23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$630.00} I challenge the accuracy, compliance and reportability of these listings.

There is no valid claim ... account was settled with original creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Vehicle loan or lease

In XX/XX/XXXX, GM Financial under the guidance of XXXX XXXX, repossessed my vehicle even though I had called them and told a representative ( not XXXX XXXX ) that I would be making a payment soon so that my vehicle would not be repossessed. 

XXXX XXXX, a supervisor, still had my car repossessed in the middle of the pandemic. I borrowed money from family and paid the exorbitant fees that XXXX XXXX applied to reinstate my loan. She did this deliberately with the intent to make it impossible for me to recuperate my car. 

I am a XXXX. I only get paid when I work. I did not have a regular XXXX position over the summer. I called GM Financial to inform them that I did not have the money to pay for the XX/XX/XXXX and XX/XX/XXXX payment. The representative I spoke to, informed me that my car was not at risk of repossession. 

I called again and informed them that I was going to start working as a XXXX again and that I would make a payment in XX/XX/XXXX for the month of XXXX and then another payment at the end of XX/XX/XXXX for the month of XXXX. I then asked for more time to come up with the XX/XX/XXXX payment. The representative I spoke to at GM Financial informed me that he was okay with my payment plan and again told me that my car was not at risk of repossession. 

On Tuesday, XX/XX/XXXX at XXXXXXXX XXXX my car alarm went off. I ran out of my home and I did not find my vehicle. I thought it had be stolen because I had already made payment arrangements with GM Financial so I called the XXXX Police and filed a stolen car report. XXXX police officers showed up at my home at approximately XXXXXXXX XXXX to tell me that my car was not stolen but was in fact repossessed by GM Financial. This again under the direction of XXXX XXXX ( the police officers did not tell me this, I found out on my own ). 

I was left with no car to go to work nor to take my XXXX son to school nor his appointments. This has caused me a great deal of XXXX and I could not sleep last night. 

I am certain that XXXX XXXX is singling me out because I am of XXXX descent. I would like to have an investigation done to verify if in fact, GM Financial under the direction of XXXX XXXX exhibited discriminatory practices when they repossessed my car twice even though I have been paying for it for 5 years and I am 75 % done paying off the car loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

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 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 XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be deleted from my file right away XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Huntington Debt Holdings XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Re : Disputed Debt and Violation of Consumer Law Dear : Huntinton Debt Holdings Representative I am writing to formally dispute a debt you are attempting to collect from me. The account number you have associated with this debt is XXXX. 

I am disputing this debt for the following reasons : Deceptive and Misleading Practices : You have engaged in misleading and deceptive practices in your attempts to collect this debt, in violation of 12 C.F.R. 1006.34 ( b ) ( 5 ). Please provide specific details of these practices, such as : Making false or misleading statements about the amount of the debt.

Threatening to take actions that you can not legally take. 
Using harassing or abusive language. 
Failing to properly identify yourself as a debt collector. 
FCRA Violation : You have furnished this debt to a credit reporting agency without providing me with all the disclosures required by law, in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ). This includes disclosures about : The validation of the debt.

Your right to dispute the debt.

The information that will be reported to credit reporting agencies.

Also based on 12 CFR 1006.34 ( c ) ( 4 ) ( i ), which prohibits creditors from providing inaccurate or misleading information to a consumer reporting agency about a disputed debt. I believe the information you have provided is inaccurate or misleading And according to 12 C.F.R. 1006.34 ( d ), which prohibits creditors or collection agencies from communicating about your debt to third parties who are not involved in the collection process. This includes, but is not limited to, neighbors, employers, or roommates.

I request that you take the following actions : Cease and desist all collection activities : Stop contacting me by phone, mail, or any other means regarding this debt. 

Investigate my dispute : Thoroughly investigate my claim and verify the accuracy of the information you have reported to credit reporting agencies. 
Correct any inaccurate information : If you find that the information you reported is inaccurate or misleading, I request that you immediately correct it with credit reporting agencies. 
Remove the debt from my credit report : If the debt is found to be invalid or inaccurate, I request that you remove it from my credit report entirely.

If I do not receive a satisfactory response from you within 30 days, I will be forced to consider taking further action, which may include : Filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 
Reporting the violation to credit reporting agencies. 
Pursuing legal action. 

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

JPMORGAN CHASE CREDIT CARD has made illegal, invalid, erroneous, and unauthorized hard inquiries on my credit which has damaged my credit score.

