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

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within XXXX business days. This credit dispute is being submitted as a notification of creditors who are in violation of the XXXX XXXX during the XXXX Pandemic. The accounts that are being disputed, are either in violation of the XXXX XXXX or do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the referenced accounts in XX/XX/XXXX. The Experian credit report attached shows results that these items ( XXXX XXXX and XXXX XXXX ) were deleted from my credit file. Now I notice these items have been reinserted on my credit report. On XX/XX/XXXX I was notified that Experian had placed XXXX XXXX and XXXX XXXX back onto my credit report. Back in XX/XX/XXXX I sent in an Identity Theft Report for which Experian did receive. Experian removed XXXX XXXX and XXXX XXXX from my Experian credit report. I have included a copy of my Experian Credit report from XX/XX/XXXX showing that both XXXX XXXX and XXXX XXXX had been deleted. I am demanding that both XXXX XXXX and XXXX  XXXX be REMOVED AND BLOCKED from my credit file. Please see attached documentation I am also requesting that XXXX XXXX XXXX be removed and blocked from my credit file as well. I expect to have an updated Experian showing the removal in 30 days per law.
Product: Checking or savings account

Dear Customer Service Team, I recently received a response from Chase regarding my claim for transactions between XXXX and XXXX, stating that my claim was denied because I didnt dispute all transactions after I reported my card as lost. 

This is completely unreasonable. I never once mentioned that my card was lost or stolen. What I reported was that my identity information had been stolen, possibly by a XXXX XXXX. Fraud in the U.S. is rampant, and the fact that Chase is not taking this seriously makes me feel that it is because XXXX XXXX. 

The reason I didnt dispute all transactions is simple : the ones I didnt dispute were my legitimate purchases. I didnt notice the fraudulent ones until much later, and thats partly because Chase never alerted me to these large, suspicious transactions. It wasnt until I was preparing to return to my home country that I even checked my balance and realized how much money was missing. I discovered that my card had been used for online transactions with foreign companies, and despite providing you with plenty of evidence, Chasea company that seems to be discriminating against merefused to assist me.

I expect Chase to treat me fairly and investigate this case properly, instead of dismissing it and ignoring the evidence Ive already provided. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I hereby declare that the following is true and fact : The Navy Federal investigators determination regarding the herein referenced dispute, filed on XX/XX/XXXX, and the Merchants claims of a purported debt appears to be founded upon a false record, in violation of U.S.C Title 18 2071 and 2073 and further ; uttering and possessing false obligations and in violation of U.S.C Title 18 -471,472,473 and or 513, and further using XXXX business practices to make and possess false records and claim of obligation, not substantiated by truthful facts in violation of the Federal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C Title 18 1961 et.seq.

I hereby declare that the disputed charge of {$1500.00} is a fraudulent charge.

I hereby declare that no valid Bill of Sale exists which obligate me to pay XXXX XXXX XXXX anything. 
I hereby declare protest and appeal to Navy Federal Credit Unions prejudicial claim determination regarding this matter. 
I hereby declare that Navy Federal Credit Union is willfully conspiring with XXXX XXXX XXXX to charge my account in the amount of {$1500.00}. 
I hereby declare that Navy Federal Credit Union or its claims investigators are not in receipt of any verified evidence which prove that XXXX XXXX XXXX ( merchant ) has a right to charge my account. 
I hereby declare that the all evidence or proof used by XXXX XXXX XXXX pertaining to this matter are void and or misrepresented. 
I hereby declare that I intend to sue Navy Federal Credit Union for the prejudicial decision of its claims investigators who have violated my reserved rights by allowing fraudulent charges on my account. 
I hereby declare that Navy Federal Credit Union willfully refuse to provide me with all accounting papers and documents used to determine my claim as requested. 
I hereby declare that because I have filed previous dispute ( s ) unrelated to this matter, Navy Federal Credit Union is discriminating against me regarding this matter.
Product: Vehicle loan or lease

Capital one auto finance is not doing enough to help people financially impacted by covid 19.
Product: Debt collection

