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

I am writing to dispute certain accounts and inquiries listed on my consumer credit report, as referenced below. These entries are the result of a data breach or fraud, and I am requesting verifiable proof that includes my signature or electronic signature. 

This letter is being sent on my behalf, not through a third party, so I ask that you review it carefully. I never authorized these actions, which violate my consumer rights under the Fair Credit Reporting Act ( FCRA ) Section 605B [ 15 U.S.C. 1681c-2 ], regarding the blocking of fraudulent information, and Section 604 [ 15 U.S.C. 1681b ], which governs the permissible purposes of consumer reports.

I have already contacted the involved companies and confirmed that these actions were taken without proper validation or original proof. Since I did not authorize these accounts and inquiries, they are inaccurate and result from a data breach or the unlawful reporting of my consumer information by creditors or third-party data furnishers. 

I request that these unauthorized accounts and inquiries be promptly removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim. of identity theft, please remove the following hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Student loan provider only offered limited solutions to help me. Due to a medical issue Ive been out of work and unable to afford my payments, Navient representatives have made it seem like my only option was the amount that they requested and nothing less.
Product: Credit card

In XXXX, I was charged a {$550.00} annual fee for the year. In XXXX, Chase unexpectedly and without warning canceled my credit card while I was traveling, stranding me with no money. When I called, they said that my account was closed due to bank policy. They would not tell me what that meant and said I had to wait to get a letter in the mail a few weeks later, which was equally unhelpful. My account was completely irreversibly closed. The person in customer service on the phone informed me that since the account was closed that I didnt need to do anything further. After a while, I started to receive notices that I actually did owe money on the account, plus interest and late fees. I called Chase and they told me that because of what happened I would not have to pay the late fees or interest charges, and they obviously would not be charging me a {$550.00} annual fee for the year in which I did not have the card because they canceled it. Despite them having told me initially I wouldnt have to pay anything, I did then pay the {$7500.00} balance on the card so I would owe nothing and could be done with them. The only amount left on the account was the {$550.00} that they said would be refunded so my balance would show as XXXX within several business days. That did not happen. When I logged back into my account to confirm I had a XXXX dollar balance, I was now seeing the {$550.00}, plus additional interest of {$130.00}. When I called back, they told me they didnt have to do anything and that they would not be refunding me for the annual fee even though they canceled the card about XXXX weeks after I paid the fee for a full year. They also told me they would not be refunding me the interest theyre now charging me for that {$550.00}. They told me that I had to pay it, and that they would keep charging me late fees and interest if I didnt and said they would also report it to the credit reporting agencies. Please help me, I do not owe this money they told me and admitted I didnt owe it, and now they just tell me too bad and hang up on me when I call. They can not just charge me {$680.00} in the fee plus interest charges for a years worth of services that I paid for when they only gave me about XXXX weeks, and then ruin my credit when I try to dispute the injustice. 

*update, since I last complained they have now upped the unjust charges to {$720.00}. They replied to my last CFPB complaint saying they would not do anything due to vague bank policies whatever that means. Please help me
Product: Bank account or service

Opened Business Checking account with Bank of America on or about XX/XX/2017. Terms stated that " Make at least {$1000.00} in Qualifying Deposits ( less cash received ) into that new business checking account within sixty ( 60 ) days of account opening ''. I in fact funded the account with {$3000.00} within the first 30 days from a third party bank. Given the account promotion, I should have been credited {$200.00} for this account opening and funding. 

Bank of America sent a letter the end of XX/XX/2017, indicating that qualifying bonuses were not met. I have requested that Bank of America investigate this, but have not gotten a response to date.
Product: Debt collection

Received a call on my cell which showed up as potential spam call and your agent started asking me for personal information to confirm Identity. I questioned him to confirm this is not just a phishing call and agent go upset and started threating me that he was going to report me as not comping to pay cause I didn't give him my confidential information. I am aware there is a debt that has to be payed and I am more then happy to resolve this issue but your agent had the wrong attitude and I don do not appreciate him threating me to report me to his client and create bad and false reports on my Credit. I just received a letter making me aware of this debt and will be taking care of it but I will not be dealing with any of your rude and unprofessional agents. This debt could be been resolved today but since he just got upset when I questions him to make sure I was not getting scammed he just hung up on me and did not give me a chance to speak. Agents like that should be fired in my opinion.
Product: Student loan