Cease and desist, no authorization This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : JPMCB CARD Made on : XX/XX/2018 Made with : XXXX Made by : JPMCB CARD Made on : XX/XX/2018 Made with : XXXX I have not signed any documents authorizing your organization to view my credit history, therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

I request that after removing your unauthorized and outdated inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

1. XXXX XXXXXXXX Account Number : XXXX days late in XX/XX/2021 and XX/XX/2021. 

2. XXXX Account XXXX : XXXX 30 days late in XX/XX/2021. 

3. XXXX Account Number : XXXX 30 days late in XX/XX/2021, and 60 days late in XX/XX/2021. 

4. XXXX XXXX Account Number : XXXX 30 days late in May XXXX 60 days in XX/XX/2021. 90 days in XX/XX/2021 and 60 days in XX/XX/2021. 

5. XXXX Account Number : XXXX 30 days late in XX/XX/2021. 


I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number - XXXX I hereby dispute that validity of the alleged debt listed above Entirely. I also request verification of the alleged debt, Specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting immediate deletion of all prior reporting made to any consumer reporting agencies, XXXX, Equifax, XXXX and XXXX. You must Cease collection efforts until this debt is validated. You must show proof that you Legally own this Alleged debt and that it is accurate and Complete. 

Thank you, XXXX XXXX
Product: Credit card

I was declined for a credit card ; however, with XXXX and a great income the denial reasons provided and the credit factors from the credit reporting agency ( XXXX, XXXX ), I can only assume I was discriminated against based on my gender and marital status.
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Received multiple emails at the same time from Bank of America. An online account was created with my information.
Product: Credit reporting or other personal consumer reports

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of XXXX XXXX data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
I hereby notify you to ensure the accuracy of all your claims, as mandated by the XXXX XXXX reporting standard. 

Listed below are the Accounts that are being challenged 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

Today I write the FCPB due to the malice and misconduct that I've had to endure within my genuinely-approached encounter in having disputed the inaccurate information that remains on my impact-holding credit report, for which I have furnished and provided evidence against. 

It seems unbelievable to have engaged a scenario, where I encountered invalid, inaccurate, and false information on my credit report, and proceeded in a proper manner to take the justified measures to have it resolved ; contacting the Credit Bureau, with direct, clear, insightful evidence that proves the inaccuracy and falsehood that lives on my credit account. In my reality, what is to be unbelievable, is how this case, where I discovered and disputed information that was found to be damaging, with evidence against it, received a response from this said giant, this corporation, that delivered their stance at the disregard of the evidence that invalidated the inaccurate fields that they hosted on my account and its invalid account standing. The official response was to proceed in up hosting and upkeeping the false, harmful, and inaccurate data that the evidence clarified discrepancy against. At this response, it was where all sense of voice, protection, righteousness, safety, and foundation that I believed a human held, and I as a genuine victim, held, was removed. 

Its conclusion is one that is still affecting me today, internally. It is one that made me experience a sense of reality that held no righteousness, honesty, truth, morality, or level of safety. Encountering a corporation that nefariously felt too large to go against, yet, in an infrastructure that my heart knew to be democratic and American. 

Having endured this is where I write you : Consumer Finance Protection Bureau. 

The information that is being disputed as inaccurate is highlighted and organized in the evidence and document attached below. 

XXXX : The 'High Balance ' in my account negatively, and falsely, shows {$500.00}. The evidence shows this account to have never reached a balance anywhere near {$500.00}, never exceeding ~ {$210.00}. This being only one of the numeral inaccurate information that lives on the account, it shows just how large of an impact an inaccurate report can have on you. With this, and to those who are aware, it expresses the extent and the harshness of how this one inaccuracy, this one false field, can negatively impact a person and their credit profile, in manners that are damaging and detrimental. A credit file that reaches or exceeds the limit set on their credit account receives heavy, and long-standing penalty as a result of this.
Product: Credit reporting or other personal consumer reports

1year I have been working with XXXX XXXX help assist. I have emailed them. I have tried reaching out to them after I spoke with someone on the phone stating that my account should be updated I have sent the documentation through my XXXX account. The document states that my student loan portion has been forgiven. XXXX has refused to accept and acknowledge my student loans forgiveness portion and its still reporting a high balance that Im no longer responsible for.
Product: Credit reporting or other personal consumer reports

I REQUESTED DOCUMENTS FROM KHOLS / CAPONE AND WHAT METHOD WAS USED TO VERIFY MY ACCOUNTS. THEY NEVER PROVIDED ANY PROOF. THE ACCOUNT IS INACCURRATE AND ITS NOT REPORTING THE RIGHT BALANCE ON XXXX AND XXXX. THE DATE OPEN AND DATE OF LAST ACTIVITY ARE INACURRATE AND BALANCES ARE DIFFERENT. I HAVE SECURITY CREDIT REPORTING IN ACCURATE ON XXXX, XXXX, XXXX. DATE OPEN DATE OF LAST ACTIVITY. THIS IS A COLLECTION ACCOUNT. I HAVE ASKED FOR PROOF OF THIS ACCOUNT AND HOW IT WAS VERIFIED THEY NEVER SENT ME ANYTHING ON HOW IT WAS VERIFIED. THIS ACCOUNT IS REPORTING ON XXXX TWICE. XXXX XXXX XXXX IS REPORTING INACCURRATE DATE OF LAST ACTIVITY AND DATE OPEN. THEY NEVER SEND ANY DOCUMENTS ON HOW IT WAS VERIFIED. XXXX XXXX IS REPORTING INACCURRATE BALANCES AND DATE OPEN. THEY NEVER SEND OVER HOW THEY VERIFIED THE ACCOUNT. PLEASE HELP ME RESOLVE THIS MATTER.
Product: Credit card

