23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/year> I used my Chase debit card to withdraw money on a XXXX XXXX XXXX atm located on XXXX XXXXXXXX XXXX, XXXX XXXX CA. 
In the first transacion that made I withdraw XXXX, the atm dispense the bills, but, I could'n reach the bills, so, by the time I unbuckle my seatbelt the atm toked the money back in. 
the screen star idling and then the word WAIT COMEOUT AND THE TRANSACION GOT CANCEL.I start another transaccion and I was able to get my money ( {$200.00} ) but when I checked my chase acct.it was 2 charges of {$200.00} on my XXXX per each transacion .I called Chase and made a claim, Chase refund the money pending an investigation and got denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX a block was added to my credit bureaus not allowing XXXX XXXX  to report inaccurate information on my credit file..XX/XX/XXXXi purchased a vehicle from XXXX XXXX for XXXX +title and taxes total amount that was finance was XXXX-XXXX  down payment XXXX i recieved my title in mail. XXXX i did a title loan with XXXX XXXX XXXX with a clean and clear title..did n't retrieve the vehicle lienholder is XXXX XXXX XXXX  and XXXX XXXX XXXX file suit in XXXX XXXX court house for XXXX and i had legal aid off alabama to represent me, and was told by XXXX XXXX that i didn't have to come to court because i had just got out the hospital due a serious health condition.I called Legal aid XXXX  that evening and was informed that I lost not to worry because as long as Im XXXX  XXXX XXXX wont recieve a dime.Now Im trying to purchase my first home And been denied over 7 times, due to XXXX XXXX is reporting to equifax inaccuracy on my credit file..I have filed in district court against XXXX XXXX and a block was added to my credit file equifax is still showing outstanding balance which isnt accurate ..I need for XXXX XXXX to be deleted remove vacated for reporting inaccurate information..The amount that i paid for the vehicle was XXXX with taxes and title XXXX that what is reporting my payment history that i recieved from XXXX XXXX is XXXX +XXXX down payment =XXXX but reporting amount finance is XXXX ..I been dealing with this nonscence for over 9 mos now..I called and spoken with XXXX on XX/XX/XXXX and was referred to OCC..OCC couldnt help me and I was told to submit another complaint with CFPB all im seeking is a fair judice and investigation with this matter so I can purchase my first home, URGENT time is running out soon. Im sorry for all the miss spells I have XXXX in my XXXX XXXX  and it very hard for me to keep submitting these complaints.Thank you again XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report I am writing to formally dispute the accuracy of information on my TransUnion credit report related to my XXXX XXXX account with the account number XXXX. After a thorough review of the report obtained from your agency, I have identified discrepancies that require your immediate attention. 

The inaccurate information pertains to the following XXXX XXXX account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX  Current Balance : {$600.00} Details of inaccuracy : I am not liable for this XXXX XXXX account, and to my knowledge, there is no contract associated with this account. Despite previous requests, XXXX XXXX has not provided me with the original contract or any documentation validating my responsibility for this account. 

I request a comprehensive investigation into this matter in accordance with the Fair Credit Reporting Act ( FCRA ). In order to assist you in conducting a thorough review, I am enclosing copies of supporting documentation related to this discrepancy, including proof of my request for the original contract from XXXX XXXX. 

I understand that TransUnion is required to complete this investigation within 30 days of receiving my dispute. I kindly request that you provide me with written confirmation of the results of the investigation, including any corrections made to my credit report. 

Additionally, pursuant to my rights under the FCRA, I am reiterating my request for copies of the original documentation related to the disputed XXXX XXXX account. This includes contracts, applications, statements, or any other relevant information that contributed to the inclusion of the disputed item on my credit report. 

Please expedite the process of acquiring the requested documentation from XXXX XXXX. Your cooperation in this matter is crucial to ensuring the accuracy of my credit report and protecting my rights as a consumer. 

I appreciate your prompt attention to this matter. If you have any questions or require further information, please do not hesitate to contact me at XXXX or XXXX. 

Thank you for your assistance in resolving this dispute. 

