23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$29000.00} ; XXXX  XXXX Balance : {$15000.00} ; XXXX  XXXX Balance : {$2800.00} ; XXXX  XXXX Balance : {$12000.00} ; XXXX  XXXX Balance : {$17000.00} ; XXXX  XXXX Balance : {$17000.00} ; XXXX  XXXX Balance : {$11000.00}.
Product: Credit reporting or other personal consumer reports

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you
Product: Credit reporting or other personal consumer reports

update my information XXXX Wells Fargo case XXXX account number ending XXXX and XXXX XXXX XXXX  loan number ; XXXX note amount XXXX deed of trust transfer to XXXX XXXX XXXX I also contacted records and they didn't help
Product: Mortgage

Chase has a mortgage on our florida condo. 
We have not been able to get a REFI! 
the Chase underwriters claim it is a " condo-hotel '' It is NOT and was NOT ever documented by the FL. deptas one. But we are stuck with a higher interset rate
Product: Vehicle loan or lease

Company in violations of consumer protection laws : Including fraudulent finance charges which were sold to Bridgcare Acceptance  from XXXX Truth in Lending Act ( TILA ) : This federal law requires creditors to make certain written disclosures concerning finance charges and related aspects of credit transactions and comply with other mandates 2.Fair Credit Reporting Act ( FCRA ) : This federal law regulates the collection, dissemination, and use of consumer credit information 3.Fair Debt Collection Practices Act ( FDCPA ) : This federal law prohibits debt collectors from using abusive, unfair, or deceptive practices when collecting debts 4.Consumer Financial Protection Act ( CFPA ) : This federal law prohibits unfair, deceptive, or abusive acts or practices by financial institutions.
Product: Student loan

I agreed to pay XXXX XXXX of XXXX to complete my documentation for student loan forgiveness. They agreed to prepare the necessary documentation and continue to prepare the documentation for 3 years. The cost would be about {$1300.00} with {$50.00} per month payments. Apparently, they use a third party finance company called XXXX XXXX, which I thought were the same company but turns out they just buy the note from XXXX XXXX. XXXX XXXX XXXX is no longer in business and have not completed my paperwork for the loan forgiveness program. XXXX XXXX wants me to continue paying them for a service I am no longer receiving. This is a scam and they are defrauding people.
Product: Credit card or prepaid card

On XX/XX/XXXX of this year I seen advertisement on XXXX for a Signature Rewards Chase Visa card. The advertisement says upon approval, the credit card would automatically be placed in my XXXX wallet and I would given a {$50.00} gift card from XXXX. I applied and was immediately approved but XXXX never gave the {$50.00} gift card to me. I called XXXX customer service, only to be told I dont get the gift card until after I get the card in the mail and link it to my account myself. I told the representative that this is not what it says on the XXXX website and that the offer details also says the gift card is issued upon approval, not when the card comes. Rep told me he would call chase and verify that I was approved and then apply gift card balance. After holding for 30 minutes, I was greeted by a chase representative that didnt know anything about my situation and rep was no longer on the phone. So I had and call again. After bringing rep up to speed on my issue, rep just cold transfers me to chase customer service. I placed 4 more calls to XXXX customer service before I just gave up due to getting the same result. Its is now XX/XX/XXXX and the credit card never came. I called chase and they said the card my have gotten lost in the mail, issued me a new card and expedited deliver however no resolution from XXXX.
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 NUMBER : 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 : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 CREDIT BUREAU 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, 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX XX/XX/year> Experian Information Services XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I am writing to dispute an inaccurate late payment that appears on my credit report. According to 15 U.S.C. 1681c ( a ), outdated or inaccurate information should not be included in a consumers credit report beyond the legally permitted time frame. The late payment reported is either incorrect or outside the reporting period allowed by law. Therefore, I respectfully request that this information be removed from my credit report. 

Here is the relevant section of the law for your reference : 15 U.S.C. 1681c ( a ) : This law specifies the time limits for reporting negative information, such as late payments, and requires credit reporting agencies to exclude outdated information beyond the period defined by federal law. 
In addition, the presence of this incorrect information also violates other consumer protection laws, including : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

These inaccuracies can have a significant negative impact on my credit score and overall financial standing. I kindly request that Experian take immediate action to investigate and remove this late payment from my credit report. 

To support my request, I have attached copies of my identification and proof of address. Once the correction has been made, please send me a copy of my updated credit report reflecting the removal of the inaccurate information. 

Thank you for your prompt attention and assistance in resolving this matter. 

