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

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : 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 Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I C SYSTEM Last reported XX/XX/XXXX {$1100.00} Open balance XXXX XXXX Original creditor continues to place fraudulent inaccurate information on my credit since XX/XX/XXXX ( 6 mos ). I have disputed this fraudulent more than 3 times, and asked that this be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX is fraudulently reporting wrong balance on my car loan to all credit bureaus. They are repeatedly fraudulently doing this and harming my credit score. The balance is {$4900.00} and they are reporting that i owe {$8900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

A review of my credit Equifax rating score was listed as XXXX on ( XX/XX/19 ) .And then upon another review made on ( XX/XX/19 ) found my then current score to be XXXX. Further invest of my credit report indicated that only two open accounts between the dates of XX/XX/19 & XX/XX/19 were updated by the lenders. 
1. XXXX reported a decrease of XXXX 2. XXXX Loans reported a decrease of XXXX. 

I then initiated a dispute with Equifax ( EQ ) on XX/XX/19 and a subsequent follow up was received ( XX/XX/19 ) from EQ without a credit correction score posting. Upon telephone ( call XXXX XXXX XXXX ) was advised that EQ could not explain the reason for posting the XXXX point decrease and/or that there was nothing that they could do to resolve this matter.
Product: Payday loan, title loan, or personal loan

On XX/XX/21 I called XXXX XXXX XXXX XXXX XXXX and spoke with XXXX XXXX about the way my truck was acting and sounding, and he told me to bring it in. I took my truck to XXXX XXXX XXXX XXXXXXXX XXXX and the next day he called and said that my truck transmission needed to be replaced the total amt charged was XXXX. He told me that I needed to take out loans to cover the cost for the transmission and labor to replace the transmission. The first loan that I took out was from West Creek Financial Inc. ( lease # XXXX ) in the amt. of XXXX. XXXX XXXX stated that amt. that West Creek Financial Inc. approved was not enough, so he then told me that I would have to take out other loans to equal the total amount owed. The money from the loan went to XXXX XXXX, I never received any of the money from the loan. He never told me that he would be the one collecting the loan money from the bank, and he also didn't not mention to me that the loan information would be reported to the credit bureaus. I was not aware. My truck stayed on XXXX XXXX XXXX XXXX XXXX lot until XXXX XXXX and was never touched and no repairs had been done. After XXXX XXXX received the total amt. needed to repair my truck, he still never purchased or replaced my transmission in my truck. I never heard from XXXX in months, so I went by XXXX XXXX XXXX XXXX XXXX to inform XXXX XXXX that I wanted to come and get my truck. He then told me that in order for him to release my truck to the wrecker service that I would have to pay him an additional XXXX on top of the XXXX from West Creek Financial Inc. that he received from the loan / banks for no work done to my truck at all. The transmission was never purchased or replaced in my truck, my truck had never been touched.
Product: Checking or savings account

XXXX took money that I did not authorize from my bank account and refuse to give it back when I call XXXX they ask am I someone else ( name provided ) and also tell me that they dont see the amount, I have disputed the transaction with my bank in addition to sending evidence and receipts of what I was suppose to pay for and they did not help and told me they cant do anything and I have to speak with the merchant which I did and they told me they did not charge me for the transaction now the bank account is overdrawn and the bank is saying it will go into collections when I didnt authorize the charge they allowed to go through. When I asked why they say its because they seen I made a purchase with the company before, but when I actually make a purchase for a large amount with a store I go to almost everyday they send me a fraud alert and stop the charge when Im in the store. This is unfair, unacceptable, and I feel its illegal for the bank to allow a large charge to go to a company that has never happened before I need assistance on reporting the bank and the merchant and possibly a lawyer
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB I have attempted numerous times to contact the XXXX credit bureaus about incorrect, inaccurate and compromised information reporting on my credit profile. On XX/XX/2023 I spoke with an XXXX Representative that was extremely rude and unprofessional. Her name given was XXXX and she stated she was located in XXXX XXXX. I asked how is this possible when I'm located in the US. XXXX did not process my request. I was suppose to be contacted back within 24 hours by a representative in the US and no one called me back. Inquiries show on my report that were not authorized by me. 2 collections appear on the credit report that are not mine. I'm sick and tired of these companies ignoring my request to delete this information as they have no lawful authority to report it first of all and have failed to provide evidence to support otherwise. I have filed an FTC report which is attached. 

