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

To Whom It May Concern, Upon receiving a copy of my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

I do not have a contract and I did not share my personal information with XXXX XXXX XXXX trying to collect and report on my credit report. They did not provide me with the original contract as I requested. I am writing to inform you of my rights and obligations under 15 USC 6802 regarding the disclosure of my personal information. As a consumer, I have the following rights and responsibilities : 1. Right to Know : I have the right to know what personal information about me is being collected, used, and shared by financial institutions.

2. Right to Opt-Out : I have the right to opt-out of the sharing of my personal information with non- affiliated third parties. 
3. Obligation to Protect Information : I have the obligation to take reasonable steps to protect my personal information from unauthorized access and disclosure.

4. Right to Access : I have the right to access my personal information held by financial institutions and to correct any inaccuracies.

5. Right to Limit Sharing : I have the right to limit the sharing of my personal information for marketing purposes.

6. Obligation to Notify : I have the obligation to notify financial institutions if my personal information changes or if I believe it has been compromised. 
In accordance with the Fair Credit Reporting Act, I hereby request that you investigate and rectify these items from my credit report. It is my understanding that you will verify this information with the relevant creditor. I kindly ask you to remove any information that the creditor is unable to verify. Please be advised that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter.

Furthermore, I request an updated copy of my credit report to be sent to the aforementioned address, as the act dictates that there should be no charge for this updated report.

Thank you for your attention and assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX-XXXX 2015 I had a major loss and sick ness and I fell into a financial hardships ... I fell behind on both of my capital one credit cards ... I wrote them to advise them of this and asked that they remove the late payments as a goodwill ... being that I have been on time ever since ... they did n't take in consideration of the entire process and flat out denied my request ... .I have 2 credit cards with them and they sent me the same denial for both.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am simply requesting the removal of ( XXXX XXXX XXXX XXXX ) from my Experian credit report because the date last updated was on XX/XX/XXXX even though this account was disputed in XX/XX/XXXX and in XXXX of XXXX This is a fcra a violation for not following through with a sufficient reinvestigation. 

Please see attachment
Product: Credit reporting, credit repair services, or other personal consumer reports

Now I see that XXXX/Nationstar has now incorrect information on my credit report showing I am in a forbearance program. In which, that was terminated per agreement with XXXX months ago. The balance on my account is incorrect. The payment per month does not show as well I am still waiting for all payments to be correctly reported and my FICO score to reflect I have a mortgage loan.

No company is by law to retaliate against any consumer when trying to address issues with their loan can not be met by contacting the loan holder, company.

XXXX/Nationstar even sent me a letter on the CFPB complaint a few weeks ago stating they would fix the issues and reinstate my FICO score since I have yet to receive any points from my VA mortgage loan.

Now my credit report is worse with errors regarding my mortgage loan. Once again out of retaliation from XXXX/Nationstar.

I will keep filing complaints until this serious issue is finally resolved ... going on over a year now.
Product: Credit reporting or other personal consumer reports

FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of XXXX, Experian, and XXXX. I request you block accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Tuesday at approximately XXXX I received a call from XXXX. I was waiting on an important call and thought I would answer, although I do not usually answer unknown numbers. I answered and the person just said XXXX XXXX? I said who is this and they immediately said the were calling about a bill I owe point medical, I said who is this and the man said that I owe a bill and if I do n't pay it will is going on my credit report. I said I do n't owe anything what are you talking about? He then said something and I could hear some one whispering in the background to him and he said I owe XXXX money. I said no I do n't, and you never confirmed you were taking to the correct party not tell me this call is being recorded. He said something I did t understand and kept saying that I do owe and if I do n't pay it is going on my credit report. I told him that that are n't supposed to call me. I have had issues in the past with this company calling and harassing me. They are rude and I previously told them to NEVER call my number again. I will pursue the advise of my attorney because this is causing me undue stress and I have XXXX.
Product: Credit card or prepaid card

I placed an order with XXXX on XX/XX/2021 through their website in XXXX as we were vacationing in XXXX at the time. The order was immediately cancelled after being placed realizing that the shipping address being displaced on the order half in XXXXh and half in XXXX. I have provided the financial institution with copies of the orders cancelled with XXXX, and a letter explaining in detail how the situation occurred. I also made multiple attempts to contact Amazon.com/mex to no avail. XXXXx claims they did not receive any money for the order in question, therefore, there is no credit to process. 
After contacting the financial institution regarding this problem, they issued a provisional credit to my credit card. However, that credit card charge was then reversed and I was billed again for items that were never shipped to me on an order I cancelled immediately after being placed. I also made the financial institution aware that, there are no tracking numbers showing that the order was shipped. XXXX did not provide any items for the money they are billing me, therefore it is an unauthorized charge. The total charges are for {$140.00}.
Product: Debt collection

Debt was discharged via XXXX  XXXX bankruptcy on XX/XX/2022. 
Collector was notified via bankruptcy court at the inception of filing. 
Collector refused to update status of debt during bankruptcy proceedings.

Collector continued to collect on debt which violate FDCPA laws.

Collector stated debt status as valid although they were made aware of bankruptcy status during and after discharge.

