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

This is my 2nd attempt to get this matter resolved. I've submitted my previous letter to 3 credit bureaus. I have no clue what in the world the credit bureaus trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with by them. These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to delete the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items be removed from my report ASAP : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I started being garnished in XXXX of XXXX for a student loan. I was not advised of any collection activity for this account and didn't receive notice of garnishment until the day it was applied to my pay check ( via my  employer ). When reviewing the documents, I observed that the address of record was from a residence that I vacated more than a year prior. In XXXX of XXXX, I attempted to dispute the debt/garnishment via the company 's website and did not receive any type of response. I called the company on XX/XX/XXXX, and was advised by a representative that disputing the account was pointless and the only form of action that I could take to alleviate the garnishment was to file a hardship request, which would be reviewed and approved/denied by a judge after I provided receipts for all of my monthly expenses. It is my understanding that when a customer files a dispute, the debt collection agency is required to open the case and complete a thorough investigation. I was denied that right.
Product: Credit card or prepaid card

I FILED A DISPUTE WITH CITI BANK IN XX/XX/2019 REGARDING THE PURCHASE OF A MATTRESS IN THE AMOUNT OF {$1100.00}. I DISCUSSED THIS PROBLEM WITH CIITBANK BUT ANYWAY REVERSED THE CHARGES BACK ONTO MY CREIDT CARD EVEN THOUGH IT WAS NOT MY FAULT. I HAVE ATTEMPTED TO CONTACT CITIBANK SEVERAL TIMES BY PHONE, INTERNET AND MAIL, BUT DUE TO THE VIRUS THEY CLAIM RESPONSE IS DELAYED, BUT IN FACT THEY CAN NOT BE CONTACTED AT ALL. I ALSO FORWARDED A RETURN RECEIPT LETTER TO THEM AND I DO NOT WANT TO INCUR ADDITIONAL CHARGES FROM THIS MISTAKE. 

THE XXXX XXXX ( SLEEP HAPPENS ) FAILED TO DELIVER A MATTRESS TO ME ON TIME. RESULTING WITH NOTHING TO SLEEP ON I WAS FORCED TO BUY AN AIR MATTRESS THEN PURCHASE ANOTHER MATTRESS FROM A  DIFFERENT COMPANY ... THIS COST WAS OUT OF MY OWN POCKET EVEN THOUGH THE MATTRESS COMPANY WAS IN ERROR. 

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

Mailed Letter of Validation Certified Mail Requesting how was Chapter XXXX bankruptcy verified and by Who, When, Name and contact number Letter of Credit Reporting dated XX/XX/2020 received from USBC District of Maryland Office of the Clerk, indicating that the USBC doesn't report any information to the Credit Bureaus.

Requested as to how this public record was received and validated ( Credit Bureau respond ) Verified with no additional explanations or proof Requesting that Credit Bureau present proof of Validation through USBC or Third party If proof can not be presented ( Please remove negative public record from credit file effective immediately.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Accounts on Consumer Report I am writing to formally dispute the accuracy of XXXX accounts listed on my consumer report. I believe these accounts are incorrect and request their removal. The details of the accounts in question are as follows : XXXX. XXXX XXXX XXXXXXXX XXXX XXXXAccount # : XXXX / XXXX - Amount : {$520.00} XXXX. XXXX XXXX - XXXX # : XXXX / XXXX - Amount : {$140.00} I have reviewed my records and can confirm that I do not owe these amounts. 

In accordance with the Fair Credit Reporting Act, I request that you conduct a thorough investigation into these accounts. I would appreciate your prompt attention to this matter and a written confirmation of the results of your investigation. 

Thank you for your assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021, I have been dealing with someone using my information. From XXXX, XXXX, and now XXXX they open a credit card that now will hurt my credit. 
Please I need help, the phone number they keep using is XXXX. I live in Florida thats NOT my number. Please HELP, I suffer enough & this scam is not helping, I contacted the FBI. On this I need your help. Please. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

Additionally, rather than actually investigating items Experian has systematically and maliciously changed items on my credit report to cause my score to worsen. 

ACCOUNTS XXXX XXXX never late XXXX XXXX XXXX never late COLLECTIONS XXXX XXXX XXXX XXXX XXXX not mine
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple inaccuracies on my credit report and to bring to your attention the violations of my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. Despite submitting disputes to the three major credit bureaus ( Equifax, XXXX, and XXXX ) on XX/XX/XXXX, I have not received any responses. My name is incorrect and I believe someone may have tried to open accounts in my name. I have never went by the last name XXXX. 

In accordance with the Fair Credit Reporting Act ( FCRA ), the following accounts have reported inaccurate information, thereby violating 15 U.S.C. 1681s-2 ( a ) ( 1 ), which states that 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inaccurate accounts have significantly impacted my credit report, and I have not been afforded the resolution required by law. The lack of response from the credit bureaus further aggravates this violation. 

