1900.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX : {$760.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX : {$330.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has alerted me that my identity has been compromised. I have placed a freeze on my Equifax credit score as of today.
Product: Credit reporting or other personal consumer reports

Subject : REMOVAL OF DISPUTED ACCOUNT ON CREDIT REPORT- FCRA VILATION. 
Dear Sir/Madam, I am writing to formally request the removal of an disputed account account that appears on my credit report, specifically regarding an account associated with XXXX XXXX XXXX XXXX XXXX As per my rights under the FCRA law. I am requesting Equifax Credit Reporting Agency immediate attention attention to this matter and the necessary steps to rectify this situation. Upon reviewing my credit report, obtained from Equifax Reporting Agency. I noticed an account listed under the name XXXX XXXX XXXX XXXX. However, I don't have no financial or business dealings with this company. I have repeatedly tried to call the company several times and they refused to talk to me about this alleged account. This discrepancy has raised serious concerns regarding the accuracy and legitimacy of the reported information. According to the FCRA Section 611 ( a ) ( 1 ) ( A ), Equifax are required to conduct a reasonable investigation into a disputed information upon receipt of a consumer 's notification of dispute. I did not receive any documentation or response to method of verification of the validity establishing my contractual obligation with XXXX XXXX XXXX XXXX, which is a violation of my consumer rights under the FCRA law. I also remind Equifax of their obligations under the FCRA law Section 611 ( a ) ( 5 ) ( A ), which states that information is found to be inaccurate or can not be verified, Equifax must promptly remove or delete the disputed information from my credit report. Therefore, if Equifax is unable to provide the requested accuracy of the report, information can not be substantiated, I expect the immediate removal of this account from my credit report. I also request Equifax to provide an outline of the results of any actions taken. Failure to comply with these obligations may result in legal consequences, including potential liability for damages. I expect Equifax 's prompt attention to this matter into this disputed account. Failure to address this dispute appropriately will leave me no choice but to pursue all available legal remedies to protect my consumer rights under the FCRA law. Thank you for your immediate attention in this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have tried multiple times to contact Coinbase to get information from them. On XX/XX/2021 they removed XXXX $ from my bank account and the only resolution I was able to get was by speaking with my bank and getting this reversed. Then I made a mistake on XX/XX/XXXX and sent XXXX from my Coinbase XXXX to my Coinbase XXXX account and the funds are not showing in my account. Coinbase refuses to answer my emails since XX/XX/XXXX and I am hoping you can email them and scare them into complying and helping me finally. I have exhausted all other channels. 

Case # XXXX
Product: Debt collection

I found that I owe {$130.00} to a company named " XXXX '' when I checked my credit report. I do n't know what this debt is for, what this company is. No type of contact was made or attempted by this company to let me know why I owe this money and how I can pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Dealer Services have been reporting false information on my credit profile, leading to a significant negative impact on my credit. To address this issue, I have gathered relevant documentation and reached out directly to Wells Fargo Dealer Services to explain the situation and provide evidence of the inaccuracies. Additionally, I have filed disputes with the major credit bureaus, supplying them with the necessary documentation. I am closely monitoring my credit report to ensure that the false information is removed. If needed, I will seek legal assistance to protect my rights and rectify the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXXXXXX 's customer service representative.