Debt has now been discharged due to bankruptcy and debt is still be validated as owed and in open status ; although I have performed
numerous direct disputes through XXXX and XXXX. Debtor has been provided bankruptcy information and it is also public record for anyone to view and pull.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 
I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 

5. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient incorrectly made my monthly payment lower in my credit report than what is stated on my monthly bill. However I agreed to make payment arrangements which Navient agreed to but they still reported my payment late this decreasing my credit score with XXXX and other credit reporting bureaus XXXX points. They did not inform me that they would report this to the credit bureaus.
Product: Debt collection

I suspect fraudulent activity on my credit report due to unauthorized accounts. Please address this issue by removing them.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All these reported wrong. I do not owe XXXXXXXX XXXX XXXX XXXX and I want them removed/paid in full on my account. everything else needs updated as closed/removed.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX i called into Equifax to remove an internal block and three unauthorized inquires on my consumer report. The represented from equifax said i needed to submit my license w2 and social in order for this to be removed. attached is a copy of my FTC report, dispute letter, id, w2, social
Product: Checking or savings account

With zero notice, Chase Bank closed my account. I called them, but they refused to tell me why my account was closed. Further, they couldn't tell me when my money would be returned to me. Very shady. 

I feel like they are very discriminatory perhaps because of my ethnicity, my age or my gender. 

They didn't even attempt to reach me before closing the account. They didn't want to discuss it. They made an arbitrary decision based on some unknown factors. 

There was nothing strange going on with my account. I had just funded it a week earlier. It was in good standing. In fact, I had set up a transfer of money to give them even more money. 

Chase Bank 's actions clearly caused me to not have access to my money. And not having access to my money is currently causing extreme financial hardship.
Product: Checking or savings account

Wells Fargo closed my account and restricted access to my funds and the reason they gave is because I used XXXX excessively one of the employees in XXXX named XXXX also logged into my account and disclosed my personal info to another Wells Fargo customer that is illegal and he needs to be fired immediately I would also like to be compensated for the stress I cant pay rent because they are withholding my money
Product: Credit reporting, credit repair services, or other personal consumer reports

File a dispute with trans union for two accounts that was Reporting inaccurate information on or about XX/XX/2021 received an update with an issue date XX/XX/2021 that the two accounts listed below. Were Deleted from my credit report upon checking my credit report recently trans union has Reinserted the following. Two Accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX which In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 
Trans union is also in receipt of this Reinsertion dispute and has file to respond.
Product: Checking or savings account

I disputed a claim on XX/XX/year> and the claim just got denied today as of XX/XX/year>, I disputed it because I was charged a lot for shipping which was unreasonable.
Product: Credit reporting

While I was shopping for a vehicle loan I had several hard inquiries made. Based on information that is porvided here by the CFPB all these inquiries should have been combined into XXXX. XXXX did it automatically from one month to the next. Why have n't you?
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 Account number : XXXX XXXX XXXXXXXX/XXXX/2023
Product: Credit reporting or other personal consumer reports

Dear TransUnion Your company verified the below account right. I looked at the FTC site, and they stated that you have to tell me how you verified this account. You have to tell me details and not a boiler point letter. Please tell me now. XXXX waiting for your response, please re-investigate this item. 

XXXX  : Account number : XXXX, Account type is incorrect and not correctly displayed. High credit limit needs to have the correct limit. 

XXXX XXXX  : Account number : XXXX, Account type is incorrect and not correctly displayed. High credit limit needs to have the correct limit. 

XXXX XXXX  : Account number : XXXX, Account type is incorrect and not correctly displayed. High credit limit needs to have the correct limit. 

XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. High credit limit needs to have the correct limit. 

XXXX XXXX XXXXXXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. High credit limit needs to have the correct limit. 

XXXX XXXX  XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. High credit limit needs to have the correct limit. 

XXXX  : Account number : XXXX, Account type is incorrect and not correctly displayed. High credit limit needs to have the correct limit. 

Please send me details on how this account was verified. 

Thanks.
Product: Credit reporting or other personal consumer reports

About a month after leasing my vehicle, my job had let go of multiple staff members, myself included, in regards to the XXXX XXXX pandemic. They had decreased their staff and upon doing so, I called in multiple times & spoke to numerous agents to discuss a payment plan due to losing my job. I soon later learned I was a victim of identity theft trying to pursue my unemployment payments, in which I kept calling in to keep them updated with my financial situation. I told the company I would be able to make payments and asked if I was able to provide paperwork proving my claim but they assured me that they would work with me. Completely false, because as I stayed in contact with them to keep them posted about my financial status, they came & towed my car, repossessing it before they would accept my payment. I called in and spoke to a young lady who was not only rude, but careless & refused to clarify in my account for the notes every agent I spoke to claimed they put on my file in regards to my payment plan. She said she was going to place me on hold but instead, hung up on me.
Product: Money transfer, virtual currency, or money service

