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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tn XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Formal Dispute and Request for Account Removal Pursuant to 15 U.S.C. 1692c ( c ) Dear XXXX XXXX Representative, I am writing to formally dispute the information related to my account with XXXX XXXX XXXX XXXX, as it is currently being reported inaccurately. The account details are as follows : Account Name : XXXX XXXX Account Number : XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I am asserting my rights and requesting the cessation of all reporting of this account on my credit report. 

The FDCPA mandates that upon receiving notice from a consumer to cease communication regarding a disputed debt, the reporting entity must comply with such a request unless the debt is validated or necessary legal notices are provided. I have reason to believe that the reported account is inaccurate or incomplete, and I am invoking my rights under this law to have this account reviewed, validated, and subsequently removed from my credit report. 

To assist in this process, I request the following : Validation of the debt, including proof that this account is accurate and enforceable. 
Removal of this account from my credit report if validation can not be provided or if it has been resolved in full. 
To expedite this resolution, I have attached the following documents for your reference : A copy of my identification ( drivers license or government-issued ID ). 
A copy of any correspondence or documentation related to this account ( if applicable ). 
I request that your office investigate this matter promptly and provide a response in writing within 30 days, as required by law. Should your office fail to validate the account or comply with this request, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue further legal remedies. 

Thank you for your attention to this urgent matter. Please provide confirmation once the account has been removed from my credit report or validated to my satisfaction. Should you require additional information, I can be reached at XXXX or XXXX. 

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

On XX/XX/XXXX I contacted TransUnion about the following negative accounts ; DEPTEDXXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1500.00} ), DEPTEDXXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$4700.00} ), DEPTEDXXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$2400.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX RESIDENT VERIFY
Product: Debt collection

I have a credit card with Navy Federal Credit Union. It was a card for XXXX. During the start of XXXX, my hours were cut down to XXXX hours per week. After 6 months my hours went back up to XXXX. In XXXX of XXXX, I left the company due to severe anxiety. 

Navy Federal Credit Union knows all of this. I even offered to give them check stubs and show them proof of unemployment. They refused the information. Even so, they could see the deposits because my money was deposited into the checking account I had with Navy. 

They did set up payment arrangements during some of this time. 

XX/XX/2022, I started a new job and my hours were XXXX which they consider full time. I took a pay decrease as well. But I needed to go back to work because I have an XXXX daughter who I have to spend hundreds of dollars on meds even after insurance. I also offered to show Navy proof of this, however they refused. I get repeated calls during the week and voicemails. I spoke with several people and it was also on their recored line offering help. Help was also on the voicemails. However, when I call, the fact is they said, there ere no help to offer. The have my monthly payments at over {$300.00} a month and it draws interest daily even though the card has been closed for over a year. 

And I was told, its on your credit and will keep damaging it until I pay the monthly fee they said to make. 

I informed Navy credit cards department, managers, supervisors and employees that I can not afford that monthly payment with my income, keeping up with my daughter XXXX meds, bills and mortgage. A XXXX told me that I could just pay what I can. 

However, the next week when I could not access my checking account. I was transferred to speak with the credit card department first and make arrangements before they would release my money in my checking account. Which was {$700.00}. This has been happening for months. The same thing. Lock me out from my money. 

When I informed them, a XXXX said, I can pay what I can because of my situation. The other XXXX said, that's incorrect and didn't bother to listen to the call from previous and said, there is nothing in the notes. 

For the past couple a week I been sending {$130.00} to the credit cards bi-wkly. Paying what I can. And Navy Federal Credit Union dept is still reporting my credit card account late every month. By law, if I pay something, it is not suppose to be reported late. 

I have also been to my doctor because my anxiety is back out of control due to the high levels of stress from this card and the communications with Navy Federal Credit Union. 

I have to now take medication from this. I have told Navy Federal Credit Union credit card department this and have cried on the phone many times. And they do not care. They just keep telling me, it will keep reporting negative until I pay the over {$300.00} a month they are asking. Also the balance is not going down at all. It just keeps going up. Even though the card has been closed over a year. 

At least I am making an effort, however they not even taking that into consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 19 hard inquiries on my XXXX XXXX XXXX accounts & I did not give permission to these companies to access my credit report. I need for you all to remove all of these unauthorized inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested multiple times to have Experian remove the address XXXX XXXX XXXX off of my credit report as it has never been my address. I have sent out requests to have this deleted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have requested other dates but I don't have the certified mail receipts for those dates. Each time they would send me a letter informing me that I would have to contact the furnisher of the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing and challenging the de bt XXXX XXXX XXXX says I owe.