My wife and I opened a joint premium rewards XXXX credit card with Bank of America based on their advertised promotions, including {$100.00} of annual credit towards airline incidentals. Airline incidentals that are part of the promotion include in-flight food and beverage purchases. Over XXXX flights, we spent {$19.00} XXXX times for food and beverage, XX/XX/XXXX and XX/XX/XXXX on XXXX airlines. The purchases show as " XXXX XXXX XXXX XXXX XXXX  '' on my statement. 

After we were not credited for the {$38.00} in purchases, I called BofA. I was told it could take up to XXXX weeks to post. After it did not post, I submitted claim # XXXX. I was told this claim could take until XX/XX/XXXX to complete, and when I checked on XX/XX/XXXX, there was still no credit. I called back again to BofA, and was told my claim was denied because my purchase was not an in-flight food/beverage purchase, and I was also told there was an email sent to me explaining this on XX/XX/XXXX. Unfortunately, both of these are incorrect.
Product: Prepaid card

For many years I have used American Express Gift Cards for online shopping. Recently these cards have been declined by multiple merchants ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ). Over the past two days I tried to purchase XXXXXXXX XXXX XXXX XXXXXXXX from multiple merchants and a card with a {$350.00} balance, and another card with a {$2000.00} balance were both declined. I call Amex Customer Support and was told that the cards were declined for " security reasons '' and I should try another merchant. These cards are basically worthless. The Amex web site states " They can be used virtually anywhere American Express is accepted. This is false advertising, possibly consumer fraud
Product: Debt collection

Hello! I opened a XXXX XXXX credit card in XX/XX/2022. I always strive to make my bill payments on time, but a few weeks later, I suffered a reduction in my income as my work week was cut to 4 days involuntarily. Without fault, I fell behind on the payments of the card.

Then, on a span of almost one month, Comenity Bank started calling me non stop, regarding the credit card debt, even when I was at work. I counted a total of 214 harassing debt collection calls from different numbers including private ones, including several calls made after I reached out to them to work out a solution to the problem, and the attempt was unsuccessful, causing me emotional distress.

I sent two different letters to Comenity, and I enclose a second one I sent, so far I have not heard anything from them at this time.
Product: Consumer Loan

I obtain a auto loan from Credit Acceptance in the year XXXX around XXXX. I was never late on any payments, all my payments were on time. XXXX XXXX my car was impounded by XXXX Police. I contacted Credit Acceptance and informed them of the situation, they informed me to contact their repossession department. When I spoke with them they informed me they will retrieved the vehicle and incorporate the amount into my payments. My payments before the impoundment was {$300.00} after the adjustment my new payments {$450.00} due on the XXXX of each month starting XXXX XXXX. On XXXX XXXX I made the full payment of {$450.00} but the rep. informed me that the rearrangement has been broken and now I owe the total {$990.00} or the vehicle will be disable to drive. I informed him that I was one day late due to my pay day on the XXXX of the month not the XXXX. He stated " Well you a day late and a XXXX short '' how are we going to handle this. I requested to speak with a supervisor, I spoke with supervisor and I made the {$450.00} payment and he told me now the arrangement will be every two weeks of {$300.00} until the pass due is current which will be in XXXX. Every since this incident of the payment in XXXX, I have been harassed, spoken to unprofessional to. Once again I have not missed a payment, when I requested my payment history, the repairs one rep. informed me that I must pay due to the repossession, which was incorrect information.
Product: Debt collection

XXXX bill collection agency Covergent Outsourcing were paid by me with a settlement payment XX/XX/2019. Im requesting for them to remove the collection delinquency off my credit report on all three credit bureau XXXX, XXXX  and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

How can i already try to fix something when I come to u first, and u act as if there is somewhere also to go to get stuff like this fixed, who also could u go to, Noone gives a XXXX. And u ain't going to do any thing about it either. I'm just telling you this now, so when it happens I ll say, I told u so. Then I'll hav the proof I need cuz I've don this before OK. Ur just Goin to waist my time and get nothingsolved. So ya, thats what up.