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

I recently filed a report with XXXX XXXX and XXXX  of inaccurate items being reported on my credit reports. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Product: Debt collection

I am requesting debt validation, I have no knowledge or contract agreement, nor provided anyone permissions to share personal information with NCA, I am requesting wet signature and proper verification of this debt. This debt is violating my consumer rights.
Product: Checking or savings account

I purchased gas at XXXX in XXXX, Florida for a total of {$8.00}, on XX/XX/year>. XXXX placed a {$75.00} preauthorized hold on my XXXX XXXX card. The transaction is showing as pending as of today XX/XX/year>. On XX/XX/XXXX, I called XXXX to inquiry as to why the transaction is still pending the {$75.00} preauthorization amount? XXXX representative said I needed to contact the merchant. I place a called to XXXX customer engagement, and the per said it usually takes XXXX business days to post, and if it didn't post by the end of the business day, to call back tomorrow and they will give me the approval code to give to the bank. He went further to say that the bank is who places the preauthorization hold. 
I called back XXXX  customer engagement today a I was instructed yesterday, and I was ultimately told the same thing, they also gave me the approval code to give to XXXX, as only XXXX can remove the preauthorization hold on my account. When I reached out to XXXX with the approval code for the transaction, the XXXX for XXXX stated they don't remove hold even with approval code. He also stated I needed to wait until the transaction post, with " might be on Friday, XX/XX/XXXX. '' The next thing I know the phone call got disconnected. 
This is unacceptable especially with todays technology. It took XXXX seconds to place the {$75.00} authorization hold on my account, but it is taking them over a week to release my funds.
Product: Credit reporting or other personal consumer reports

I had an auto loan with Wells Fargo for a vehicle that was involved in an accident in XXXX  and declared totaled. The insurance payout was used to completely pay off the outstanding balance on the loan. Despite this, my credit report reflects negative information regarding this account, which should not be the case since the loan was paid off following the total loss of the vehicle. 

Relevant Dates and Amounts : Date of Incident : XXXX  Insurance Payout and Loan Payoff Date : XXXX  Original Loan Amount : {$12000.00} Insurance Payout Amount : Approximately {$6000.00} - {$7000.00} Actions Taken : After the vehicle was totaled in XXXX, I filed a claim with my insurance company, which they processed successfully. 
The insurance company issued a payment directly to Wells Fargo, which was applied to the outstanding loan balance, effectively paying it off. 
Despite this, Wells Fargo has reported negative information to the credit bureaus, indicating a derogatory status on this account, which should not occur given the circumstances.
Product: Debt collection

Disputed the amount of a telecommution debt and requested proof of ownership.
Product: Checking or savings account

My name is XXXX XXXX. I am a small business owner. I opened my own XXXX XXXX XXXX XXXX XXXX, XXXX this year. We were ecstatic that we were able to accomplish this and wanted to do banking with our current bank that we have been with since XXXX. Chase Bank made today one of our worst days. After being paid on two home sales we just closed one at XXXX XXXX XXXX {$10000.00} and the other was for XXXX XXXX XXXX XXXX {$10000.00} was wired to our new business account. My husband transferred {$9000.00} to our personal account as payment from our business. He did that twice as we closed two files. After the second {$9000.00} transfer request was declined we received a text message letting us know to contact our bank regarding our account. Once my husband called Chase Bank they stated they closed our business account. We were shocked to hear this and asked for a reason. Chase stated they have decided they were no longer doing business with us but could not provide a reason. The customer service representative told us we should stop by a branch to try and correct the matter and collect our funds. Once we were at Chase Bank we received an email stating there were restrictions placed on our personal account as well. We have been in the same line and of business since XXXX and have always been paid this way. Once we were at the branch in XXXX XXXX. We were informed that all of our accounts were being closed including our childrens accounts were closed. They provided us with no access to any of our money and stated we would receive a check after 10 business days. We explained that Chase was our only bank and we have absolutely no access to any other funds. Our family of XXXX is now without any money due to this closure. We have bills to pay including personal and business. We have no access to get food, diapers or other necessities for our XXXX children. I am deeply saddened that this has occurred. I am mad that I have no control over a decision that was made by a person not caring about my familys livelihood. Your company is terrible to treat their clients this way. If I handled my business like this I wouldn't have one.
Product: Payday loan, title loan, or personal loan

I originally got a loan for {$300.00} and the payment plans was the following : Payment Schedule : 1 {$100.00} XX/XX/XXXX 2 {$100.00} XX/XX/XXXX 3 {$100.00} XX/XX/XXXX 4 {$100.00} XX/XX/XXXX 5 {$100.00} XX/XX/XXXX 6 {$100.00} XX/XX/XXXX Then I had a medical emergency and I contacted them and we agreed on a new pay back loan structure below, yet they keep claiming I owe them more money. The loan keeps increasing even when they gave me the new payment plan below. They claim on now owe them {$860.00}. My loan never goes down, it just keeps getting higher and I can't afford to keep paying this. I am on XXXX and I only get {$1200.00} a month. I will never have this loan paid off. How can they give me a loan payment plan and then lie about it. I should only have two payments left, but I will be dead before this is ever paid off at the rate they are going. I should only have 2 payments left if you go by their last communication with me. 