XXXX XXXX XXXX has violated the Fair Debt Collection Practice Act, section 809 ( a ) ( b ). This account was opened or established without my knowledge or consent. XXXX XXXX XXXX  provided no initial communication within the five days of any collection attempts regarding this debt. In addition, XXXX XXXX XXXX has failed to provide any original copies of verification obligating myself to this debt. Since XXXX XXXX XXXX has not been able to provide strict proof of verification, collection efforts must cease and this account should be immediately removed from all three major consumer reporting agencies
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # IQDOSTXXXXXXXXXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I have had my same home mortgage for over XXXX  years with various companies, and have gone through many sales of my loan from company to company. I was previously with XXXX and before that another company, XXXX sold my loan to Roundpoint Mortgage. If you look at my XXXX history it shows Never Late That was for many years. They have been very short on information and when I called and was told to enroll in autopay and how to do that in their website, which I did on XX/XX/XXXX I was still not having the payment autopay. I have NEVER been late on any of my payments the entire time I have owned my home even during Covidwhen I could have suspended my payments. I am Financially sound and have no reason to be late on my payments. 
During this last loan purchase to RoundPoint Mortgage in XXXX of XXXX. The process was very unclear, I assumed that the autopay would transfer, I did not receive communication otherwise. When I did receive communication from them, I paid my payment that I thought had already been taken care of. I enrolled in the auto pay a couple of times to find out that it did not go through in their system causing another late payment and a late fee. there was a lot of confusion during and after the transition and I was not sure if the auto XXXX I had enrolled was going to work. I had to a couple of times go online and manually make a payment and sometimes XXXX payments at once to get my account current, when I was expecting the autopay to have activated. I was told it did not register, so I enrolled again on XXXX XXXX, I also received an email change notice on the XXXX of XXXX?? 
I am a US Veteran and was inquiring about a loan for a new home And lack of notification and and the credit report came back with XXXX late payments with RoundPoint Mortgage. Their mistakes and lack of transparency in the process has cost me a very favorable loan through the Veterans Administration for a home purchase. I then tried to rent a home and was turned down due to the XXXX late payments reported by RoundPoint. I called and they said they cant do anything because the payments were late.when in fact it was due to their lack of notification, communication, transparency, and correct information of the process. 
This was the most difficult transition of a loan that was not my choice to make. I have asked repeatedly for the late payments to be taken off my report, and they say I have to talk to the Credit Bureaus. My documentation shows that their process and procedures are misleading to the consumer. I also want to reiterate that my credit history for m mortgage payment has been impeccable over the las 20 years. Do you think I would risk my credit rating or have late payments or penalties after having clearly been responsible for XXXX + years. 
I have documentation of attempting to enroll in the autopay program twice. 
I am requesting to have both late payment occurrences removed from my credit report immediately. I am a US veteran and have served my country and this is very unfair practice by RoundPoint and the credit bureaus. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this bureau a few times in the last 90 days on XX/XX/108 and XX/XX/2018. Both times i disputed and reported to them about these unauthorized hard inquiries.They have not sent me any results via us postal mail or email. these unauthorized inquiries were not authorized by me and I need them removed immediately. They are affecting me from obtaining credit and moving on in my life.
Product: Money transfer, virtual currency, or money service

Since the XXXX of Friday i set to close my TD bank account, as soon as I setup to close the account.The very next day I started having fees and charges I didn't have. I kept calling to close the bank but they kept hitting me with fees. How am I suppose to close a bank account when they keep giving me fees. They won't close because of the things pending.
Product: Credit card

My credit card at chime was charged several times by turi a rental car company twitch I did busisnes with in the past. They keep on charging my credit card several times for difrent amounts to reach a total of more than XXXX. I file a claim and chime denied my claim and i did not made or authorize those extra charges claim number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 and XX/XX/2020 I sent letters to Experian to provide physical verification for accounts that are being reported on my credit report, and for those items to be deleted. After 30 days there was nothing sent to me to and items still show on my report. As of today XX/XX/2020 have still yet to receive any physical verification of these items belonging to me. Per section 609 of the FCRA they are required by law to provide this information, and if they can't the items should be deleted at once.
Product: Vehicle loan or lease