I received notice that Aidvantage received my XXXX application on XX/XX/XXXX and I have yet to hear back anything. I applied via studentaid.gov and self-certified my income. I have emailed Aidvantage to inquire about my status and have not gotten a reply. On XX/XX/XXXX I received a confusing email stating it was too soon to recertify my IDR. I wasnt asking to do that? This better not have been a denial. I make very little money right now and in no scenario do I not qualify for the {$0.00} SAVE payment with no interest. 
This is the second time in a row I have had to make a CFPB complaint as the first time the company also neglected to tend to my application. A few days afterwards I was put on an IDR plan and forbearance and told to re-file to apply to SAVE. Here we are again. 
I need to know what is going on and need my account looked at. Thank you
Product: Credit reporting or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I, XXXX, The natural person and Consumer Citizen is responding to the allegation, mores " lies '' brought about from the following companies : XXXX XXXX XXXX XXXX XXXX, CAINE AND WEINER/XXXX, and XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX . You and the paid third party debt collectors without contracts to collect ( pursuant to 31 U.S. Code sec,3718 ) are in fact caught in a lie and have given all proof needed as to what published within your response. You have failed to mention WHO, the investigative information was obtained from.. in addition, HOW my personal information was obtained, fi not authorized by me pursuant to 15 U.S.Code 1681 ( B ), you've had no Permissible Purpose '' or written consent from me the consumer. This is in fact identity theft, punishable in Federal Court. I have in mailed in second notice of ceasing all REPORTING and providing me with the proof of WHO and HOW investigations were done. These companies have not supplied any evidence to how my information was obtained, only that it was " verified and accurate '' pursuant to 15 U.S. Code 1681 ( A ) ( E ) speaking to personal friends, family, etc is not FACTUAL, none the less third party bureaus buying personal information, all NOT AUTHORIZED BY ME. these companies continue to report inaccurate information in violation of the FDCPA. In all of the companies responses they have failed to mention how, where, or from whom the information was obtained. MY character continues be defamed, willful injury, emotional distress along with my credit and defaming of privacy. Under the 4th Amendment and Federal laws I am protected, my 4th Amendment Rights have in fact been infringed on as my " rights to be secure in my papers " has not been constituted in this matter.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed that lots of inaccurate accounts and inquiries, I immediately made a Letter to the respective agencies dated XX/XX/2022 and I wonder why after 30 days I haven't received any response from them so I had to research about my right and found that according to this article { FCRA 611 ( 15 U.S.C. 1681I ) } there's this 15 days additional for the reinvestigation. So I calm myself and waited for another 15 days to passed. Today I couldn't wait for another day it is over 45 days since I mailed them about it but still no response at all. According to article that I read failure to investigate 30 days gives a reason to immediately remove those items from my credit report. I feel like I am being ignored and being taken advantage.
Product: Checking or savings account

One XXXX XXXX, 2017, I had an account balance of beginning balance of {$220.00}. An ATM withdrawal for ( {$100.00} + {$2.00} fee = {$100.00} ) was debited to my account. That left a balance of {$120.00}, which Capital One ( Bank ) debited an ACH charge for {$71.00}, leaving a balance of {$49.00}. The issue I have is with the following two debits. The Bank then debited a {$75.00} ACH charge from the account ( {$49.00} - {$75.00} = [ $ XXXX ], resulting in a {$35.00} fee. Then the Bank applied a check for {$30.00}  against the negative amount to incur another {$35.00} fee. Had the Bank applied the check for {$30.00} first, it would not be able to collect two OD fees. ( e.g. {$49.00} - {$30.00} = {$19.00}, no NSF/OD fee ).
The Dodd-Frank Act makes it unlawful for any covered person or service provider to engage in an abusive act or practice. An abusive act or practice ... Takes unreasonable advantage of ... the reasonable reliance by the consumer on a covered person to act in the interests of the consumer. Here, I reasonably relied on my Bank, to act in my interest and try to reduce the amount of charges incurred on my account when it was reasonable to do so. By not applying the {$30.00} check before applying the {$75.00} ACH charge, the bank caused me to pay {$35.00} or a {$30.00} check. I believe this to be an abuse act or practice as defined by the Dodd-Frank Act.
Product: Mortgage