XXXX is denying me my right to dispute the inaccurate information on my report. I have included the message that I receive when trying to contact them direct. It appears as the credit bureaus are conspiring to hinder consumers from improving their credit standing by denying access to file disputes.
Product: Checking or savings account

XXXX a loan from XXXX becuse of some finnacial urgency and tried to drop the checq throuh mobile and it did not go throuh due to the amount ( {$49.00} XXXX ). On XXXX went to bank branch and dropped the cheq throuh Teller based on the customer care I went with 2 piece ID and cards Teller took the cheq and credited the same. I did not realize that he credited the cheq in my Credit Card Account insted of Checking Account. In mobile banking account I see the trasaction was getting processed in Credit Card. I called multiple times again the customer care and infomed me that I need to wait until the transction needs to be posted then they can transfer it to checking account. 

Today on XX/XX/year> again i called multiple times they informed me that it will take 10 business days to credit it back into my cehcking account. I need the money urgenty to take care of some credit cards balance and Morgage payements and some Line of Credit balance. Now I am in trouble I can not transfer this money I don't know what to do bank is sayign they can not expidite it since it's the procedure that they will take 10 days to refund even if the mistake is 100 % with them
Product: Debt collection

I feel like Wells Fargo is being discriminate against me because I am XXXX. Wells Fargo can not collect debt that pass the statute of limitation. Contract or written instrument and for mortgage foreclosure : 5 years. F.S. 95.11. The limitations period begins from the date the last element of the cause of action occurred, ( 95.051 ).
Product: Credit card

I have been paying off of this credit card for several years now I finally made my last payment and all of a sudden they say that a payment bounce from my understanding. I canceled the payment and rescheduled it for another day. I dont see where this payment had bounced. I would like for this last {$68.00} to be forgiven and for the account to be closed I have given capital one more than enough money and they should me with this last payment. Enough is enough. They have charged me more money with interest in late fees than the bill itself that account has been closed for several Im still paying off this account.
Product: Credit card or prepaid card

hi my credit card company charges 2 time interest every month 1 they take from my credit cart automatic.other one i have to pay minimum payment every month, XXXX/XXXX/XXXX they took XXXX INTERESTCHARGE ON PURCHASES {$190.00} this amount they took from my credit card, and i paid monthly minimum amount.they do not have to take 2 time interest please help me
Product: Credit reporting or other personal consumer reports

I Reviewed my account credit report, and I noticed fraudulent accounts on my credit report. Can you please remove these accounts, for they are affecting my ability to obtain credit. 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 ).
Product: Credit reporting or other personal consumer reports

I've submitted proof of my time being incarcerated I've Dispute Unauthorized Accounts and Request for Investigation under 15 USC 1681 et seq. I am writing to dispute unauthorized accounts and inquiries on my credit report due to identity theft. I request an immediate investigation and correction of my credit file under the Fair Credit Reporting Act ( FCRA ) and relevant XXXX Code sections. I recently reviewed my credit report and discovered several inaccuracies that do not belong to me, indicating I am a victim of identity theft. The following accounts and inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : Not opened by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not opened by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not opened by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not opened by me. 

15 USC 1681b ( c ) : This section outlines permissible purposes for accessing consumer reports. The unauthorized inquiries on my report violate this statute as they were not made with my consent. 

15 USC 1681g ( a ) ( XXXX ) : This section requires that I am provided with all information in my file at the time of the request. The existence of these unauthorized accounts and inquiries indicates that my file contains inaccurate information. 

15 U.S.C. 1028A : This statute provides for penalties for aggravated identity theft. The presence of fraudulent accounts and inquiries on my report suggests a violation of this law. 

