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

The credit bureau has placed a FRAUD ALERT, SECURITY FREEZE and/or EXTENDED SECURITY FREEZE/FRAUD ALERT on my credit file. I do not want a security freeze, fraud alert or extended fraud alert/security freeze on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHASE CARD Show Details XXXX XX/XX/XXXX {$2500.00} XX/XX/XXXX {$2500.00} CHARGE-OFF {$2000.00} XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX {$2700.00} XX/XX/XXXX {$2700.00} CHARGE-OFF Show Details XXXX XX/XX/XXXX {$110.00} XX/XX/XXXX {$110.00} CHARGE-OFF {$500.00} XXXX XXXX
Product: Debt collection

The following company sent the Credit Bureaus derogatory marks and said I had alleged Debt. Once investigated and sent a copy of the application by XXXX after several disputes. On the application ( 1 ) I noticed the person did not sign my name, ( 2 ) The attempt to sign my name does not have the letters in my name ( 3 ) The wrong address. I have attached a copy of this page. This was not legal or verified thoroughly. Please remove from my credit the following company below. 

XXXX  Account # XXXX CFPB Write up In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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 15 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 reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX submitting yet another CFPB Complaint to request that the Credit Bureaus update the disputed acounts reporting erroneous information on my Credit File! The Credit Bureuas are required to correct the disputed accounts under the provisions of the Fair Credit reporting Act. I took my time and carefully analyzed my Credit File and realized that despite the countless Dispute letters as well as CFPB complaints submitted, the Credit Bureaus have not corrected my Crediet File at all! I am submitting this CFPB complaint to request that the Credit Bureaus remove the late payment s from the payment history of the disputed accounts. I always make my payments on time I never missed a payment! Please correct the following accounts on my Credit File : XXXX XXXXXXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$680.00} XXXX XXXXXXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$2000.00} XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$20000.00}
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

These accounts have violated my rights ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

Good afternoon! I would like to ask you please for your support in relation to a loan for vehicles with Honda Finance Services which last installment XXXX was already paid on XX/XX/XXXX. According to the contract ( account XXXX ) for a Honda XXXX XXXX, XXXX installments were established for the amount of XXXX, XXXX each. I have certain doubts because when I call to request explanations about a remaining balance of XXXX after did last pay, they told me that XXXX extensions are due, which were granted by them due to Hurricane Irma and XXXX XXXX. The fact is that I have requested the calculation of detailed interest accrued because it seems unusual to me and I consider the amount of XXXX so high and they only tell me that this is the balance of interest and to refer me to the contract. I see with concern that these extensions were promoted by them supposedly to support at critical moments and it turned out that the interest now is that they come to be informed and without detail. I see with concern being forced to pay the balance without any detail which was not offered either before the extension or after but now at the end for the closing of the credit I find myself with this surprise and that when I request the detail I am only given the full amount of interest. I would like help with this to obtain details and be sure that the debt is fair and what options are available to dispute such a high amount of interest and the way it is arrived. The concern is extended due to the fact that by not paying this balance due to doubts in relation to the amount, it will also continue to generate more interest, making the credit even more expensive. Thank you!
Product: Money transfer, virtual currency, or money service

I purchased an XXXX from a seller over the internet on XX/XX/18. I sent two transactions for {$300.00} and {$250.00} for a total of {$550.00} ( which was the cost of the phone ) via the banking app XXXX. I received a confirmation invoice but then the seller blocked my number and instagram and I am unable to contact them. I attempted to request {$550.00} back from them through the XXXX app but was told by Chase that they declined the payment. I was convinced that the transaction would be backed by my bank since it was linked to my Chase account. The seller did not respond to my texts or calls and has not issued a refund for the amount. I have not received the product and know this was a scam. I contacted Chase and they informed me they couldn't do anything because I initiated a transaction. They would not cancel the payment or put a stop on it. I tried contacting XXXX but was unable to get through to their customer service department. I think it is unfair that XXXX isn't backed by the Chase Bank even though we are able to send transactions straight from the app. 

I have attached the confirmations I received from the seller and the invoice. I also attached the email that was sent to me by Chase.
Product: Credit reporting or other personal consumer reports

am writing to request the removal of unauthorized credit inquiries on my credit report. My latest credit report shows credit inquiries that I did not authorize. I am writing to dispute the following inquiries and ask for their removal from my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/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 XXXXXX/XX/XXXX Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I was trying to buy a house and I realized I had damages on my credit report. According to the 15 U.S.C 1681 law, there should not be anything damages on your report. Its a defamation to my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX XXXX  and the subsequent response received on XXXX XXXX XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2010 with a credit limit of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Dear MACYS/CITIBANK, N.A. ; I was shocked when I reviewed my credit report and found late payments on the dates below : XX/XX/XXXX and XX/XX/XXXX ; 30 days late? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly XXXX, and being hospitalized with COVID, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

i asked the company to pick up the vehicle and didn't want the car they refused to pick the car up they are still reporting on my credit file about late payments I didn't give them consent to share my information either and it's not in the contract either that I signed, and they are bringing my score down. ( XXXX XXXX )
Product: Credit reporting or other personal consumer reports

The following accounts do not belong to me. I've tried so many times to get these things removed from my credit report. They report inaccurate and incorrect information and it's illegal they should not report it on my credit report. 

XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX CREDIT CARD INQUIRIES : 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 year XXXX in negotiating with Capital One credit card company the agreement was that if my debt is paid in full, there would be a paid for a debt deletion/removal from my credit report. Im writing because I noticed that my most recent credit reports contain both the two credit card charge off reported in XX/XX/XXXX. 
Account numbers ( last XXXX digits ) : # XXXX & # XXXX both read " Charge Off -- Paid {$0.00} Balance '', they were never removed as promised. I called Capital Once credit card dept. and the lady said it would be removed in XX/XX/XXXX, but its now XX/XX/XXXX and its still on my credit report. 

My deal with Capital One was paid for debt deletion off my credit report and update report this with all 3 credit bureaus. - Im planning to apply for an auto loan, and its come to my attention that the charge off accounts on my record could hurt my ability to qualify even if at {$0.00} balance. Me and my family need a reliable family vehicle for me to go to work and for my kids to go to school. 
Capital One need to do right by the paid for deletion report to the credit bureaus. Please help me. 
Attachment - regarding my account both paid in full on both credit card debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX I had an auto loan. In XXXX I paid it off. During that time I was several times late with payments ( 30 days ). My first delinquency was in XX/XX/XXXX, then XX/XX/XXXX, in XX/XX/XXXX and then XX/XX/XXXX. I have a credit reports dated beginning of this year ( XXXX ) proving this information. In XXXX I called credit bereaus with a request to remove this account from my report because it's been 7 years from my first delinquency. The answer was - your first delinquency was in XX/XX/XXXX, so you have to call in XXXX and we'll remove it. So, I called 2 days ago, on XX/XX/XXXX ... and now I was told that my First delinquency was in XX/XX/XXXX and now I need to call them back in XXXX .... So I requested a new credit reports from all 3 bureaus and those report now showing a different data from for e.g. XXXX reports. So, instead of removing account, they just changing Late payments to in-time payments, 1 by 1. Month by Month. I disputed this account 10+ and every time a hear a new excuse why they don't remove it. I'll attach a copy of reports for that account.
Product: Credit card

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE I urgently request the prompt removal of these unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize them. Please rectify this immediately.
Product: Credit reporting or other personal consumer reports

My ( XXXX ) previous complaints have not been handled or just ignored by Experian. I have verified with the individual creditors that my complaints are valid, yet Experian has done nothing to correct the issues. 

Previous CFPB complaints filed are numbers : XXXX & XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Money transfer, virtual currency, or money service

I ordered XXXX cashiers checks on XXXX XX/XX/XXXX. Despite using my account login, filling out all relevant information as required, and requesting my checks be delivered to the same address that is on file as my primary residence with Wells Fargo, the bank required more information by phone call ; this seems to be a standard practice, Wells Fargo does not mention it as a required step on the process. 

After speaking with a Wells Fargo representative on XXXX XX/XX/XXXX, I resubmitted my request for the XXXX checks. On XXXX XX/XX/XXXX I received XXXX emails each asking me to call to provide additional information and providing a phone number and ordeXXXX XXXX  I called, provided the additional information ( that it was actually me who requested the checks ) and was told the checks had been processed. I received no notification via email as Wells Fargo says I would. After no notification from Wells Fargo and with the relevant funds still being in my account rather than being withdrawn by Wells Fargo to cover the checks, I called Wells Fargo back via the number provided by email to ask what was going on. I was told the checks had been not been processed. Additionally, despite calling at approximate XXXX XXXX  on a Wednesday ( within normal business hours for Wells Fargo XXXX the United States XXXX XXXX XXXX all those who would be able to process my checks had left for the day, extending the issue at minimum XXXX additional business day. The payment theses checks are for will now be at least 11 days late. 

Wells Fargo is not clear about its process, and has made numerous additional errors during processing to exacerbate the issue. XXXX business days after I first requested the cashier checks, the issue is not resolved.
Product: Credit card

I have a Wells Fargo Furnishings credit card that I used to purchase furniture from XXXX in XX/XX/year>. I purchased a bed frame, dresser and mattress. The mattress was on a 60 month 0 % APR promo. The bed frame and dresser were on a 12 months 0 % APR. These items werent delivered until XXXX which is when the payments began. I was advised by XXXX to make the minimum payment shown online to avoid being charged interest. This is what I did. This is what I have been doing for over a year. I planned to go purchase more furniture from XXXX yesterday and logged into my Wells Fargo account to check my credit availability and saw I was charged {$460.00} in interest on XX/XX/XXXX. I was blindsided by this because Ive been paying what the app tells me to. I called WF yesterday and spoke with an agent who told me that because the balance for the dresser and frame werent paid in full within 12 months, interest was charged on the ENTIRE balance from the purchase date, including for the mattress I still have 48 months 0 % APR on! How is this legal? How can you charge interest on an item that is still interest free for 48 months? If I owe interest on the dresser and bed frame because I was given incorrect information on what amount to pay, then I will pay it even though I dont agree with it. But the interest should ONLY be for the two items that the 0 % APR promo has expired on. The agent said he agreed with me but didnt have the authority to remove the charge so I spoke with the next level of support, I have no idea if this was a supervisor. I explained the situation again and this man just would not even remotely attempt to help. He advised that XXXX passes the information on to the customer the way they understand it and he couldnt help if they told me incorrectly on the amount to pay. He advised that legally they have to provide a minimum payment amount but it doesnt always align with 0 % APR promos even though XXXX told me to make the minimum payment. He advised they make every effort to let the customer know their promo is ending by putting it on the statements. I told him I do not receive a statement. I dont receive one in the mail or via email. He told me repeatedly that I do receive paperless statements THEN later advised that actually, I dont receive paperless statements, WF offers a courtesy notification that the statement is ready online. So if their courtesy notification doesnt go through, youre just screwed. He said he could not assist with the interest charge but this feels like it should be illegal. Again, how can you charge interest on an item that still has 48 months 0 % interest on it? This needs to be edited to charge interest on ONLY the two items that the 12 month promo ended.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been reporting about some accounts appear to be old and inactive longer than 7 years on my credit file. This goes against the Fair Credit Reporting Act. The dates are wrong & may be manipulated in order to keep on my file longer which is illegal. 
I am disputing the following credit entries by : XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX ( incorrect data and many years old ), XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX ( many duplicate accounts ), XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX was paid in full and XXXX XXXX XXXX was an account agreed to be removed many years ago and now its back on my credit file under a different name.

Please remove any information including inquiries regarding the inaccuracy mentioned above. Please review all of my supporting documents including letters to XXXX XXXX XXXX since the debt that they claimed I owed so long ago was false and now under a different name XXXX XXXX XXXX  with a new starting year. I do not owe this debt. XXXX XXXX XXXX has removed this info at one time. I previous settlement was made in a payment out of frustration. The creditor at the time agreed the balance was settled but the remaining balance was transferred to XXXX XXXX and now transferred again to XXXX XXXX XXXX or XXXX. It was also transferred over to XXXX XXXX XXXX, XXXX, and XXXX XXXX  at one point many years ago. All of the creditors have been in violation in accordance of the Fair Debt Collection Practices Act and have been corrected 8 years ago. These false accounts have denied me recent credit and loans.
Product: Credit card

I am the XXXX XXXX of XXXX XXXX XXXX XXXX we use Goldman Sachs Bank business credit card recently I contacted the bank to update my mailing address, the bank asked for Articles of Incorporation papers showing the current mailing address for the business, I then contacted New Jersey Department of Revenue to make the appropriate changes. The Revenue Department confirmed that the Mailing address of XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX is the same address they have on file. I have asked for an updated formation paper detailing the Business Information to satisfy the bank 's request to update their records. It should be noted that each month the bank charged the company and additional {$40.00} in late fees that accumulated over {$200.00} in fees
Product: Debt collection

On XX/XX/year> after seeing I had a collection account on my credit report that I was never notified about I requested debt validation to include the following If you have good reason to believe that I am responsible for this debt, mail me the documents showing my responsibility, including but not limited to : A signed contract proving this debt belongs to me A last statement or bill proving how much I owe Proof of the last action taken on the account And proof that you are licensed in Florida to pursue this debt. 
On XX/XX/year> I received two letters, one dated XX/XX/year> stating they were conducting an investigation and second letter dated XX/XX/year> stating they thoroughly investigated this debt and they could not find evidence to support my allegations. They did not provide any sort of documentation that would verify this is even mine. The company attempts to skirt around the law and not provide documentation that is required when requested.