Loan modification authorized by Chase Bank without my consent. Therefore I am not liable for this debt and Chase is not allowed to continue reporting on my credit report. Please advise Chase to comply with FCRA Sections 616 and 617. Chase sent me mortgage documents for this loan that did not contain my signature.
Product: Credit card or prepaid card

Today XX/XX/2021. I called the number listed in the online account information for two reasons. A {$7.00} late charge issued in XX/XX/2021. And a {$39.00} membership fee charged in XX/XX/2021. In both of these cases I received no resolution. In the case of the XXXX fee, i was told the date of the late fee prevents Capital One from reversal. I have several credit cards and have never been refused the Customer Service of a Late Fee reversal. That is because I pay my bills on time, and it is a customer service, understanding that things happen, and sometimes you may miss a deadline. So I do not understand the service failure in this instance. Especially considering we are still in a pandemic. The Membership Fee has been an issue since I received approval of this account. From the beginning there was a misunderstanding on this account, I applied for two cards with Capital One. Neither was supposed to have a Membership Fee, and every year since, I have had to call in to have this fee reversed. This is the first year in the history of this credit card that my request ( the misunderstanding ) has not been accommodated. What is different from this year compared to all the other years? I am asking Capital One to look into the history of my account, and confirm that it has been accommodated, and then explain why in the middle of a Pandemic this request has been denied. Once that research has been completed please reverse both the late fee and the Annual Membership Fee I changed my profile to pay using the Auto-payment system. But this is why consumers don't trust auto-pay and paperless billing.
Product: Debt collection

I have been contacted by Nationwide Judgement Recovery XXXX to recover alleged debt due as result of class action lawsuit filed against XXXX XXXX. I was somehow named in the Class Action Lawsuit but have not paid or receive any money with XXXX. The only plausible scenario that I can think of is that my identify was stolen and somehow I was signed up for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I get  XXXX  students loans showing on my credit report who actually getting paid by my mom monthly. The company just now reopen my debt and doing a garnishment on my paid stubs bi-weekly. I do not own a student loan the debt is under my mom credit report.
Product: Credit reporting or other personal consumer reports

Hi folks, morning morning XXXX 


so this is my concern folks they have repeatedly posted on my report, that i have a debt with them all of these reporting credit cards and i myself payed all of these accounts years ago like 2-3 years to be exact, ive tried to dispute them on the XXXX website and they tell me to contact the reporting credit card, and when i do the credit card wont help me this is outrageous please help me get these removed Bank of America date opened XX/XX/XXXX - status updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX date opened XX/XX/XXXX - status updated XX/XX/XXXX thanks friends
Product: Debt collection

Hello, My name is XXXX XXXX I have been in touch with XXXX from XXXX. XXXX set me up with a payment arrangement and told me to call when ready to pay. The arrangement date was set for XX/XX/19. About 4 days before the XXXX I contacted XXXX and left a message for a call back but no call back was received. I called again but no answer. I was told to call to do payment Over the phone but none of my calls have been returned. 

I did not want to file a complaint, I just did not know how else to get in contact with the company. 