15 USC 1681b : Access to my credit report must comply with permissible purposes. Unauthorized access constitutes a breach of this section. 

15 USC 1681 : The general provisions of the FCRA ensure the accuracy and privacy of consumer information. The fraudulent activity on my report contravenes these principles. 

15 U.S. Code 1681c2 : This section specifically addresses the blocking of information resulting from identity theft. I request that you block and delete all fraudulent information promptly.Requested Actions : Conduct a thorough investigation into the unauthorized accounts and inquiries listed above. 
Remove all fraudulent accounts and inquiries from my credit report. 
Send me a copy of my updated credit report reflecting these changes. 
Provide written confirmation of the results of your investigation and the steps taken to correct my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXXXXXX XXXX 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: Mortgage

I began to experience hardships due to the pandemic in XX/XX/XXXX. I applied to the second round on federal assistance related to mortgage assistance in XX/XX/XXXX. I've been on a forbearance plan with Bank of America for 17 months. I applied to the Virginia Mortgage Relief Program ( VMRP ) in XX/XX/XXXX. I've been waiting for my application to be process. The VMRP guidelines specified a 90 day application review process, but it is taking longer than the current notified timeframe. I've been unable to get a timeline update from VMRP. I was informed my my VMRP case manager that Bank of America delay in returning the Corroboration Agreement delayed the process of Bank of America accounts. I did a 3 way call with BOA and VMRP reps because it was the only way that I could prove that I was asking the right questions and had an active application with VMRP. I am currently at my max forbearance option with BOA, had a deferral option presented by Bank of America that needed to be signed by XX/XX/XXXX ; however, signing it would disqualify me from VMRP, and I not have access to the referral option if something fails with VMRP.
Product: Debt collection

On Sunday XX/XX/2022 Comenity Bank contacted my mother and a place of employment, which I have not been associated with in over a year. They left a message on the voicemail at the previous employers and also on my mother 's cell phone. They left private information like my name and that they are attempting to collect a debt. I made a payment on this debt this month, and plan to continue to make payments. I was about 3 months late, but the payment was made and cleared on Monday, XX/XX/2022. I have had issues with this company in the past contacting family members regarding my account and I have already filed one complaint, and they are now doing it again. They are also contacting previous employers of mine. This is ridiculous. They should not be calling family member or employers and leaving personal messages on voicemails. Apparently this is something that Comenity Bank is known for and they clearly do not care if complaints are made against them because they continue to practice these unethical debt collections. I made a payment of {$100.00} this month, so there is no reason for them to be calling. They have only tried to reach out to me once, which was yesterday, about this debt. They did not even give a chance for me to call them before they started calling family members and past employers. Also, calling places of business on a weekend and leaving voicemails regarding my personal business is a violation of my privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander financial did a write-off in XX/XX/ but Santander did two things ( write off ) And still showed the amount that was written off on my credit of {$8100.00} and one they realized it was about to Fall off Santander made s false brand new account showing {$8100.00} as if I had more than one account with them .. Ive been in contact several times with Santander and if only made things worse I believe this is a spiteful doing. 
Also XXXX told me the only way they would clear me XXXX was to pay a settlement Which is what I did, so why is it Still Showing as if it wasnt paid. I also attempted to contact XXXX only to get belittled and told I should have paid it knowing that it was faulent and that number had NEVER BEEN USED OR ANY BILL RENDERED
Product: Credit card or prepaid card

I have a Barclays Frontier credit card, and I noticed that my miles expired in XXXX of XXXX. I called today, XX/XX/XXXX and asked why their expired and spoke to an extremely uneducated customer service rep, XXXX. I was told that if I don't use the miles within 90 days then I lose them, which I know is incorrect -- the miles are dependent on credit card usage. I called Barclays and let them know that at the end of XX/XX/XXXX I was getting stationed to do XXXX XXXX in XXXX, and would not have the ability to use a credit card as XXXX does not have the infrastructure to support credit card usage. I advised them that I would not be able to use the card for close to a year ( we were XXXX XXXX for XXXX XXXX ) They told me they would honor this as an exception and my miles would not expire. I came back from XXXX a couple weeks ago and noticed my miles expired. I am extremely upset. I would like to get my miles reinstated, XXXX miles to be exact. I'm sure there must be some documentation of my phone call with the bank in XXXX. My FlyFrontier Membership number is XXXX, I have been a member since XXXX of XXXX and have been storing my miles to use them for a trip one day, I am now ready to book my trip and of course they have wrongly expired my miles.
Product: Student loan

