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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Experian and XXXX. 

Please delete the following accounts : XXXX  XXXX Account number : XXXX Balance : {$3200.00} XXXX  XXXX Account number : XXXX Balance : {$780.00} XXXX XXXX XXXXXXXX Account number : XXXX Balance : {$1100.00} XXXX XXXX XXXX Account number XXXX XXXX Balance : {$1300.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX Balance : {$440.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account number : XXXX Balance : {$780.00} XXXX XXXX XXXX Account number : XXXX Balance : {$440.00}
Product: Checking or savings account

I filed a dispute with chime and they immediately declined it saying it was authorized after I told him that it wasn't authorized this transaction appeared a year later after I did business with this merchant chime could at least charge the transaction back and find out what they have to say about it because if they don't respond within 60 days then the credit is mine I don't know why they're charging me I contacted the company and they don't have any information on why they charged me and so I went through the bank and they said they've been provided documentation that I authorize the transaction but they will not provide that information to me which makes me believe that they never got any information they're just declining it for the fact I want my money back I want them to do their job this is my second time complaining to them if they don't follow regulation e they should be subject to find why are you all not following through with this this is frustrating I may take this to social media
Product: Credit reporting or other personal consumer reports

Hello, I am writing concerned and distressed that someone has used my identity to obtain a card from Capital One in XXXX XXXX which is a old business name. The problem with this ccount is I was XXXX  and I have proof of my XXXX. I have disputed this account multiple times and it leaves me no choice. My XXXX  is so intense that I was not allowed during that time to use my credit at all and was being monitored by the state. I am asking for Arbitration as my attorney will represent me but I am seeking damages after my XXXX  is proving I am seeking my attorney fee 's of {$4000.00} and {$2000.00} for my distress for having to deal with somethiing that I did not do. I also have my old XXXX  XXXX as a witness to prove this was not me. I have froze my credit and filed a report with identity theft.gov.As large as Capital One is they should have some type protection for consumers to prevent this from happening. I am requesting a response asap. I have already paid the retainer for my Attorney and can forward it over if needed. Please correct this issue urgently. 





{$2400.00} is the balance
Product: Credit reporting or other personal consumer reports

I was a victim again of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

After reporting experian for reporting inaccurate information about my credit report they silently attempted to correct my report but still incorrectly stated my credit score intentionally. Also they never reached out to me at all
Product: Debt collection

On XX/XX/XXXX I called time finance company to settle my account that has been closed since XX/XX/XXXX therefore I spoke to XXXX XXXX a recovery specialist for this company.. my original balance after my car was repossessed was {$4700.00} ... when I spoke to XXXX XXXX from time finance regarding a settlement XXXX XXXX accused me owing more than {$6000.00} from the time of the repossession and  said the lowest I can take is {$4700.00} .... And threaten me in a unprofessional manner and by Mentioning to sue me and hold a judgment against me if I didnt pay ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of these items from my credit report, which is the result of fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me which are reported erroneously. I am in desperate need of these items to be INSPECTED and BLOCKED. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I wrote a check, # XXXX, for {$160.00} to my XXXX, XXXX in the XXXX. The amount was deducted from my account. Months later the XXXX said that they never received the check and are demanding additional money from me. I try to get the front and back of the check from Wells Fargo, but unlike all other checks the front and back is not posted online. I call Wells Fargo to send me the front and back of the check. They say they will, but over a week later they say the issue is closed and they have nothing to send me. I say that I will file a complaint and if they can't provide the proof that the XXXX deposited the check, then I have to assume that somebody at Wells Fargo deposited the check.
Product: Credit card or prepaid card

I have a chase sapphire reserve cards which promises reimbursement on trip delays due to weather of 6 hours or more and rental car accidents.

My flight was cancelled due to inclining weather, I called the bank to confirm that the situation would qualify as a trip delay/ cancellation and then I proceeded to use money to book other means of transport. After I filed the claim XXXX which goes to their contracted party, wait times are very long and they keep requesting documents which the airline already reported they can not provide. I already provided the documents explaining the situation as well as airline provided documents explaining the flight was cancelled due to weather but the claims company continues to request very specific set of statements that the airline must say so they can process my claim, i went to online reviews and thousands of other customers had the same problem. How come these claims insurance companies are not held accountable for their responsibility
Product: Credit reporting or other personal consumer reports

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING, AlSO INQUIRIES I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE. 



