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

I am writing to formally challenge the results of my recent credit report dispute and to request a more thorough investigation into the method of verification used to resolve the dispute. The information provided on my credit report appears to be inaccurate, and I believe the verification process did not adequately address the discrepancies. 
Details of the Dispute Disputed Item ( XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX Date Opened : XX/XX/year>. 
XXXX XXXX Account number : XXXX Date Opened : XX/XX/year>. 
The results of my dispute indicated that the information I disputed was verified as accurate ; however, I have reason to believe that the verification process was not sufficiently comprehensive. Based on my review of the dispute outcome, I believe that the following was not properly considered or verified : Failure to review my identity theft report from the Federal Trade Commission regarding the disputed item. 
I am requesting that you delete the incorrect information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), if an item can not be adequately verified, it must be removed from my credit file. The information in question has not been properly verified, and therefore, I believe it must be deleted. 
Please provide me with the following : A detailed explanation of the method of verification that was used to resolve my dispute. 
Copies of any and all documents used to verify the disputed information. 
Confirmation that the inaccurate information will be removed from my credit report, as required under the FCRA, or provide evidence that the information was fully verified. 
I expect that you will investigate this matter thoroughly and take the appropriate action to correct my credit report. Please send me written confirmation of your findings and the actions taken.
Product: Credit card or prepaid card

I received a text thanking me for a XXXX purchase of {$640.00}. I do not have an active XXXX account. Text came from XXXX. Call number to follow up is XXXX. I did not call.
Product: Credit reporting, credit repair services, or other personal consumer reports

inquiries appear on my credit report that were not made by me I believe I may have been affected by the XXXX data breach and my information may have gotten into the wrong hands. ive filed with reportfraud.ftc.gov and identitytheft.gov FTC Report Number : XXXX The inquiries listed below are not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$2400.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$590.00} 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lot of inquiries on my credit report from XXXX that I dont recognize ... Ive updated a fraud alert in the past and they do not suppose to let anyone check my credit without contacting me first ... these inquiries shall be removed immediately started from XXXX XXXX until now! I did not authorize my credit to be pulled ... and this includes XXXX  and Experian ....
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting false amounts to all the 3 of my credit reports! I have sent them certified mail in XXXX in which they signed for it on XX/XX/XXXX requesting how they come to the dollar amount they say I owed! It was a secured XXXX card and Ive paid them XXXX over that dollar amount starting XX/XX/XXXX thru XX/XX/XXXX in the amount of {$120.00} a month. Ive spoken to them by phone and Ive disputed the amount several times including in XXXX and XX/XX/XXXX and to no avail. Im running out of options! Its reporting on all three credit reporting agencies
Product: Debt collection

TO CFPB Dear Sir/ madam I have argument with National Grid because it was inaccurate information to me. 
I am writing to let you know about this bad business practices of billing history that I called XXXX XXXX customer service upon final bill to me and I demanded to come to the reading meter. 
I talked with customer service ( a gentleman man ) from XXXX XXXX, and he told me that we would be changed, and national grid would be refunded my deposited money. But I never received it. Also, they did not read the final meter for me. They ignored customer service requested meter reading. Thats why I disputed it. 
I told XXXX XXXX that I really needed meter reading from your company because I already had experience with XXXX XXXX XXXX that they overcharged me too. But they came to the red meter and after that they had refunded me more than I expected. 
Secondly, I opened my restaurant on XXXX XXXX, 2021 and I received the first bill on XX/XX/2021. 
It was {$4200.00} XXXX, I got an operation only XXXX days ago. I strongly believed that it was an illogical bill and I suspended it. 
I have just XXXX days of operation in a week. Also, my restaurant was not busy at the time. I was concerned about being charged {$4200.00} electrical in the small restaurant operational cost for the first eight day. 
Also, XXXX XXXX installed a new meter at my restaurant in XXXX, but national grid first billing was started on XX/XX/2021 to XX/XX/2021. So, I was concerned there was something wrong with me. 
Therefore, I strongly believe that it was bad business practice or mismanagement for me and unverifiable information for me. Thank you. 
Sincerely, XXXX XXXX Please logically think that I operated small restaurant extaxtely 3 months only in COVID pandemic period and XXXX XXXX charged me total {$8400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three Credit Bureau ' advising them that Chapter XXXX bankruptcy REFERENCE # XXXX was showing on my credit and this was inaccurate and all my accounts were closing. I was victim of identity theft or mixed file from a bankruptcy in XXXX, Al with someone with a similar name and last four SSN. I contacted the Bankruptcy Court in XXXX XXXX of Alabama, they could not provide any additional info. They also advised that no one has contacted them trying to verify that this bankruptcy is mine. Someone else 's bankruptcy is destroying my credit standing.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a 54 inch round pet bed from The XXXX XXXX XXXX ( XXXX ) for {$380.00}. In XXXX I was sent the 34 inch round pet bed which is a difference of {$200.00}. The product web page is here : https : XXXX # To clarify the prices listed on the website have not changed since the date this occurred. 