I am requesting the Consumer Financial Protection Bureau to investigate this matter promptly and ensure that these inaccuracies are corrected or removed from my credit report in compliance with the Fair Credit Reporting Act. 

Thank you for your attention to this urgent matter. I look forward to your prompt resolution of these violations.
Product: Mortgage

I am  XXXX   XXXX  military and have been trying to sell my home in a short sale due to permanent change of station orders. I also have a second mortgage on the home with  XXXX , and the first mortgage with Chase has   XXXX   XXXX    as the investor.     We have had to get the short sale approved  4 different times in order to close. This last time to try and get it closed, Chase  has told us that they are instituting new internal processes which add more quality control checks to the pipeline time that it takes for us to get the information that we need in order to sell our home and get out from underneath all of the debt that we have. We have escalated the review of the file with the investor,   XXXX   XXXX  , with the Military Escalation line with Chase, with the  Executive Office with Chase,  with as many managers as we could get a hold of, and an Assistant Vice President of the Short Sale Department.     We are asking the Consumer Financial Protection Bureau to come down hard  on Chase an d allow us to sell our home and move on with our lives. Thank you.
Product: Credit reporting or other personal consumer reports

There are several hard inquiries om my XXXX, Experian, and XXXX that I did not authorize. Every hard inquiry not linked to an active open account need to be DELETED immediately. A list of the hard inquiries should be shown in the credit bureau database. My credit matters and is important to me. 
Apply these laws : 15 USC 1681 ( N ), 15 USC 1681 C-2
Product: Checking or savings account

I have a Wells Fargo business account. Every month, sometimes multiple times per month, Wells Fargo will hold my deposits while they process multiple debits. After the debits cause my account to be overdrawn, Wells Fargo charges {$35.00} per transaction, then they will process my deposit. This is a recurring theme with this company. 

In addition to their fees, I am constantly paying returned item fees with XXXX because Wells Fargo returns my payroll debits.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/XXXX
Product: Consumer Loan

I financed a vehicle through American Honda Financial Services. I feel they are very discriminatory towards minorities my race XXXX. A XXXX supervisor that I spoke to would not provide me the opportunity to explain my situtaion and refused " I explained to her I felt like they were discriminatory via-phone conversation. I fell behind on XXXX payments due to my grand babies death and child 's burial expenses as I stated in several conversations. I also advised her I would provide documentation. Payments are due the XXXX of every month ; however my last payment was XX/XX/2016 and I was going to make a additional payment by XX/XX/2016. American Honda repo my vehicle before I could even discuss my account. A couple of weeks pass and I received a letter from XX/XX/2016 from your office in a settlement agreement. In which is how I feel with this company I will never use again as a minority I feel American Honda provides unfair practices towards minorities. Furthermore, I was able to pay off the loan. My bank contacted American Honda and was advised they would release the vehicle verbally. I also contacted American Honda and was advised the same thing. American Honda mentioned they would release the vehicle after a couple of days the tow company said they had not released vehicle so once again I contacted American Honda and they mentioned they needed the check in their office in order to release the vehicle. " My question why did n't they explain that to my bank and or me the first time we contacted American Honda. Now I accrued more fees with the towing company.
Product: Debt collection

On XX/XX/2018 I received a voice message from debt collector but on my phone their said case has been filed in XXXX County and other phone call to my wife and ex-wife both received calls over child custody case has been filed in XXXX County and to reference this case number when calling. I called number on XX/XX/2018 at XXXX in the XXXX. The person pickup and says my file has been locked and they needed information to unlock it and then proceed to say I owe Ace Cash Express I need to pay before they filed but on voice message they made threats and that person who called yesterday making the threats they did not know who they were I need to take care of this matter. The number called my cell unknown and the number on voice message was ( XXXX ) XXXX.
Product: Credit reporting

On my credit report showed debt owed that was not mine. I do n't think about checking my credit report since I keep up with what I spend or bills I have. So sad and very upset this has happened. Would not have known, but looking for a house and lender spotted it. Today i spoke with a representative about filing a complaint. She was extremely kind. Three hours later! So glad she was out there to help!! Now though it hurts the interest rate locked in we can get for the house. Be wise and and put checking your credit SCORE on your to do list!!! Most definitely.There are more steps to take in making this good. Hoping and praying they make it right!!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : When I made the decision to use my rights under FCRA, it was with the intent of ghting any inaccurate or incomplete information in my credit report. By doing so, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner that is compliant with federal law when they are negatively aecting me nancially because of their accuracy or completeness.This is just an allegation. There is no proof that I am delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your ndings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you can't just decide which rules apply to your organization, so I won't let anyone report any false claims. It is important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account, I demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company veried and validated these accounts/claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account.It 's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report.Please conrm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate.
Product: Credit reporting or other personal consumer reports