Back in 2017 I went to XXXX XXXX XXXX XXXX with a friend she was trying to buy a car. As i was sitting there with her the salesman asked did I need a car? I said yes but I dont have much income nor a driver license. He said how much income you get a month. I .told him after I pay rent I have XXXX left till the next month. He asked for documents I gave them to him and he got me approved for a brand new car with a poor XXXX credit score and XXXX a month income SSI after I pay my rent XXXX left. I asked the salesman. How did I get approved he said enjoy your new car. All my family kept asking how did I get approved. It was a no brainer the dealership falsified my income. I have since asked the dealership and the finance company for proof of income that was submitted to get me approved. Hyundai motor finance said they didn't have it. Only a contract which is useless we need application with debt to ratio income. And proof of income that was given. Because both entities want provide information to show this account was falsified. I am requesting removal of Hyundai Motor Finance from all 3 credit bureaus.
Product: Debt collection

XXXX my Digital lfie account n # XXXX I have not lived at XXXX XXXX XXXX in XXXX since XX/XX/2020 I only owed them {$49.00}. I tried to log into pay bill but was locked ou because new owners had taken ownerhsip. now they are saying I owe them {$160.00} and was sent fraduelently to collecitosn
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to all 3 credit bureaus- XXXX XXXX TransUnion XXXX and XXXX disputing this Account with XXXX XXXXXXXX Bank XXXX They keep sending me a letter that this account was verified, but have failed to explain WHY, WHO, & WHEN? They have failed to present me with their method of verification. They have also failed to show me original documents bearing my signature with this account. This account also shows a few incorrect information such as the ''date opened '', and ''date of last activity ''. Please delete this incorrect and unverifiable information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX During the month of XX/XX/XXXX, I became aware that XXXX XXXX had run two unauthorized inquiries on my Social Security numbers, they were done on : XXXX XXXX, XXXX & XXXX XXXX, XXXX I contacted XXXX XXXX about the issue. The call was escalated to the Fraud Department Supervisor, who verified all my information and informed me that he was deleting both the inquiries and would be updating all three credit reporting agencies, such as Transunion, XXXX & XXXX  authorizing them for removal of the inaccurate information from my account, which would be updated within the next 60 90 days. 
XXXX XXXX, XXXX The information was not deleted as agreed. I once again contacted XXXX XXXX to have it resolved and was informed to send it in writing, which I did on XXXX XXXX, XXXX by registered mail. I followed up again and was told to send it again on a XXXX XXXX Form, which I once again did. 
XXXX XXXX, XXXX XXXX XXXX I contacted XXXX XXXX and spoke to the Fraud Department. I was placed on hold for 1 Hour and 5 Minutes. The person identifies herself as the Manager of the Fraud Department and only gave her name as XXXX and refused to give me any additional information or her last name. XXXX stated that her Employee number was XXXX. She informed that though they had received my documentation on XX/XX/XXXX, they could not process it and wanted me to send it to them once again. I asked which address it should have gone to and they stated the XXXX XXXX address in UTAH. It is the same address which I have been sending all the documentation to. 
Bottom Line I believe XXXX XXXX is playing games with removing the fraudulent information and in addition retaliated against me by reducing the credit line on my credit card under the guise of me not using it. They need to fix this issue, as they created it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and updated 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I ordered clothing to try out and send back. I did not like the clothing, so I returned it within the time required, but the company charged me anyway and now refused to refund my money, even though they received he clothing back. 

I disputed the transaction with Bank of America, who refused to refund the money that was stolen from me.
Product: Debt collection

jefferson capital system llc. XXXX XXXX XXXX XXXX XXXX mn XXXX ( XXXX ) XXXX has been sending me collection notices in the amount of {$300.00}, assigned date XX/XX/2019 the collection has been reported as past due balance. i do not know this company. i have never done business with this company. this company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Debt collection

At XXXX XXXX XX/XX/XXXX a company who the caller ID says is Convergent called for my brother. I am his guardian. He is a XXXX XXXX handicapped man who lives in a group home. I explained this along with the concept if someone was XXXX enough to loan him money they deserved to lose it but any money he owed would be over 8 years old and to not call again as he was not ever going to be here. At XXXX they called again and it was the same agent I had just spoken to. Not going to put up with this.
Product: Debt collection

