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

This is a request for deletion of a disputed item. I have attempted to have this alleged debt verified by the alleged creditor and collection agency to no avail. I am respectfully requesting the collection agency do what is legally mandated by the FCRA and FDCPA, and delete the following account listing in Identity Theft I previously sent a demand for validation from me and they have failed to provide any proof or respond in any way. I sent a second letter. Again, I have received no response. I sent yet another letter. Again, I received no response. The FDCPA states that collection activity must cease until they have produced verification of the alleged debt if so requested. 

As per the FTC, this includes reporting to the credit bureaus, which they obviously have done illegally. It is quite evident that no such proof of this alleged debt exists or they would have provided it in the previous months since it was requested. Also, when an alleged debt is disputed, a notation must be entered on the debtors report showing the item as in dispute. Again, this was not done. Another violation of the FDCPA. 

As per the FCRA, if no proof of debt exists, it may not be reported to the credit reporting bureaus. The FCRA also states that the credit reporting agencies must accept written proof from the debtor. Therefore, I am not asking for an investigation to be done. I am requesting that the entry be deleted in its entirety since there is no proof of its existence.
Product: Money transfer, virtual currency, or money service

I paid XXXX XXXX  of XXXX XXXX for an XX/XX/XXXX ceremony on XX/XX/XXXX. My fiancee was not on the phone or in my presence at the time. She had additional questions which were sent via email. This email was ignored, so we proceeded to call. My fiancee had two phone calls with XXXX, the last of which left her in tears. The following Monday XX/XX/XXXX, I called XXXX to cancel, and she told me she was keeping XXXX percent of the funds even though her abuse was the primary cause, in addition to the ceremony being two months away. 

PayPal is refusing to refund the payment because I need a cancellation notice. As XXXX was abusive, I don't believe I will be able to acquire that document, even though the ceremony was supposed to be two months from now regardless. We have already booked a different vendor that clearly states their terms, and who is respectful and above board.
Product: Payday loan, title loan, or personal loan

I applied for a person loan with Wells Fargo and got denied because misinformation, misunderstanding. I asked for {$150000.00} and I was pre approved according to banker, but things turned down because I asked to lower the amount and the other banker harassed me with further information with a gave previously. I work for the city of New York, my salary is direct deposit with my account with Wells Fargo., I bank with them for over 10 years, I never had a problem with, I have been discriminated by Wells Fargo . Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax announced a data breach that exposed the personal information of 147 million people. I am a victim of identity theft as a result of the Equifax data breach. 
This data breach has caused my information to be released on the dark web and is hindering me from moving forward with anything credit related ( i.e establishing new credit, buying a house/car, getting utility bills, etc ). My information was incorrectly used which is a violation of my fcra rights.
Product: Bank account or service

BancorpSouth changes the order that debits post to accounts up to 4 day after they show up on online banking. Like I make several debit on Friday, the a large auto draft comes out on Monday that causes an overdraft. BancorpSouth will take the small debit that posted Friday, change the dates to Monday and post them after the large auto draft. So they not only hit me with an overdraft charge for the large debit, which i have no problem with. I owe that one, it 's the overdraft charges for the small debits made on Friday that they changed the dates on so they could maximize the number of overdraft charges that I have a problem with. This is not the first time this has happened. They have done this before and from what i am reading on the internet, this common practice for them. I 'm not asking for the fair overdraft charges back, but i want the fraudulent overdraft charges back with a letter of apology, and I want the same thing for everyone else that BancorpSouth has ripped off
Product: Credit reporting or other personal consumer reports

I HAVE DISPIUTED THIS ACCOUNT TO DO NEGATIVE INFORMATION ON BUISNESS PROFILE REPORT THIS FROM MY REPORT
Product: Checking or savings account

Hello, I came across an offer from Chase Bank online of {$900.00} when a new customer opened a new Chase Total Checking account and new Chase Savings account with qualifying activities. In order to avail of this offer, one had to provide one 's email address, which I did. Chase then emailed me the offer on XX/XX/year> which included a coupon code. The offer was valid through XX/XX/year>. 

In order to receive the {$900.00} bonus, one had to open the Checking and Savings accounts together. The Checking account needed to have direct deposit set up within 90 days. For the Savings account, a deposit of a total of {$15000.00} or more in new money within 30 days of coupon enrollment was needed, and a {$15000.00} balance for 90 days from coupon enrollment needed to be maintained. 