The info being reported is incorrect and its inaccurate.I would like them to verify the correct date the credit was issued.When was the account established.I dont remember this account.I am requesting a copy of my original credit application.I want a copy of every statement for every month the account was open.I dont know if this is my account.Please produce evidence that the account is mines.Again I want a copy of the original credit application and I want a copy of every statement for the life of the account.If you cant send me statements for the life of the account.It is grave violation of the FCRA.Its a violation because you refuse to produce documentation to really verifies the debt is mines.If the account isnt property verified through statements.Then remove it from all 3 credit bureaus immediately.If its not removed its a clear violation of FCRA.I am giving you 75 days to produce statements.After 75 days.Again I am giving you 75 days from reciept of this complaint.This debt being reported to my credit report hasnt been properly I will be filing a federal lawsuit.If this incorrect and inaccurate infomation is not removed from credit.I will also be filing a lawsuit aganist XXXX XXXX XXXX  and the credit bureaus.If they dont produce statements for the time the account was open.I dont want the itemized detailed statement.I want all of the statement.If I have to file a lawsuit.Due to the FCRA violation. I will get a federal subpeona to get all statements and the original credit application.I want every document and statement for the history of the account.You must prove and produced evidence that this account is mine Just to let you know.I am a XXXX  student.
Product: Credit reporting or other personal consumer reports

I submitted a dispute two weeks ago demanding removal of a late payment still being reported on my credit file after the company agreed to remove the late payment of XX/XX/year>. I submitted the letter/agreement from XXXX XXXX XXXXhat stated the credit reporting agencies would remove that late payment and update the payment status of the account. Credit reporting agencies Transunion and XXXX refused to do so after claiming they investigated my dispute. 

Automated and cookie cutter time wasting responses from credit reporting agencies are the normal routine when comsumers attempt to fix errors on their credit file. This is wrong and gross disregard of FCRA laws and operating in good faith.
Product: Credit card

I signed an agreement with a company named " XXXX '' ( a bathroom remodeling company ) to re-do my shower. The agreement was signed on XX/XX/XXXX. The total cost was {$10000.00}. I decided to finance this amount instead of paying at once. As part of the financing agreement, the interest was deferred 24 months from the day of signing. No interest would need to be payed as long as the {$10000.00} was paid off within 24 months ( or before XX/XX/XXXX ). I asked the XXXX representative that I entered the agreement with if the 24 month deferment would be applied to the account automatically, and they confirmed it would be applied automatically and that I did not need to reach out to anybody to set this up. I set up an auto-pay of $ XXXX to ensure the total amount would be paid off within the 24 months. XXXX is an extension of Home Depot, so the credit card was opened up with with XXXX via Home Depot. I checked the balance of the account on XX/XX/XXXX, expecting to only have a few payments left, but there was still a balance of more than {$4000.00}. I checked the last ~18 months of transactions, and realized that Home Depot has been charging me interest since XXXX XXXX. I found a copy of the signed agreement stating no interest for the first 24 months. I messaged Home Depot via the credit card account portal on XX/XX/XXXX, and they pushed me to call their customer service number, stating they could not help with this issue. I called the customer service number ( XXXX ) on XX/XX/XXXX, asking If the interest paid could be credited to the account and if the remaining unpaid interest could be removed. The initial customer service rep was not able to help with this. I was transferred to a supervisor at XXXX ( XXXX XXXX XXXX, who also stated they could not help with this. I was again transferred to another supervisor ( XXXX XXXX XXXX, who said nothing could be done about this issue because it has been more than 60 days. I asked to escalate to a level above her, but she would not allow this and stated a letter could be sent to their PO box . To date, I have been charged {$3200.00} in interest, that should have been deferred until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report is reporting inaccurate and different information between credit agencies. XXXX reporting high credit as XXXX, XXXX  is reporting high credit as XX/XX/XXXX, and Equifax is reporting high credit as XXXX, which inaccurate reporting, delete this account. In addition, XXXX  is reporting last payment as XX/XX/XXXX, XXXX  reporting last payment as XX/XX/XXXX, and Equifax reporting last payment as XX/XX/XXXX, which inaccurate reporting, delete this account. Also, the 2-year payment history is reporting different information from XX/XX/XXXX to XX/XX/XXXX, which makes this account inaccurate, delete this account per violation. For your records and my proof, I enclosed a snapshot of my credit reports.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), SSN ( XXXX ) DOB XX/XX/scrub>XXXX,  This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

the debt was bought by another company and they are still reporting as a owed debt. i requested they stop reporting this debt on my credit report. they sold my debt without my knowledge and the vehicle was subsequently repossed.
Product: Credit reporting or other personal consumer reports

According to the FAIR CREDIT REPORTING ACT, SECTION 609 ( A ) ( 1 ) ( A ), YOU ARE REQUIRED BY FEDERAL LAW TO VERIFY THROUGH PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT-ANY AND ALL ACCOUNTS YOU POST ONA A CREDIT REPORT. OTHERWISE, ANYONE PAYING FOR YOUR REPORTING SERVICES COULD FAX, MAIL, OR EMAIL IN A FRADULENT ACCOUNT. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, XXXX  ACCOUNT LISTED UNDER INQUIRIES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 

15USC1681 SECTION 602 ( A ) STATES I HAVE A RIGHT TO PRIVACY.