This debt collector, XXXX XXXX, repeatedly called me today for more than 9 times, threatening to file a criminal lawsuit if I dont XXXX the whole amount of debt, {$1100.00}. He threatens to call the police and sheriff to arrest me and be put to jail. I told him I dont have the money to pay him the whole amount, I was trying to make payment arrangements of {$100.00} a month but will not accept it. I have called just answer, talked to a criminal lawyer named XXXX XXXX XXXX, and he told me that this persons tactic is illegal. He told me to file a complaint with CFPB, and if this person pursue to take legal action, I can counter sue him later on. I was also told that this could be a scam. XXXX XXXX works for XXXX XXXX, it says a proud member of XXXX XXXX XXXX, no address given. XXXX XXXX telephone # is XXXX. He also texts me that I have to make sure that I will have a criminal attorney within the hour of his text at XXXX XXXX today, another XXXX at XXXX XXXX that if I think by ignoring his calls will help me, at XXXX XXXX  another text, asking for my lawyers information, and by blocking him will not save me from warrants.
Product: Checking or savings account

I deposited XXXX at an ATM. Upon deposit it stated there could be a hold place on the deposit.. which is the statement for every deposit. Two days later I inquired about a hold. I was told there was a hold placed in the account because money was uncollectable, refer to maker. It was an insurance company for death claim. I asked about the check not being collected and was told that they never had such problem and stated they do business all the time with Wells Fargo and referred me back to the bank. The bank informed me that deposit wouldnt be made available until the XXXX of XXXX regardless of when the bank received the money. I was told to go see a branch manager to see if he can verify check and release funds.

Branch manager stated he could not and refer me to the ATM division of the bank. Spoke to someone who stated that the next time they present the check wouldnt be until the XXXX of XXXX. I asked why would you hold a check for 7 days w/o presenting it. Why are personal checks are handled differently. I was told thats what I agreed to. I unformed them that the ATM screen should show date check will be held if not released. I was told it was on my receipt but Im only getting the receipt AFTER the deposit. It seems that the bank arbitrarily holding funds w/o explanation. Even if they processed the check early I would still have to wait until the XXXX of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX for XXXX XXXX Apartments. I lived in XXXX XXXX XXXX. I was evicted. To this day I cant tell you why. The attorney representing XXXX XXXX claims XXXX XXXX sent me a letter dated XX/XX/XXXX advising that eviction had been failed because I failed to recertify. The court documents detail the reason for eviction was unlawful detainer with {$0.00} money owed. 
In XXXX of XXXX, I told XXXX XXXX ( XXXX XXXX staff member ) that my fianc was moving to XXXX and we would probably be looking for a house. She explained the month to month clause built into the lease. She asked me to give her a 30 day notice if I was going to move out and I agreed. My then fianc moved to XXXX, AL with his XXXX XXXX XXXX son XX/XX/XXXX. I came home one day in XXXX of XXXX and the letter dated XXXX XXXX, XXXX was on the door. I went to the office to find out what was going on. It turns out per XXXX " There was miscommunication and power struggle '' going on between XXXX XXXX management and I got caught in the middle. XXXX referred me to XXXX because the issue was " above her pay grade ''. XXXX told me to disregard the notice and gave me an updated lease to take to the school to enroll my step-son. I took the lease to XXXX XXXX XXXX and enrolled my son. Shortly after that, I received an actual eviction notice. I responded to the complaint. I did not understand because I was a model tenant. I was quiet. I did not owe any money. After receiving the eviction notice, I still paid my rent but the attorney representing XXXX XXXX sent it back to me. 
The attached eviction complaint says that I was evicted because the lease expired. The statement of claim say I owe {$0.00}. In XXXX of XXXX, XXXX XXXX XXXX sent my money order back claiming my lease has expired. XXXX XXXX XXXX, XXXX ruled on XX/XX/XXXX that if I moved by XX/XX/XXXX I would not have to pay anything. I rented a XXXX XX/XX/XXXX. I placed the key in the drop box XX/XX/XXXX. I did everything I was asked to do and they reported {$2100.00} to the credit bureau without notice ; or an explanation. I have disputed this false reporting through Equifax, XXXX, and XXXX. I provided the supporting documentation and they did not conduct an investigation. As a matter of fact, the Equifax rep deigned receiving the supporting documentation until I provided a tracking #. The corporate office of XXXX XXXX can't tell me why the {$2100.00} is being reported because XXXX XXXX has a whole new staff. The apartment was left clean. I paid XXXX the cleaning lady to clean and take pictures.