Both the accounts were opened on XX/XX/year>. 

I set up direct deposit into the Checking account within 90 days as required- the first direct deposit into the checking account was on XX/XX/year>. 

I deposited {$15000.00} into the Savings account within 30 days of account opening i.e. on XX/XX/year> and maintained the {$15000.00} balance for more than 90 days - through XX/XX/year>. 

When I emailed Chase on XX/XX/year>, I was initially told they were unable to add the coupon code provided to qualify for the cash bonus promotion the coupon code has to be applied to the account within the first 21 days of opening the account. 

On XX/XX/year>, I emailed them back requesting them to further investigate the issue since I completed the qualifying activities as was requested using the coupon code. I was told my issue was forwarded to the research team to investigate and they would respond within 5 to 7 business days. 

On XX/XX/year>, I followed up and included the email that Chase sent me which had a green button which provided a link to open the accounts. Below the Green button it mentions " Coupon code applied when you click Open both accounts. I assumed the coupon code would be automatically applied as was indicated by Chase, since I clicked on it to open both accounts. I was told they are still investigating the issue. 

I have included the email of the bonus offer and a screen shot of the Green button. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is two account on my TransUnion and XXXX credit reports that should not be in collections. I have called the collection agency and they said they have been closed. XXXX XXXX XXXX XXXX both amounts are for {$150.00} dates they were placed is XX/XX/2015 and XX/XX/2015.
Product: Student loan

Navient has caused me emotional trauma consistently over the last six years by harassing me over the phone and attempting to withdraw large sums of money out of my bank account causing to me have to close the bank account and pay overdraft fees. 
I was put into a state of XXXX over phone calls by collectors demanding I find a way to pay them large sums of money, and have been dealing with multiple phone calls a day from Navient ( from different phone numbers so I ca n't block them or know who it is ). 
They have failed to this day to offer me a reasonable repayment plan for my student loans based on my income and I now owe {$30000.00} more than I did when I started because of interest.
Product: Debt collection

The debt is a fraudulent attempt to collect money NOT owed. I was never deliquent on rent nor did I stay after move out day. There were also NO damages to the property and the complex refused to accurately investigate and claimed the staff changed and they did not have documents.
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 Number : XXXX XXXX XXXX XXXX : Account # XXXX : Balance : {$31000.00} Account Number : XXXX  XXXX : Account # XXXX : Balance : {$3200.00} Account Number : XXXX XXXX : Account # XXXX : Balance : {$1100.00} Account Number : XXXX XXXX  : Account # XXXX : Balance : {$31000.00} Account Number : XXXX XXXX  : Account XXXX XXXX : Balance : {$31000.00} Account Number : XXXX : Account # XXXX : Balance : {$800.00} Account Number : XXXXXXXX XXXX  XXXX : Account # XXXX : Balance XXXX {$23.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : RESIDENT VERIFY XX/XX/year> 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, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

5. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

8. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XX/XX/2023 I received my investigation back and you stated you completed a fair investigation and these accounts are 100 % accurate. 
But can you please answer this XXXX question. How did you investigate these accounts? 
Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you are supposed to investigative my consumer report Did you interview my neighbors? 
Did you interview my friends? 
Who did you talk to? 

1 more thing can you please tell me how everything is 100 % accurate if the date open, date last active on these accounts are not reporting the same Information.

You have violated multiple laws below : 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i I demand you delete the accounts from my credit report, I listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delete!! these accounts immediately or you will be held responsible for {$1000.00} per violation Send me updated credit report with the accounts permanently deleted
Product: Consumer Loan

Submitted Case number : XXXX ] on XXXX/XXXX/XXXX bank committed to fix information on credit reports. Which it was corrected on XXXX and XXXX but was not fixed in XXXX which appeared as CHARGE off which I disputed as you instructed if I saw anything incorrect and the dispute came back worse cause now it appears as Placed for collection. I have spent a lot of money on viewing my credit reports and time I subscribed to XXXX which is XXXX paying {$30.00} dollars a month to monitor this correction and has not been corrected. I even communicated directly to the bank with no resolution and my credit is affected because of this. The charge off which is incorrect was eliminated from XXXX XXXX and want it eliminated completly from XXXX. This car was brought in XXXX and we are in XXXX and it still appears in my XXXX account as well. I even have the title for the vehicle which Firstbank sent to me and this information was given to them when I first disputed and still it has not been corrected. Please verify Case number : XXXX ] where First Bank said they are committed to correct my credit reports and have not been done.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account Number XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have complet
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Mortgage

M & T Bank 's role as a mortgage servicer was terminated effective XX/XX/2017, when I mailed CMRRR a Notice of Rescission rescinding the mortgage on that date the mortgage was not in default and no payments were due. 