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

On XX/XX/XXXX I received an alert from Experian that they removed a XXXX XXXX collections off of my credit report. OnXX/XX/XXXX I received an alert from Experian that they inserted a collection from XXXX XXXX. I never received a consumer noticed stating that they were replacing the collection back on the credit report. This is a violation of the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX ( XXXX ) Hard Inquires : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TransUnion Credit Bureau has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a copy of my report in XXXX dated XXXX and I found out that Transunion still indicates my dispute of information in my credit report. As of todays date, Transunion has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX and XXXX XXXX because I believe it was reporting in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I brought this loan current in XXXX of 2023. At the time the balance was {$860.00} and I paid off over half the balance. In XXXX of 2023 I paid off the remaining {$400.00} or so dollars. This account has been paid off since XXXX and current since XXXX. However, it is now going into XXXX and they are still showing that I am {$860.00} past due!
Product: Credit reporting or other personal consumer reports

The company did not provide the proper paper work to verify the accounts still being reported. Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report that your bureau maintains on and I received a response stating that the accounts were verified however I do not have a copy of my wet signature indicating so. I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ). To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute. I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Per the FCRA you are required to provide this information within 15 days or delete the negative items from my credit report.
Product: Credit reporting, credit repair services, 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 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 which 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$5900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$5500.00} XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello good day, XXXX XXXX has made XXXX INQUIRED on my Credit report for over Two years now and I'm just finding out to have my credit repaired and this is just one of the reasons my score will not go up??? 
XXXX, XXXX {$1000.00} for every unauthorized Inquired on my report without my PERMITTION. 
due to XXXX  XXXX  Negligence making a XXXX INQUIRED on my report has made my credit scores remain in the 400 'S FOR YEARS NOW.
Product: Credit reporting or other personal consumer reports

I have a default judgment against Flagship Credit Acceptance for report and account on my credit that results from identity theft. Im attaching the a copy of the certified judgment. I need this account removed immediately from my credit report.
Product: Credit reporting or other personal consumer reports

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - not mine - inquiries attached also are nto mine
Product: Credit reporting or other personal consumer reports

My credit score keeps going down despite the fact that Im paying off debt and all payments on time. Just went down a whopping XXXX points for no good reason. Seems like the more indebted I am the higher score they give. They keep pushing more credit cards and other costly services they provide. Seems like a sham to me. If they cant increase my score I want nothing to do with them. Close my free account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed numerous letters to XXXX trying to rectify the information on my report and have waited over the amount of time for a response. I received some news that has stopped efforts in doing business with me for this matter. According to 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
All payments paid as agreed and never late.
Product: Checking or savings account

BBVA has not released my security deposit {$1100.00} within the 21 business days as promised. My secured credit card was closed on XX/XX/2020 and 21 business days later is XX/XX/2020. The credit card account has a XXXX balance and all funds have been cleared. They will not provide a date therefore they are in reasonably holding my money past the agreement
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX Balance XXXX XXXX XXXX US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX US DEPARTMENTOF EDU Original creditor XXXX XXXX XXXX XXXX Balance XXXX XXXX US ; DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX Balance XXXX XXXX XXXX US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX Balance XXXX XXXX XXXX US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX Balance : XXXX XXXX US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX Balance : XXXX XXXX US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX Balance : XXXX XXXX US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX Balance XXXX XXXX XXXX US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXXXX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim these items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the 3rd week of XXXX, I sent a letter to the bureaus disputing errors on my credit report and have not received any response within 30 days which is stated in the FCRA. I sent them another letter on the XXXX of XXXX to complain about it and still up to this date they ignore my dispute. This highly affects my scores and opportunities and it is against my rights to have them report inaccurate information on my credit report, and not responding to my disputed within the time stated by the LAW. Legal actions will be taken if this was not resolved as soon as possible.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees I have incurred despite having sufficient funds when transactions were authorized I was charged fee 's due to lagging posting of charges and credits this issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds I believe these practices are unfair and request an investigation into my account transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of 2022 I got a starter loan from XXXX  XXXX XXXX XXXX all payments were made on time they are currently inaccurately reporting lay payments to my credit report I need these to be disputed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

There's unauthorized inquires on my credit report inwhich I have absolutely any knowledge of, and with that said I'm requesting physical documentation of these inquires. The following inquiries are ( 1 )  XXXX XXXX XXXX on XX/XX/XXXX ( 2 ) XXXX XXXX on XX/XX/XXXX, ( 3 ) XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ( 4 ) XXXX XXXX XXXX ( 5 ) XXXX
Product: Prepaid card

I bought a XXXX dollar pre paid card. used it at XXXXXXXX XXXX and would only allow me to use XXXX dollars from it. I had to pay cash for the rest of my order. I checked the account the next day and all my money was gone. XXXX dollars just went poff.
Product: Checking or savings account