Dear XXXX, Your payment plan is detailed below. Please ensure funds are available for payment to process according to the due dates you requested. 

Payment Date : XX/XX/XXXX Payment Amount : {$50.00} Payment Date : XX/XX/XXXX Payment Amount : {$50.00} Payment Date : XX/XX/XXXX Payment Amount : {$50.00} Payment Date : XX/XX/XXXX Payment Amount : {$50.00} Payment Date : XX/XX/XXXX Payment Amount : {$50.00} Payment Date : XX/XX/XXXX Payment Amount : {$50.00} Payment Date : XX/XX/XXXX Payment Amount : {$50.00} Payment Date : XX/XX/XXXX Payment Amount : {$50.00} Payment Date : XX/XX/XXXX Payment Amount : {$50.00} Payment Date : XX/XX/XXXX Payment Amount : {$50.00} Payment Date : XX/XX/XXXX Payment Amount : {$50.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt collector XXXX XXXX XXXX unable to provide supporting evidence and Ive attached a document that verify that information.
Product: Checking or savings account

PayPal charged my account inXX/XX/2018 and I've never done business nor had I had an account with them. I contacted them but they say they can't do anything without the card number which I reported as stolen and I no longer have access to it. I tried to give them the transaction details, dates, amounts, account number and they did nothing. They didn't even send a letter acknowledging the situation. I demand an immediate refund to my checking account or via check immediate or I'll take legal action via trial by jury. This is absolutely repulsive.
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. 

Account Name : Untitled Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : Untitled Account Number : XXXX has violated my rights. Or list of inquiries 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: Credit reporting 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. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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: Debt collection

This was a medical bill that the insurance has paid and I have already notified them of my insurance information and as per hippa the original holder can not sell this information to an outside company. This is also my wifes not mine. XX/XX/2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX ACCT # 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
Product: Credit reporting or other personal consumer reports

Going over my monthly consumer report I've noticed that Equifax is reporting multiple accounts that's inaccurate and reporting unlawfully. They are reporting accounts that are not verified nor have my consent to report. I have a right to privacy in which this account never had permission form me which violates that right. I ask that Equifax thoroughly investigate these account to ensure all accuracy. There are no agreement between me and any of the companies reporting so how can there be a debt if there was never a balance agreed to be paid? where's the authorized signature from me? If Equifax continues to report these accounts knowing they're not verifiable then that's another violation against my rights on their end. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, I demand that these accounts be removed if you can not provide to me any signed agreements between me and the creditor reporting these accounts with my permission to report these accounts.

Violations committed by Equifax and the creditors : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information
Product: Credit reporting or other personal consumer reports

recently obtained a copy of my credit report and discovered several accounts listed in collections that do not belong to me. To address this issue, I promptly sent a written dispute letter to the consumer reporting agency requesting them to validate the accounts in question. Despite my adherence to the proper dispute process and the Fair Credit Reporting Act ( FCRA ), the consumer reporting agency failed to respond within the 30-day period required by law.

The presence of these erroneous collection accounts on my credit report has significantly impacted my credit score and has caused undue stress and potential financial harm. As a consumer, I am entitled to accurate information on my credit report and prompt resolution of disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Child Support XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

Open and closed dates were tampered with.Last date of default was changed.
Product: Credit reporting or other personal consumer reports

I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental XXXX. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the FTC report. If this situation is not handled accordingly, I will seek legal action against you guys.
Product: Checking or savings account

Optum bank holds my HSA funds. My employer 's benefits provider selected this bank. Optum offered an option to set up a XXXX XXXX account and link it to the Optum HSA account. This was found under Optum 's portal. I followed the steps to set up the XXXX account however when I came back to Optum a few days later they stated that they were just kidding about the XXXX account and I can not transfer my fund over to XXXX for investment. They only allow their own mutual plans. My issue is that this is not what was advertised. 

I contacted Optum via email on XX/XX/23 and again by phone XX/XX/23. The later person was rude, interrupting me, and placing the call abruptly on hold for several minutes. I've contacted my employer 's benefits provider but unfortunately there are no other HSA banking options other than Optum