According to 15. U.S.C. 1692 C, theyve violated my rights by unlawful communications. Please remove this collection from my credit report. Thank you. The debt is not valid, nor did they validate or send me a copy of my original contract with them.
Product: Debt collection

Midland Funding XXXX sent me a letter on XX/XX/2022, threatening to send XXXX XXXX sheriffs or the local police to my house saying if I didnt pay {$2000.00} or set up a payment plan by XX/XX/2022 Midland Funding XXXX has also been soft pulling my credit report every month for 2 years starting on XX/XX/2022 to current according to my credit reports They have also harassed my parents, who live at a different address, have a different phone number and are not involved in this attempt.
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 {$300.00}, {$750.00}, {$750.00}, {$12000.00}, {$220.00}. 
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 and 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 ). 

-OPEN ACCOUNTS- 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$750.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$750.00} -This is not my account. 

-AUTO ACCOUNT- 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account. 


-COLLECTION ACCOUNT- 5. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a credit limit of {$220.00} -This is not my account.
Product: Credit card

In XX/XX/year>, my family and I booked a stay at XXXX XXXX, managed by XXXX XXXX. Due to the size of our group ( XXXX individuals ), we reserved two rooms. Shortly after check-in, one of the rooms became flooded and uninhabitable, forcing my entire family to stay in a single room. Despite informing the hotel staff and requesting to be moved to another room, we were told that no other rooms were available as the hotel was fully booked. 

Upon our return home, I contacted Chase Disputes and contested the charge for the unusable room. I provided extensive evidence, including photographs and communications with the property. In XXXX, I received a notification from Chase confirming that the dispute was ruled in my favor, and the credit for the room would be permanently applied to my account. 

However, on XX/XX/XXXX, I observed a new charge from XXXX XXXX on my account. I immediately contacted Chase and explained the situation. The representative indicated that the merchant had likely manually re-entered my credit card number and recharged me for the previously disputed amount. This unauthorized charge was deemed fraudulent by Chase, and the representative advised me to obtain a new card, subsequently locking my old card. 

Despite these measures, this month, I noticed yet another charge from XXXX XXXX. When I called Chase again, I was informed that since the merchant had proof that I physically handed them my card, it was not considered fraud. I explained the complete timeline to XXXX this morning, who concurred that the merchant had no legal right to rebill my card after Chase had ruled the dispute in my favor in XXXX. 

It is my firm belief that the XXXX rebilling of the charge by the merchant constitutes fraud, as it was not authorized by me. I urge you to address this issue promptly and ensure that the fraudulent charge is permanently removed from my account. 

I have contacted Chase Disputes yet again and have not received a resolution. 

Thank you in advance for your attention to this matter. I look forward to a swift resolution.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have found fraudulent accounts on my credit report. After reviewing my report, I discovered several accounts that do not belong to me and are affecting my credit score.
Product: Debt collection

Late  XXXX   XXXX  settled debt and received  XXXX  and filed on  XXXX  tax for forgiven amount regarding this   XXXX   account. On  XXXX   XXXX ,  XXXX ,  Portfolio Recovery Associates  listed a collection on my credit report. I 've never received anything from them regarding this supposedly debt owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian after I purchased a credit report from Experian.com on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my XXXX Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking these accounts is inadvertently resulting in me being extorted.
Product: Checking or savings account

I opened an a student account with Wells Fargo while I was attending XXXX XXXX in XXXX, Fl. More than once fees were attached to my accounts ( savings and checking ) that I did not think were appropriate. My account was closed by Wells Fargo because of such fees and whatever money was in my account was taken to " cover '' such fees. This also happened to my daughter and son as they also had this kind of account.
Product: Checking or savings account

Hello, My Chime account was closed after they locked it on XX/XX/22, I have yet to receive the funds from my account. I was told I would be getting them at the end of XXXX. It is now been six months since I was too have received the fund. Secondly, they have been reversing charges from vendors that I paid months and months ago to a company and now I owe {$430.00} and possibly more chargebacks were done without my knowledge. now they are saying they won't give me back my balance or anything at all.
Product: Credit reporting or other personal consumer reports

I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be completely examined. Notwithstanding my endeavors, I presently can't seem to get any goal or restorative activity. These mistaken records are seriously harming my credit document and blocking my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused monstrous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is happening quickly. I mercifully demand that you lead an exhaustive examination concerning the revealing of every XXXX of these contested records. It is basic that the vital advances are taken to refresh and redress my credit report right away. With your assistance, I desire to reestablish the exactness and respectability of my credit record so I might recapture command over my monetary prosperity. I genuinely encourage you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue expeditiously would be enormously valuable. Much obliged to you ahead of time for your comprehension and help.