In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

Chase Cardmember Services continue to report inaccurate information on my credit report. I have notified them that this account does NOT belong to me. They refuse to investigate and verify to show proof that this account does NOT belong to me. I 've request that they remove this item from my credit report but Chase has refused to do so. This reporting on my credit report has damaged my credit file completely. There 's no way I can get back the points I lost due to their negligence of inaccurate reporting. Chase continues to violate my rights under the Fair Credit Reporting Act by reporting inaccurate information and damaging my credit file. I have include a copy of my recent XXXX Credit Report to show the adverse reporting on my credit report. As you will see, ALL of creditors are in EXCELLENT Chase Cardmember Services continue to report inaccurate information on my credit report. I have notified them that this account does NOT belong to me. They refuse to investigate and verify to show proof that this account does NOT belong to me. I 've request that they remove this item from my credit report but Chase has refused to do so. This reporting on my credit report has damaged my credit file completely. There 's no way I can get back the points I lost due to their negligence of inaccurate reporting. Chase continues to violate my rights under the Fair Credit Reporting Act by reporting inaccurate information and damaging my credit file. I have include a copy of my recent XXXX Credit Report to show the adverse reporting on my credit report. As you will see, ALL of creditors are in EXCELLENT STANDING. I am extremely responsible with my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Account XXXX Balance {$480.00} Opened : XXXX XXXXXXXX XXXX  XXXX Opened : XXXX XXXX Account type : collection Balance : {$530.00} These accounts are reporting Innacurate information to my report which I recently checked, submitted a complaint to the company more than twice and reported identity theft, have not gotten validation.I demand these accounts be deleted as soon as possible due to Innacurate information being reported and hurting my score from these third parties by law, which I had no accountability to be held within these matters of innacuracy, Thank you! Have a wonderful day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX and I am submitting this CFPB Complaint to request the complete removal of the remaining fraudulent information being reported on my Credit Report. I previously sent a letter addressed to the Experian Credit Bureau to request that they remove the accounts and inquiries that resulted due to identity theft. I have read that under the FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and inquiries that resulted due to identity theft. However, upon checking my updated Credit Report, Experian still indicate the disputed items on my Credit Report and claimed that the items and inquiries belong to me and are verified without sending me copies of documents bearing my signature or any document to serve as a proof of verification. This action by Experian is a clear violation on my rights under the FCRA regulation. I am now submitting this CFPB complaint to request that Experian conduct another investigation and if possible remove the disputed items from my Credit Report. I need the following items deleted as soon as possible : XXXX 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 or other personal consumer reports

Upon reviewing my credit report I noticed a new collection had been added to my account. It shows that the date it was opened was XX/XX/year> with XXXX XXXX XXXX and the original creditor was XXXX XXXX. This is inaccurate. I do not have an account with this entity. I never received a letter informing me of this debt. By law, they are required to send a letter informing me of the debt and giving me the opportunity to request validation of the debt. This was never done. I would request an original contract, billing statements, account statements showing debits and credits to this account. I have not received anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I called Experian to dispute in accurate information on my credit report. The bankruptcy information is incorrect and does not match my court document file. The address is incorrect document. I request by law for proof by Experian to provided their Investigation is accurate.. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
Product: Debt collection

I have attached a copy of the letter I mailed off to Innovative Recovery over a month ago. I also have proof that they did receive my letter because it was sent certified mail and required a signature upon delivery. I have not received any response from them about the investigation regarding the alleged debt. They have avoided my CFPB Complaint that was submitted XX/XX/2020 as well as my letter I sent late XX/XX/2020. I feel that they have had much time to respond to either of these mediums, yet they have failed to make any contact whatsoever. They are ignoring my inquiries and I am just trying to get to the bottom of this situation because the alleged debt that is reporting on my consumer report is negatively impacting me, especially during this pandemic. They have not proved the account belongs to me and they have had about 2 months now to reply to me with the results of their investigation, which personally, I believe that they have not even considered to look into.
Product: Credit reporting or other personal consumer reports

Unauthorized Credit Inquiries Reported by Experian I am filing this complaint regarding multiple unauthorized inquiries listed on my Experian credit report. These inquiries are not associated with any accounts or credit applications initiated by me, and I have no knowledge of their origin. Despite my efforts to dispute these inquiries directly with Experian, they remain on my credit report, causing undue harm to my creditworthiness and financial standing.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ), consumer reporting agencies are required to ensure that inquiries reported on credit files are permissible. Inquiries are only permissible if they are made with consumer consent, for the extension of credit, for employment, or for other lawful purposes explicitly allowed under the FCRA. The inquiries in question do not meet these criteria, making their inclusion a violation of federal law.

Furthermore, under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate information on my credit report, and the credit bureau is obligated to conduct a reasonable investigation into such disputes. Despite my disputes and the submission of supporting documentation, Experian has failed to adequately investigate or remove these unauthorized inquiries. 