I had this loan since XXXX, it 's been 15 years paying. Me and my consigner have made a substantial amount of payments and the loan is still at XXXX. I think the payment was not applied right. My original loan was with XXXX XXXX which was a variable loan original amount borrowed was {$8100.00}. It 's no way that only XXXX dollars has been applied towards the principal after 15 years. My consigner has recently filed bankruptcy in the past year.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my XXXX card, I have been experiencing issues with my dad 's debt being wrongfully associated with my credit. I am XXXX XXXX XXXX XXXX, my dad is XXXX XXXX XXXX XXXX. ( XXXX ) I do n't know if this is his card, or if it is a card someone has fraudulently opened in my name.
Product: Debt collection

I am not liable for this debt with XXXX XXXX  and I do not have a contract with Hunter Warfield plus, they did not provide me with the original application like I asked. I paid a Debt due to the harassment of phone calls and letters and reporting this to the Credit Bureaus. Under 15 USC 1692h 810. Multiple debts If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumer 's directions. I would like any and all payment ( s ) be returned to me by check.
Product: Prepaid card

I was awarded a {$100.00} virtual XXXX from XXXX. I received redemption instructions on XX/XX/24, to access my virtual gift card. I clicked through the instructions and got to the last screen, and received an error message : " We apologize. We have identified an error on our side. Please contact customer service at XXXX. '' I called the number and the customer service representative worked through possible solutions with me but we were unbale to activate the card. I was given case number : XXXX and in the meantime, I requested and was sent a new link to access the gift card on XX/XX/24. I received an update from Blackhawk on XX/XX/24, that I should contact XXXX, but that was incorrect because Blackhawk issued the card and they are responsible for it. I called Blackhawk on XX/XX/24, and was told by the representative that they were going to send my a physical card to replace the code. They I received an email on XX/XX/24, from Blackhawk saying it wasn't their problem and that the case was " resolved. '' The case is NOT resolved, I do NOT have my {$100.00}, and NO one cares.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I leased a XXXX Toyota Corolla from Toyota Financial Services. When the lease was close to ending in XX/XX/XXXX, I traded in my XXXX Corolla for a XXXX model. I made 2 payments to TFS ( XX/XX/XXXX and XX/XX/XXXX ) that were to be payments toward my new lease. Instead, they were credited to an excessive wear charge ( which I will argue later in this note ) and I was assessed a late fee. Even with the money being credited to the excessive wear charge, there was still a refund due to me that has not been sent or credited to my lease payments as of XX/XX/XXXX. TFS did credit the late fee back to my account. In XXXX I received about 5 phone calls a day, including calls to my work phone, from TFS demanding payment of a bill I did not owe. The only way to stop the phone calls was to make an additional payment. Customer services representatives continued to claim they never received the XXXX payment. One rep. insisted I did n't know what an e-check was and told me that it was a paper check sent by the bank. She said it must have been lost by the USPS. 

I had my credit union trace the payment and they confirmed that Toyota received and accepted the payment. On XX/XX/XXXX Toyota finally found the payment they had received on XX/XX/XXXX. They said they would credit my XXXX lease but then called back today ( XX/XX/XXXX ) to say that I still owed more money on the excess wear ( which they had previously said was paid in full in XXXX ) and that they were retaining some of the promised refund toward what was still owed. 

As for the excessive wear charges, these include a {$300.00} charge for a remote/keyless entry fob and 2nd car key. The car never had a keyless remote fob. I had previously reported to the Toyota dealer that the 2nd key they gave me never worked for my car. So, I only ever received 1 key for the car and I gave the key back to them when I turned the XXXX model.