Dear CPFB, I am writing to file a complaint regarding a serious issue with Capital One. XXXX was used to pay my state filing fees. However, my tax preparer entered the wrong bank account and this mistake was not discovered until I did not receive the scheduled deposit. As a result, the money was mistakenly deposited into an account at Capital One Bank, despite the fact that I have never banked with Capital One and my name is not on the account in question. I have contacted both XXXX XXXX XXXX XXXX XXXX and Capital One Bank in an attempt to rectify this error, but have been met with refusal and excuses. Capital One Bank refuses to return the money, claiming that they are unable to do so, while XXXX XXXX XXXX XXXX XXXX has stated that they are unable to rectify the situation. This has caused me significant financial loss and undue stress, as I rely on my tax refund to cover important expenses. I urge CPFB to investigate this matter thoroughly and take appropriate action to ensure that I receive the money that is rightfully mine. This mistake was not of my doing and I should not be made to suffer the consequences of the negligence of XXXX XXXX XXXX XXXX XXXX. I appreciate your prompt attention to this matter and look forward to a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

CBE Group is reporting an erroneous debt on my credit file that I do not owe! I recently checked my credit and noticed this debt. This debt is very old and not only is past the statue of limitations but it's also past eh credit reporting limit per the FCRA guidelines. I do not owe this debt and it is not mine. This needs to be removed off my credit report.
Product: Checking or savings account

I opened a business checking account with Huntington Bank on XX/XX/XXXX. The account was fully opened and all disclosures/ paperwork were signed. I went to make an opening deposit in branch on XX/XX/XXXXXXXX  and was told they could not deposit the funds. They said the account was in the process of closing and gave no further details. The branch manager called the back office and they could not provide information to him either. I opened under a promotion and I qualify according to the fine print. I feel this bank is discriminating as to who they open accounts to and who they don't. Just because they don't want to pay out promotions. Don't run the promos if you don't want people to sign up. Legally I don't think they can deny people for no reason.
Product: Debt collection

For about the past six months I have been getting robo-calls from Hunter Warfield on pretty much a daily basis. There are two types of calls ... one does not mention any names. It says they are a debt collector and that I should call them about this debt. I have not called them back as I have been totally consumer debt free for over 10 years and my credit score is in the high 800s. 

The second type of robo-call is one asking for my ex-wife. The message is the same, that she should call them regarding an outstanding debt. My ex-wife and I divorced 17 years ago. I don't even know where she lives. 

I have only gotten phone calls. No letters. 

I have hesitated to call them back as it then becomes a " war of words. ''
Product: Credit reporting or other personal consumer reports

I am writing a complaint about incorrect information on my credit report which is showing XXXX late payments on this account XXXX XXXX, XXXX. 
XXXX. 
I was never late on my payments and never notified about it. Please investigate and send me the proof of this lateness otherwise delete this information from my report.
Product: Debt collection

Sent a debt collection letter for a toll violation that was appealed due to XXXX XXXX. The debt collection company would not answer the phone and all mailboxes were full. I am willing to pay the {$6.00} toll but not the {$50.00} surcharge as I have XXXX XXXX and sent New York multiple appeals stating as such with my XXXX XXXX   account information. I have attached a copy of my XXXX XXXX tag that is in good standing with the state of New Jersey.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX keeps updating on my credit report and it is not mine. It shows a XXXX balance and paid but its not mine & they keep updating and damaging my credit monthly. 

I have been disputing with The credit bureaus Equifax and XXXX and they have yet to prove that this is mine. XXXX XXXX IS NOT VALID VERIFICATION PER THE FEDERAL COURTS. 
This needs to be deleted
Product: Credit card or prepaid card

I have been paying my credit card. I'm receiving emails stating the payments have been posted, money is taken already from my bank account. XX/XX/2022 I paid {$4200.00}. XX/XX/2022 I paid {$3700.00}. However I am not receiving the credit back for use. I just received my XX/XX/2022 statement and on the paper statement it even shows I have {$6900.00} in available credit but on the website clearly it shows they are refusing the release that credit for me to use for over 2 weeks now. If the credit is not available to use they should not be allowed to on paper show it as available but not actually let me use it. I have talked to multiple customer service agents over phone and online chat and they tell me the same thing. They can't do anything about it, that the payment is on hold however they have no answer to why it is documented and on paper as available but they refuse to release and let me use the credit as shown and provided by their own documents. Everything is very deceptive and I don't know what is going on.
Product: Debt collection

I am writing to dispute and request the removal of fraudulent accounts from my credit report. I have identified unauthorized accounts negatively affecting my credit, and I believe they are a result of identity theft or fraud. 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

Experian said that I did not answer their questions properly and they have no human phone number - everything is done through a robo phone - when I tried to unfreeze my credit information with their robo and website - they refused to help - I am trying to buy a house and the freeze they have on my account will not let them get my information. 

This started on XX/XX/XXXX2019 - I have called every number I could find and it always sends me to the robo help - they want me to send through the mail - a copy of my SScard - my ID/DL - bank statements - utility bills. 

This is NOT secure and they will not help in anyway- I found an email address XX/XX/XXXX19 and they refuse to respond. Even if they would let me email it to them or fax it - but I can not get any help!!!! No person to talk to - what do I do now and who can help me.