The continued presence of these inquiries on my credit report reflects negatively on my financial behavior and unfairly lowers my credit score. This directly impacts my ability to secure loans, mortgages, and other financial opportunities.

Resolution Requested : I request that Experian conduct a thorough investigation into these inquiries and immediately remove all unauthorized and inaccurate inquiries from my credit report.

I also request that Experian provide an explanation of how these inquiries were added to my report without my consent and detail the steps they will take to prevent such occurrences in the future.

Ensure compliance with the FCRA and other applicable laws to protect consumers like myself from unwarranted harm. 
Thank you for your attention to this matter. I look forward to your assistance in resolving this issue and restoring accuracy to my credit report. 


XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Last night created an account on Capital Ones XXXX XXXX XXXX upon creating the account I found a number of errors including a {$580.00} fee from original lender, XXXX etc location, XXXX XXXX, XXXX. I filed a complaint last night this afternoon I tried to log back into the XXXX XXXX XXXX, and it would not allow me and kept giving error. My account was compromised. Also, there was false addresses associated with my credit account as well. : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Its showing up on my credit report.. unfortunately, Ive never lived at this location or have I ever been associated with this location Im thinking maybe the person who compromised my account may be associated with that location. These errors above or the reason for this complaint
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX Bounce AI acquired an old account assigned to from XXXX XXXX XXXX. I discovered the existence of this account in early XX/XX/XXXX by running my credit report. I disputed the information with XXXX and it was validated as legit. I contacted Bounce AI requesting a debt validation letter and they simply sent me a bunch of account information from the XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX ( original creditor ) on XX/XX/XXXX was charged off the account. 
The full balance remaining was {$6200.00} XXXX XXXX XXXX assumed the account and started reporting it on XX/XX/XXXX. Bounce AI stated the balance owed was {$7300.00}. They are using a reference number in lieu of the original account number. 
Bounce AI has violated my rights on several fronts. They have refused to provide the original contract bearing my signature, if the account has been written off it could not bear a balance on my credit report, they have failed to provide any tangible evidence that I have any business with their organization.
Product: Checking or savings account

We received a letter from Wells Fargo stating that they will be closing our business checking account that has been open and active since XX/XX/2002. The account funded an initial investment to a reputable developer as a partner and is currently receiving distributions from the net rental proceeds on a monthly basis. We do not deposit any large amounts of cash to this account. We have never written any bad checks from this account or any of our accounts. The Wells Fargo letter states that the pending closure is a " business decision ''. There is no risk associated with this account and any claim that this account is a risk would be a false assessment. We feel that Wells Fargo is simply claiming a " risk '' out of thin air and closing accounts to simply satisfy and counter their recent shady activity of opening unauthorized accounts.
Product: Debt collection

I got a call from a XXXX number under XXXX XXXX that keeps calling me. They told me I have over {$3000.00} in debt outstanding with XXXX XXXX XXXX and asked about my address somewhere in Texas. Ive never lived at this address and the other phone numbers she mentioned to me were not correct or part of my family plan. I also have no debt with XXXX XXXX XXXX, as confirmed by the company. This company asked for the last 4 of my SSN and they are clearly falsely collecting this information and willfully deceiving people.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn-out of sending dispute letters to Experian requesting that they correct this mistaken accounts being stated on my Credit File because they have been doing nothing! This complaint is to follow up my prior protests and letters I submitted on XX/XX/XXXX and to notify them that I am halfway of taking lawful action and litigate Experian for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the accounts on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The accounts that should be adjusted are as follow : XXXX XXXXXXXX Date XXXX Balance : $ XXXX Late Date XXXX, XXXXXXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : $ XXXX Late Dates XXXXXXXX XXXX XXXXXXXX XXXX XXXX Open Date XX/XX/XXXX Balance : $ XXXXXXXXXXXX XXXX Date XXXX
Product: Debt collection

I did not know that Pro Collect was in pursuit of a debt collection until I checked my credit report and seen a derogatory remark. This was placed on my credit report XX/XX/XXXX and I noticed the remark on XX/XX/XXXX. They were working with XXXX XXXX XXXX. I went to court with XXXX XXXX on XX/XX/XXXX and believed that the matter was settled there. I called Pro Collect today, XX/XX/XXXX and was asked for my social security number, full name, address, and was told that I owe over {$4000.00} of debt. I did not know of such debt until this month and had not received any prior notification by phone nor mail. The representative informed me that even if I were to pay the amount in full, they will not remove this from my credit report. Additionally, I was informed that they do not have any payment programs and that there is nothing that can be done to help me except for me to pay the amount in full.