I contacted XXXX XXXX, the owner, and offered to send the wrong bed back. I was told not to but was assured that the right bed would be sent quickly. I believe she claimed by the end of that week or next it would be taken care of. Anywhere from several weeks to a couple of months went by with no bed showing up and no contact from her to let me know what was going on so I contacted her again and again was assured that the issue would be taken care of. In XXXX of XXXX I demanded a {$200.00} credit after no bed had arrived and I had not been contacted to be updated about what was happening. XXXX agreed to credit me within 2 weeks. I will attach a copy of that email exchange below. She claimed she had tried to contact me many times and that she had sent the bed but it was returned to her because I had moved. I never received any contact from her and have lived at the same address for around 2 decades. I have since questioned her claim that she mailed the bed by asking for the tracking number but she has not provided that to me. Around this time back in XXXX was also when COVID was starting up. There were many other priorities I had in addition to I simply didn't know what the best course of action would be against her. I am now fine with a chargeback but at the time knew that that would affect her and I was unsure of how to handle the situation. Some time went by and I ended up filing a XXXX  complaint against her. She ignored the complaint. It is now XXXX of XXXX and no {$200.00} credit or bed have ever occurred. The credit card company rejected my dispute claim because it was only 9 days over the 540 days they allow. I am contacting you in the hope that you can please get my money back from VISA. I have all of the proof you would need including like I mentioned above an email from the business this complaint is against agreeing to refund me. Simply because I opened the dispute claim 9 days over their limit they are not giving me the money I am owed. I can provide any more details that you need. Thank you greatly! 

description of attachments : 1 : Visa credit card statement showing the charge disputed 2 : Email exchange between customer and business where business agrees to credit customer 3 : Email received confirming dispute claim has been created 4 : Email received confirming dispute is processing 5 : Email received confirming rejection of dispute
Product: Credit card

XXXX. I received a promotion letter from JP Morgan Chase saying that as long as I booked a flight from Chase XXXX XXXX from XXXX to XXXX, I will be earning XXXX Chase XXXX points. Addtionally, since I'm not making reservations from Chase XXXX XXXX, I could also earn XXXX points. 

Please refer to XXXX from XXXX XXXX. I booked the flight from XXXX to XXXX on XX/XX/XXXX and completed the flight on XX/XX/XXXX. This trip falls into the promotional period. 

XXXX. I discussed with Chase and Chase XXXX from XX/XX/XXXX till now. I have Chase private messaged back and forth at least XXXX XXXXimes. But I'm still not receiving the promotional offer. 
On the letter Chase mentioned I will received the Chase XXXX XXXX after XXXX weeks.
Product: Debt collection

The collection amounts in question are {$490.00} and {$490.00}. These amounts are under {$500.00}, which falls under the guidelines provided by the Consumer Financial Protection Bureau ( CFPB ). According to the CFPBXXXX XXXX debts under {$500.00} should not be reported to credit bureaus. Therefore, I request that these accounts be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I request the immediate removal and blocking of unauthorized accounts from my credit report. These accounts were not initiated or approved by me, and I have no information regarding their source. As per USC XXXX, I formally ask for their removal within 15 days. Please find the enclosed documents for your reference.
Product: Mortgage

Just wanted to make you aware of what Chase has been doing every now and then on their mortgage billing. Just this month I rec 'd the monthly bill due on XXXX/XXXX/16 and XXXX it as I always do on XXXX/XXXX/16. Chase rec 'd it on XXXX and yet sent out another duplicate billing notice I rec 'd today on XXXX. I 've complained to them before about this practice but it 's still occurring. It worries me because there are a lot of elderly people out there who may be getting these duplicate bills and paying them twice -- a little suspicious this happens from time to time.
Product: Debt collection

On XX/XX/XXXX, I reached out to Concord Service LLC to confirm their account ownership saying i owe them. {$15000.00}. The moment I shared my name, the representative stated that they no longer do business with XXXX XXXX. They explained that I would be transferred to a different department. It was XXXX XXXX who got on the phone next. Which they stated that there was no record of my name in their files. So, they couldn't help me. 