XX/XX/2023, I AM STATUTORY DURABLE POWER OF ATTORNEY ON BEHALF OF MY SON XXXX XXXX. I RECEIVED THE DEBIT CARD ( 2 WEEKS IT TOOK ), ACTIVATED IT AND THE CHIP IS DEFECTIVE, IT WILL NOT WORK. THE BANKERS AT THE LOCATION ON XXXX IN XXXX SHARED THAT I WOULD BE RECEIVING MY OWN DEBIT CARD AS SDPOA BUT THE ONLY ONE I RECEIVED IS UNDER XXXX XXXX 'S NAME. I HAD TO CALL CAPITAL ONE TWICE, THE 1ST TIME I WAS TOLD IT LOOKS LIKE THE CARD IS WORKING, AND I TRIED AGAIN MULTIPLE TIMES AND IT IS NOT WORKING. IT WILL NOT READ, THE CHIP DOES NOT WORK. SO I CALLED AGAIN, SPOKE WITH XXXX WHO SAID " MAAM I CAN NOT ORDER ANOTHER CARD FOR YOU I NEED TO SPEAK WITH THE ACCOUNT HOLDER, '' WELL, I QUICKLY ENDED THE CONVERSATION RIGHT THERE. I AM XXXX 'S SDPOA BECAUSE HE CAN NOT TALK. XXXX SUFFERED A XXXX XXXX XXXX AND I AM HIS MOM, TRYING TO CONDUCT HIS BUSINESS BY YEAR END, AND SO FAR CAPITAL ONE PUT A HOLD ON XXXX 'S BACK PAY THAT WAS NOT ABLE TO BE DEPOSITED UNTIL THIS WEEK AND THERE IS MORE COMING. THE DEBIT CARD DOESN [ 'T WORK AND EVERY TIME I CALL THIS BANK I AM ACCUSED OF BEING A CRIMINAL. I SAT IN THE CAR AND SOBBED, BECAUSE PEOPLE HAVE FORGOTTEN HOW TO TREAT EACH OTHER. THIS IS THE ABSOLUTE WORST BANK I HAVE EVER DEALT WITH. SO GOOD LUCK TRYING TO TALK TO XXXX, BECAUSE I AM HIS MOTHER AND I CAN'T EVEN TALK TO HIM. HE IS ENTITLED TO HIS PAY, TO BUY A HOSPITAL BED, A WHEELCHAIR, AND XXXX PRESENTS FOR HIS XXXX YEAR OLD SON WHO BASICALLY LOST HIS FATHER ON XX/XX/2023. I PRAY THAT EVERY PERSON WHO READS THIS FEELS THIS, AND STOPS TO REALIZE THAT BEING SO CRUEL COULD TRULY PUSH A PERSON OVER THE EDGE ESPECIALLY WHEN YOU ACCUSE A XXXX YEAR OLD WIDOW, WHO IS TRYING TO TAKE CARE OF A SEVERELY INJURED XXXX YEAR OLD SON, WHO WAS A ; PEDESTRIAN AND GOT XXXX XXXX BY A CAR WHO NEVER STOPPED, AND HE LAID IN THE MIDDLE OF XXXX XXXX IN XXXX TX UNTIL SOMEONE CALLED XXXX, AND IN THAT TIME, HE DIED AND SUFFERED AN XXXX XXXX XXXX, AND HE IS LEARNING HOW TO SWALLOW, TALK, AND HE IS XXXX. XXXX XXXX CAPITAL ONE.. THEY ARE GREEDY MEAN PEOPLE AND IT SHOWS BECAUSE XXXX ALWAYS FLOWS DOWNHILL FROM UPPER MANAGEMENT, THEY SHOULD GIVE LESSONS ON CRUELTY TO HUMAN BEINGS, AND HOW TO INSULT THEM BY ACCUSING THEM OF BEING A CRIMINAL SO THEY CAN KEEP A XXXX PERSONS MONEY FOR AWHILE TO ACCUMULATE INTEREST. AND DEMAND TO SPEAK TO THE ACCOUNT HOLDER WHO CAN NOT TALK. UNCONSCIONABLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX have violated my rights to privacy and they are still reporting information that I have asked for them to delete. I have asked them for a ledger or account of where the companies got their information and how they arrived at the so called fact that I owe them. My next step is to file for compensation for me being stressed and the laws that they have violated. I have sent the attached letters several times I have sent my ID, proof of the Identity theft, and my Social Security card and their response is that they have not received them or they don't see them on their side this is wrong on so many levels and they should not be allowed to play these games. Please see letters from them and my response. Please make them adhere to the laws.
Product: Credit card or prepaid card

I had just open a capital One account and the card was stolen from my gym locker with other items. Someone ran up the card to XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this claim against XXXX XXXX CCS. I have contacted them and filed disputes because they are reporting an incorrect address under my name. I have told them multiple times and sent my w2 as proof of the correct address and they still won't update it. I want them to do their jobs and report my address correctly! Also, they have listed 2 collections accounts under my name. They are NOT mine! I have told them over and over! The address isn't right and the collections aren't mine. I demand a deletion of this incorrect information