I was left with only phone number and not a direct email.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

5 U.S.C 1681 section 602 A. States i have the right to privacy.

5 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 5 U.S.C 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 or prepaid card

1. Discover never approve my credit line increase, so I have to make payment on a daily basis so that I can have enough credit line. 2. Making a payment on a daily basis does trigger an eight ( 8 ) days hold, but can simply be resolved by calling my bank for verification. 3. Nonetheless, Discover had placed a XXXX hold on the account just about two ( 2 ) weeks now, and heard no news from them.
Product: Credit reporting or other personal consumer reports

I dispute multiple items on my credit report has been inaccurate. They have yet to be removed from XXXX, TransUnion and XXXX.
Product: Credit card

I am writing to formally dispute and request an investigation into inaccurate reporting on my credit reports by XXXX XXXX and XXXX XXXX. These accounts were paid off in full, yet they continue to be reported as charge-offs on all three major credit reporting agencies ( XXXX, Equifax, and XXXX ) XXXX 

Additionally, I did not receive a XXXX form or a XXXX regarding these accounts. Despite my obligations being fully met, these accounts remain inaccurately reported on my credit profile. 

I am requesting the following actions : XXXX. An immediate investigation into XXXX XXXX XXXX XXXX XXXX reporting practices concerning my accounts. 


XXXX. Correction and removal of the inaccurate charge-off statuses from all three of my credit reports. 


XXXX. Written confirmation that these matters have been fully resolved, along with supporting documentation for my records. 



Please consider this letter a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request a prompt response and resolution to this issue.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my consumer report and informed your agency XXXX XXXX, XXXX several disputed items. However, despite this notification, the issue remains unresolved in a manner that is fair and equitable to me, as required by the Fair Credit Reporting Act ( FCRA ). Your agency has clearly refused to follow the law and honor my previous request. Therefore, I am requesting a reinvestigation and demanding that your agency explain your METHOD OF VERIFICATION in verifying these items, pursuant to 15 USC 1681i ( 7 ).

I have suffered emotional distress as a direct result of this matter, and I demand that this be resolved equitably, which has yet to be done.
Product: Credit reporting

The same debt is and has been reporting XXXX on my credit report. The original creditor is XXXX XXXX XXXX XXXX XXXX and the duplicated account is XXXX XXXX XXXX which was opened on XXXX 2014 for the same amount. Please see the attached credit report provided by my mortgage lender. This single debt should not be reporting twice and is in violation of the FCRA.
Product: Debt collection

I XXXX XXXX am a living breathing man created by God. I hereby in Good Faith am pursuing my right to 15 U.S.C 1635 A ( f ) to Rescind this transaction with XXXX XXXX Acct # XXXX. Amongst the several violations found within this transaction I was not disclosed my right to rescind which is an obligation required under this section together with the statement containing the material disclosures required under the sub chapter. XXXXheyre also obligated to clearly and conspicuously disclose this information in which they have failed to do so. I am rescinding this transaction as I have been deceived and manipulated into making payments even though the Finance Charge in pursuant to 15 U.S.C 1605 clearly states that A Finance Charge is the sum of ALL charges which also includes the insurance. They deceived me and made me purchase an outside third party insurance as well which is included in the XXXXinance Charge with interest. More proof that I was mislead and misinformed. Im exercising my God given rights and my right to rescind this fraudulent contract as there are many violations within the Truth-In-Lending disclosure ( TILA ) and Fair Credit Reporting Act ( FCRA ) as Ive never given anyone permissible purpose to furnish any of this information being reported on my Consumer Report.
Product: Credit reporting or other personal consumer reports

Tonight, I was deeply disturbed to see that incorrect accounts are now on my credit report, and I dont understand how they got there. I routinely review my credit report, but this time, unexpected errors were glaring back at me. I tried refreshing the page, thinking it might be a tech issue, but the accounts stayed put. To resolve this, I need my documents reviewed in detail to ensure I dont have to worry about this again.
Product: Money transfer, virtual currency, or money service

I could never get ahold of an actual customer service representative to facilitate any issues I've had with the app
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

One unauthorized transaction of {$500.00} and another unauthorized transaction of {$300.00} from Unknown XXXX user on XX/XX/2023 from Wells Fargo account both unauthorized transactions. I filed a fraud claim for unauthorized transactions to Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I sent a letter to XXXX and XXXX to validate an alleged collection account. I did not receive a response. I then sent XXXX and Experian a validation of debt letter in XX/XX/2022. I did not receive a response from either, but they both updated the comments with it showing dispute resolved.