15USC1681 SECTION 604 ( A ) STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

I DEMAND THAT YOU REMOVE ALL THE ABOVE ACCOUNTS FROM MY CREDIT PROFILE IMMEDIATELY AND THE CREDIT FILE BE UPDATED. 

***PLEASE REMOVE ALL NON ACCOUNT HOLDING INQUIRIES. 


THANK YOU, YOUR NAME : XXXX XXXX
Product: Debt collection

I was notified by XXXX about a debt collection that landed on my credit report. This is the second time the same Creditor, XXXX provided the fraudulent debt claim to a debt collector. The first charge was dismissed by XXXX. The same debt was sent to a second debt collector who also submitted the collection report to XXXX. The same fraudulent debt was submitted by XXXX to two different debt collectors who in turn submitted the fraudulent report to a credit reporting agency.
Product: Debt collection

Multiple letters have been sent to the credit bureau regarding inaccurate information reported on my credit. Due to their lack of response, my score has been negatively impacted. I have requested for the information to be validated and it has not been.
Product: Credit reporting or other personal consumer reports

I purchased a XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX North Carolina on XXXX XXXX. I found out after reviewing my credit that they used a technique called " Shot Gunning '' The result was 6 Hard Inquiries to Multiple lenders without My Consent. I requested from that Dealer to send Written letters explaining that XXXX XXXX XXXX used " Shot Gunning '' techniques to find 6 banks to finance my vehicle loan without My Consent. They agreed to send letters to Transunion, XXXX and XXXX. All 3 Credit Bureaus denied the request. I have purchased Many New Vehicles in my lifetime and Not once did any of the sellers use " Shot Gunning '' until XXXX of XXXX when I purchased this vehicle. This is Simply Not Right. We must re evaluate these acceptances Indeed.
Product: Debt collection

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT Notice of Dispute Please be advised that this is not a refusal to pay but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 US Code 1692g, that validation is requested. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number ( s ) : Account # XXXX * Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. * The agreement bearing my signature stating that I have agreed to assume the debt * Valid copies of the debt agreement stating the amount of the debt and interest charges * Proof that the Statute of Limitations in GA has not expired. * Complete payment history on this account along with an accounting of all additional charges being assessed * Proof that you are licensed to collect in my state ; and * Your license numbers and Registered Agent or Agent of Service. If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account if any exist must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. This will also serve as your legal notice under the federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communication with me concerning the alleged debt referenced above. Do not contact me, members of my family, employers, or any other third parties regarding this debt. This includes all communication by telephone or electronic communications, such as email or texts made by your company, representatives, or agents. If your offices, representatives, or agents attempt communication with me, members of my family, employers, or any other third parties, it will be considered harassment and I will bring this matter before a judge. All future communications with me MUST be done in writing via the CFPB. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX Re : Account number : XXXX To Whom It May Concern : I am responding to your help with CapitalOne accounts complaint. Since XXXX, I have a credit card with Capital One, while paying my account as Agreed. During XX/XX/XXXX, I logged in to my account and applied for auto pay menu. At the same time, I called Capital One to alert them to the changes. 

Since this time, I have several emails stating my account is over the limit while charging my account a {$25.00} fee for late fee and {$18.00} interest fee. I received a notice Capital One reported my overpayment and late fee to the credit bureaus, dropping my credit scores by XXXX points. 

I ask for your help, and we want a refund for overpayment, clearing up the negative on my credit report and wrongfully treating us unfairly. According to the Bill passed by Congress last month, credit card companies can not overcharge their clients with inflated fees. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I made a purchase in coinbase this Friday ( XXXX ref code : XXXX ) and coinbase double charged my debit card. This caused my account to go in the negative and I have a check thats out pending that will now bounce. I cant get ahold of anyone at the company and this is ridiculous!!
Product: Credit reporting

Before moving to XXXX from XXXX, I had paid off my XXXX ( formerly known as XXXX ) bills and closed my account. However, Equifax is reporting that I still owned {$120.00} and it was sent to collections. This is incorrect information and should be removed. I lived at XXXX and move to XXXX. I have attached a copy of the final bill from XXXX that shows my balance is XXXX.