After receipt of my Notice of Rescission on XX/XX/2017, M & T Bank has been operating as a debt collector by attempting to collect the rescinded mortgage as if it was in default when it is not in default and in making false representations of the character, amount, or legal status of the rescinded mortgage in violation of the FDCPA.
Product: Credit card

I am submitting this letter and supporting documentation in reference to a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning a fraudulent charge on my Citibank credit card account. The incident occurred during a recent trip to XXXX and involved a party impersonating XXXX XXXX. 

Despite providing extensive evidence of the fraudulent nature of the transactionincluding documentation showing prior confirmed travel arrangements, vendor misrepresentation, and post-incident validation by XXXX XXXXCitibank has denied my fraud claim twice. This decision fails to acknowledge both the deceptive conduct of the merchant and my rights as a consumer under the Fair Credit Billing Act ( FCBA ).

Summary of Key Points : The vendor falsely represented themselves as a XXXX XXXX agent and created a false narrative about fare differences and reservation issues to coerce me into authorizing an additional charge. 

My group had fully paid and confirmed reservations before any contact with this party. These tickets were never canceled, modified, or subject to fare changes. 

I did not receive any new services, changes, or benefits in exchange for the disputed charge. 

XXXX XXXX later confirmed that no changes were made to the original reservation and that we were not on any waitlist, as falsely claimed by the vendor. 

The vendors intent was clearly fraudulent, and Citi has failed to properly investigate or consider the extensive documentation I provided. 

Attached Documents Include : Copies of confirmed flight reservations and e-tickets ( XXXX XXXX XXXX ) Emails and correspondence with the vendor showing misrepresentation Screenshots of the vendors misleading claims and transaction details Prior dispute communications and final denial letters from Citi After more than 30 years as a Citi customer in good standing, I am disappointed in their response and lack of protection in a clear case of fraud. I am seeking the reversal of this charge and a full investigation into the conduct of the vendor involved. 

Thank you for your attention to this matter. I look forward to a fair and timely resolution through your office.
Product: Credit card

Capital One is charging me excessive fees and reporting late payments to XXXX.XXXX and XXXX. 
Capital One approves me XXXX credit cards but company denies me credit increase over {$700.00} and {$500.00}. 
Why approve me on another credit and gives me denial on credit increase. 
Is it to charge me high annual fees for both cards? Late fees are included also. 
I am on XXXX XXXX XXXX and Retired. 
I am a Military Veteran. 
Capital One practices needs to be regulated by Federal Government.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Ms : Over this past weekend ( XXXX XXXX  ), my wife and I submitted a mortgage application to determine our options in the purchase of a property here in XXXX XXXX XXXX I don't recall getting an opt-out option, but the credit bureaus shared our information with appears to be hundreds of lenders. My wife and I have each received more than XXXX calls each ( XXXX calls total ) just this morning. It is atrocious and unacceptable that the same institutions that we count on to safe guard so much of our personal information are turning around and sharing this on the back side with a hungry and depressed mortgage banking market. I have never in my life had such an experience - we need strengthened data privacy laws so that my personal information is not shared with other lenders without my knowledge. I will make the decision on whether to shop around for other lenders not the credit bureau. Your assistance with this matter and sharing options for how to change this would be much appreciated. 
Sincerely, XXXX XXXX ( XXXX XXXX XXXX  )
Product: Credit card

XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX Subject : Dispute of Inaccurate Information Dear, XXXX  XXXX, XXXX, XXXX, TransUnion I am writing to formally dispute certain information in my credit report. I have reviewed my report and found that there are accounts listed for which I do not have any information or knowledge. This is a request for you to investigate these accounts further, as I believe they may be inaccurate. 

According to the Fair Credit Reporting Act, I understand that I am entitled to request an investigation into any information that I believe is incorrect. I would appreciate it if you could conduct this investigation within 15 days of receiving this letter. 

If you are unable to verify the accuracy of the disputed information, I request that you remove it from my credit report immediately. 

Please find enclosed copies of any relevant documents that support my dispute. I look forward to your prompt response to this matter. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX