23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have spoken to T-Mobile and 3 different collection companies regarding a bill that was use without my knowledge from my ex-husband. T-Mobile has dropped and went to several collections ' companies regarding this matter. Phone calls are documented within the company that have proven this account was Soley used without my knowledge. This burden has not only been stressful, but it is causing me to be in a situation where I will not be able to purchase my home which could cause me and my children to be homeless.
Product: Credit reporting or other personal consumer reports

Good day! I am asking requesting for your assistance help regarding with this wrong information on my credit report. Under the provisions of the FCRA 15 USC Section 1681i, please reinvestigate and delete the disputed items below. 

XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response about the written requests I sent to TRANSUNION. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXXXXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry XXXX XXXX ; XXXX Inquiry Date XX/XX/XXXX ;
Product: Credit reporting or other personal consumer reports

I received a copy of my credit reports and am writing to dispute the following information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX transunion XXXX XXXX XXXX XXXX XXXX {$4800.00} Date Opened XXXX  XXXX, XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX Balance {$3800.00} Date Opened XX/XX/XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX date opened XX/XX/XXXX {$720.00} I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX date opened XX/XX/XXXX {$18000.00} I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

sunrise bank self lender date opened XX/XX/XXXX balance XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

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

I hired XXXX XXXX XXXX to handle discrepancies within my credit report. Navy Federal was removed XX/XX/XXXX, however, they have since then continued to report. This is causing my inability to acquire credit, and to purchase My Home. Ive asked them myself to please stop reporting, and they sent an email asking me specifically the account number, in which I no longer have because I dont have an account with them, and that they have no idea what Im talking about. But I received a letter from them in XXXX stating that all of the information was accurate, when they provided no amount, no date, and definitely no account number. I paid this company off in XXXX, and they continue to report even when its been removed. So I assume when they see that its been removed, they take it upon selves to re-add it to my credit report, which is bullying, and not fair to myself as the consumer. I have attached the email that was sent from XXXX back in XXXX letting me know that this has been removed from my credit report.
Product: Checking or savings account

{$100.00} of Federally Funded Public Assistance funds is in my checking account at Capital One 360 since XX/XX/23 Pusuant to Equal Credit Opportunity ACT and Consumer Credit Protection ACT I am being Discriminated against based on my Race and Public Assistance derived Income I am being Prevented from withdrawing and or Utilizing my funds for Months After company contact no legal explanation has been given PURSUANT to forementioned Protective Acts
Product: Payday loan, title loan, or personal loan

XX/XX/2023 GRAIN TECHNO XXXX XXXX Account XXXX XXXX Account XXXX Customer noted that that his credit limit was decreased even through the account was current and has never had a late payment. 

This is a fraudulent action and needs to be handled immediately.
Product: Vehicle loan or lease

My husband and I have only been with Westlake Financial services for a short time now but the problems we have encountered are beyond belief. My husband and I are military and due to this we both have POA 's over each other. I have sent in the requested POA 4 times and they can never understand how to read it or how to notate it in their system, it was supposedly approved by 2 managers ( XXXX XXXX and XXXX XXXX ) yet they also failed to notate it in the system. My husband also sent in two letters authorizing me on the account that Westlake said would help them yet every time we call there are no notes in the system under our account. Me and my husband decided that due to the numerous problems we encountered we would refinance through a different bank and therefore received a pay off check that we promptly sent Westlake in the mail. We put a tracking number on it as well as requested that the company had to sign for it in order to receive it so that we could see exactly when they received it from our side ( due to lack of ability to be honest with us in the first place and lack of ability to notate when things are properly received ). They received the check on the XX/XX/XXXX and when I requested to know when it would be posted Westlake stated that it would post in 24-48 hrs. Soon I called back because it did not post in the time stated I was than told by a different representative that it would take 3-4 days instead. I than asked to speak with a manager in which I was informed that the manager was unavailable. I asked for a callback and never received one so I than sent in an email and never heard a response there either. I than called back because 4 days had passed and no check was posted. I than was finally transferred to another supervisor that I had not spoken to before. This individual ( XXXX XXXX ) had assured me that the check would post by today or tomorrow ( Thursday or Friday at the time ). I than waited over the weekend until Tuesday in which no check had been posted STILL!!! I called back and was transferred around numerous times with still no answer! I was than hung up on twice in the process. This is a full pay off check and the way this company handles business and client relations is horrible! I have documented every conversation with this company, when I have called, why I have called, Who I spoke with every time! I am in need of answers and am not pleased with the lack of professionalism!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX, ACCOUNT # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, Account # XXXX XXXX, ACCOUNT # 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.
Product: Credit reporting or other personal consumer reports

I disputed the inquiries on my credit profile and XXXX keeps coming back saying they are accurate which they are not. I wonder why these credit companies don't follow the rules and take it off. I want this removed.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and found several billing mistakes. These late payments are inconsistent with my usual payment history.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I froze my credit file in XX/XX/XXXX with all 3 of the major credit reporting agencies when Equifax had a data breach.Both XXXX  and XXXX sent me a letter with a pin number to release the freeze, if necessary. Equifax did not. 

On XX/XX/XXXX, I sent a letter, along with identification, to Equifax requesting the pin number. They have not responded. 

Please get the Equifax to respond to my request.
Product: Money transfer, virtual currency, or money service

I would like to bring your attention to a serious issue I have with Coinbase wires that first took place on the XXXX of XX/XX/XXXX to a FRAUD SCAM Brokers : XXXX XXXX ( XXXX XXXX XXXX, XXXX ). 

I have been victimized by a multilayered scam operation orchestrated by XXXX XXXX ( XXXX XXXX XXXX, XXXX ). - the Scammers. 
The funds were transferred utilizing Coinbases services in the total amount of XXXX CAD! I would also like to point out that on the XXXX of XX/XX/XXXX - I filed a dispute with Coinbase.
Product: Credit reporting, credit repair services, or other personal consumer reports

in XX/XX/2020 i was effected by the Covid -19 pandemic and temporary lost track of my finance statement due to reconstructing my life with the lockdowns and job shut downs. 
i contacted XXXX/XXXX an informed them of my situation and they promised me that the late payment would be forgiven. i have never missed a payment with them since i had this account and i wrote a letter of goodwill to never miss a payment in the future.the issue with the late payment has never been corrected
Product: Credit reporting, credit repair services, or other personal consumer reports

AmerAssist is continuously calling me regarding a debt that my mother has with a    XXXX   XXXX   . I am power of attorney for my mother and signed no documents taking responsibility for any debt in my mother 's name.  AmerAssist  had made an inquiry on my personal credit report and has threatened to report this as an unpaid debt. I know they can not legally do this. But I simply do n't trust them. They have already lied to me advising me that as POA, I am responsible. I know this is n't true.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent several letters to TransUnion, XXXX, and XXXX requesting the removal of a Bankruptcy from my credit report or to provide proof from the court to verify the reporting accuracy. Most recently letters were sent certified on XX/XX/XXXX, XX/XX/XXXX as well as letters in XXXX. They falsely claims on my credit report that information received from the bankruptcy court was verified as accurate. I received a letter from the court clerk stating that the court does not report to third parties including credit bureaus. Credit Bureaus have failed to respond to my request for method of verification concurrently with the FCRA and allow me a current copy of my credit report.
Product: Credit card

I was solicited by Bank of America for a Mastercard XX/XX/XXXX. I applied for the card and was accepted. XX/XX/XXXX, I was solicited for a XXXX card, a XXXX card. Since this was my alma mater for both of my degrees, I applied for this credit card. 
I was rejected for this XXXX card, with the explanation given that " you have current or past delinquency on your account ( s ) with us and/or our affiliates. '' The subsequent paragraph stated that " This decision was based upon an assessment of your application, current economic trends and a copy of your credit report or reports. " I immediately wrote bank to BAC, certified mail with receipt, highlighting the following points:1. I pulled my current report and there were no current or past delinquencies on the report. 
2. I pointed out that they had just approved me for an account for {$2500.00} in the prior month, mentioning none of these reasons. 
3. I did point out that I did have delinquencies with MBNA in XX/XX/XXXX-XX/XX/XXXX, with the accounts being eventually settled based upon settlement offers. This information should not be included as a current reason, especially if it was n't being applied in a consistent manner. 
4. I stated that there denial seemed arbitrary and capricious, as they were not applying consistent methods of reviewing and making credit decisions. 

The response I received from them addressed none of my points, instead stating the cliche " unable to approve your request because you have sufficient utilization of your credit and you have sufficient balances on your revolving credit lines. " To add insult to injury, they did a hard pull on my credit, so that it shows XXXX hard inquiries ; XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX, further damaging the credit record even though the original application and the appeal were within 30-45 days of each other.
Product: Checking or savings account

Phone stole XX/XX/23, Chime account accessed and the following transactions done : XX/XX/23 {$60.00} XX/XX/23 {$200.00} XX/XX/23 {$500.00} XX/XX/23 {$150.00}. Police report filed and sent to Chime with disputes for fraudulent activity. Chime declined my disputes. Called and requested another dispute be filed and Chime declined again. Previously submitted complaint to cfpb and company still declined dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX reports shows a claim related to carpet damage at the XXXX apartment complex in XXXX, Texas in XXXX The claim is incorrect and the collection report was already removed from XXXX and XXXX reports. The credit ( XXXX XXXX ) never verified or validated the claim and continues to incorrectly and FRAUDULENTLY assert it.
Product: Credit card

I have a netspend card. It had a balance of XXXX. I signed up for a trader online with XXXX. It never appeared on the trader website, but went o a firm called XXXX XXXX, whom I tried to reach by email and phone with no luck. I think they are scammers. I contacted netspend, but I did n't have much luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX on XX/XX/XXXX about the credit bureau reporting high credit utilization on Equifax, XXXX and XXXX and was told the FCRA has contacted theses inaccurately reporting on my credit file. I want this escalated to get this from wrongfully reporting high utilization whi score. This is financially effecting me from moving and getting a new place to live. I don't know what else to do but file a legal action with federal court or the XXXX  against all parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my reports and noticed several unauthorized inquiries from several different companies. Ive tried disputing those inquiries with the bureau who just replies back with there valid and to contact companies. Ive tried contacting companies with no response. Also a few accounts reporting that Im aware of that bureaus just respond back with there valid but with no prof or actual validation. I have the right to report anything on my reports thats not suppose to be there n request to have deleted. Having these negative items posting on my reports does do much damage to my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to challenge the reporting and compliance on these accounts with -XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX   XXXX -XXXX XXXX XXXX XXXX -XXXX  XXXX XXXX XXXX These companies are reporting on my credit report with incorrect/missing info. 

More specifically, I am referencing the fact that you are reporting a incorrect account numbers There improper procedures are highly damaging to my credit report to my credit score. 
Please immediately delete this items.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XX/XX/year>
Product: Debt collection

I have sent multiple letters  to ENHANCED RECOVERY CORP in  regard to an collection on my account some letter have come back address not valid. by law if they have not sent any information to validate my debt then it should. be removed. I have no knowledge of this account nor do I have an actual contract with this company..       Under the Fair Credit Reportin g Act, 15 U.S.C. 1681g I have the ri ght to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under  Section 611 ( a ) ( 5 ) ( A ) ( i ).  By publishing these inaccurate and unverified items on my credit report and distributing them t o 3rd pa rties yo  u are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have   on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.   has an consumer I have the right to dispute any information on my credit report that In fact think is not valid at all.
Product: Checking or savings account

Chime locked my account in XXXX, 2023 and requested proof of where I had received the funds I had deposited into my Chime account. I provided the requested documentation to Chime but they refuse to accept it. The have now closed my account and refuse to return the approximately {$60000.00} in my account. They have simply confiscated my money and now they are not responding to my emails. 

I am hiring an attorney today but someone needs to shut down Chime. I am not the only account holder to have this problem. : I have recently moved to this address. My previous address was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX
Product: Credit card or prepaid card

Opened a new XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. Used it with no issues locally and on a trip to XXXX. Been making XXXX purchases using it all month. Today I tried to use it at Best Buy in my local market using Chip terminal and it declined. I opened the app suspecting a fraud alert and sure enough. They force you to call instead of validating through the apps 2FA style. Phone calls are poor security for social engineering but they choose to do it anyway. Rep places me on a 7 minute hold and then ASKS for a phone number to call back to validate. How would that validate anything if the caller provided it? They should call the number on the account only. So she calls and then " clears '' my account. Try again and it fails. At this point I use my XXXX card to complete the purchase because I can't keep going in circles. After I leave I call Citi back and they say its locked again... Wow. She then hangs up while investigating. Call back again and this time ask to be transferred to general CS and get XXXX. XXXX tries to help but says he can't help validate my account because my credit report is frozen. Well yes it is but there is ZERO need to hit my credit report to validate an account. I decline since he has literally all of my other validating info including card data, security phrase, and they can see I am calling from the number on the account. I ask to cancel and they say they will have to send me snail mail to validate my account to cancel. I want to cancel this card immediately and want my {$450.00} annual fee waived since it hasn't even been a month and they are dragging it out longer. This entire process is unacceptable from validation to usage on chip and pin. What if I was in XXXX? I'd be completely stranded!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied credit because I have a security freeze on my account with SageStream , LLC. I did not give this company permission to place a security freeze on my file. They have no documents proving that I have ever had contact with the company.