They transferred me to the real resort Which is a timeshare ( XXXX XXXX XXXX ), where they realized it was a previous account that had been cancelled in XX/XX/XXXX. Without delay, I contacted the Concord service and provided a detailed explanation. It was clear he was agitated, as he repeated the exact same thing to me. I told them they are the ones reporting on my credit report since XXXX adding 180 days late every month and listed as the owner. My last payment to the resort was in XX/XX/XXXX and Since you're saying you're not responsible for this account I wanted this deleted from my records. He just stayed silent and said again that they dont handle this anymore and gave me a different number when I call it was once again XXXX XXXX.
Product: Debt collection

XXXX XXXX added a collection to my account for a service I never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please See Attached Documents 15 USC 1681 S-2 You are a furnisher of information to the reporting to the credit bureau agencies . A person shall 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: Credit reporting

Transunuon did not do their job properly. When they investigated XXXX and nothing changes I asked them for the numbers addresses and names they spoke to. And by law they are suppose to give that to me and they did n't. I explain to this company the situation of what happened and also sent a copy of lease and docs to prove my case but they still disregard it plus the reps were very disrespectful and barely helped. Along side the company moved the dates on when it was reported and that 's illegal. Transunuon needs to stop scaming through and do something about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute several violations that have significantly impacted my financial well-being and to request the enforcement of my legal rights as a consumer under applicable federal laws. The violations pertain to the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ), and other relevant regulations. 

Unauthorized Inquiry XXXX XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) Unauthorized inquiry without consent on XX/XX/XXXX. 
Billing Error XXXX XXXX XXXX XXXX XXXX Truth in Lending Act ( TILA ) XXXX XXXX XXXX XXXX Inaccurate information reported despite consistent on-time payments as agreed. 
Various Violations - XXXX XXXX XXXX Violations : Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ) XXXX XXXX XXXX XXXX  Litigation involvement, incorrect high balance, inaccurate date of last activity, re-aged accounts without proper notice, false representation of debt status, improper communication of credit information. 
These violations have had a profound and distressing impact on my life. I would like to share a personal story to illustrate the emotional toll and hardship these violations have caused. 

[ Share your personal story here. Describe how these inaccurate accounts have affected your ability to secure housing, employment, or financial opportunities. Explain the stress, XXXX, and frustration you've experienced due to the false information on your credit report. Be detailed and convey the emotional impact as vividly as possible. ] Given the significance of these violations and the severe repercussions they have had on my financial and emotional well-being, I kindly request the following : Thorough investigation and enforcement of the violations outlined above, including appropriate penalties for non-compliance with federal consumer protection laws. 
Immediate removal of the unauthorized inquiry by XXXX from my credit report. 
Correction and update of the inaccurate information provided by XXXX XXXX on my credit report, in accordance with the Truth in Lending Act. 
Removal of all inaccurate and unverified information associated with XXXX XXXX XXXX from my credit report, as required by the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and other applicable laws. 
I am deeply committed to resolving these issues and restoring the accuracy and integrity of my credit report. Your intervention is crucial to ensuring that my rights as a consumer are upheld and that I can regain control of my financial stability and peace of mind. 

Thank you for your attention to this matter. I look forward to a swift and just resolution of these violations. Please keep me updated on the progress of the investigation and actions taken. 

Sincerely, XXXX XXXX
Product: Debt collection

I have no received no letter or anything about a debt being owed.
Product: Mortgage

I am currently in a forbearance with Shellpoint mortgage servicing due to a Covid hardship. My loan is owned by XXXX XXXX. I am looking to end the forbearance plan. I qualify for a flex modification per XXXX XXXX guidelines. I have asked Shellpoint multiple times to provide me with a rate reduction and term extension. They have offered a term extension but not a rate reduction as required by XXXX XXXX for a flex modification. Shellpoint has ignored the fact that XXXX XXXX owns my loan. I made a specific request for a rate reduction per the guidelines from XXXX XXXX. The response is that their investor is not offering a rate reduction. This decision is not up to the investor, it is dictated by XXXX XXXX rules and regulations. The email chain and sequence of events are too much to post here. I can follow up with details. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for only one card, one time and was approved however Citi ran my credit twice and I therefore have 2 hard inquiries on my XXXX credit report from Citi Bank. I have wrote a letter twice requesting that they remove the duplicate hard inquiry but they are not and simply keep sending a letter asking me to provide the info although I already did including a copy of my XXXX credit file showing the 2 hard inquiries. I need Citi to please remove one of the hard inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX  XXXX XXXX XXXX XXXX/XXXX XXXX   XXXX XXXX/XXXX  XXXX XXXX/XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the first time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX  Balance : {$3700.00} XXXX XXXX Balance : {$2200.00}
Product: Debt collection

I took out a loan through Santander, USA for an auto loan on a 2017 XXXX XXXX, back on XXXX the same year. After almost 3 years of on-time payments, I have gotten behind due to COVID-19 and have been struggling to make ends meet financially as a result. 

As a result, Santander has been becoming increasingly aggressive in their attempts to contact me. Instead of calling or emailing me directly, they have been repeatedly calling 5-6x a day the single reference on my loan application. In addition to this, they have been harassing people unassociated to my loan or my application entirely, such as my father, step-father, mother and step-mother which I am pretty sure is Illegal? and thus I am contemplating taking further action in accordance with FDCPA violations if any are found.