23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX Chase authorized XXXX XXXX transactions, of which only XXXX was authorized for the purposes of paying rent, leaving my checking account gravely in the negative and overdrafted. This has caused my other automatic payments to be unpaid and left me without access to the money in the account for other expenses. Currently my account has been left overdrafted XXXX hours and will probably be left overdrafted the entire weekend ( as it is Friday XX/XX/XXXX writing this ) with no solution nor word of a solution. Chase has made no reach out regarding this situation to inform me of it nor have they made any attempt to reach out regarding a solution or a solution in progress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear : Eqifax I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX.- Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX.- Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW. 

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. 

XXXX XXXXXXXX XXXX XXXXXXXX - Civil Liability for XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX - Civil Liability for Negligent Noncompliance, and XXXX XXXX XXXX XXXXXXXX - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA XXXX XXXX. XXXX ( XXXX ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of XXXX XXXX. XXXX ( d ) ( XXXX ). 

Accounts listed below in green color highlighted and tag as in violation under XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( XXXX ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor. 

( XXXX ) A computation error or similar error in the creditors accounting on a statement. 

This is a clear violation of the United States Code Law ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA XXXX ( XXXX XXXX. XXXX ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section XXXX Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under XXXX XXXXXXXX XXXX XXXXXXXX Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Credit card or prepaid card

I have requested of Capital One Financial Corporation to support me with addressing the unauthorized debits made to my account for transactions that I have reported pertain to credit card fraud. I have collaborated with dedicating time to discuss with several parties, including, presenting my concerns to XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. It has been a prolonged time without an appropriate response and continuing to experience poor practice from the business that disregard my financial and business needs. 
I am awaiting for Capital One Financial Corporation to rendered the monies for credits and for the security deposit towards the secured credit line in the form of a check or a deposit to my account on file. 
I am not in understanding as to what has prompted the business to remain in possession of these monies after I have requested for account closure in demonstration against the malpractice and the abuse of their account specialist when presenting my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Nicholas Financial : Account XXXX XXXX XXXXXXXX, has violated my rights. This company continues to furnish to consumer reporting agencies my approval of a specific extension of credit, 30+ day late payment from 2019 to the current date and they are furnishing my nonpublic personal information to nonaffiliated third parties without my consent. U.S. Code 1681a ( d ) ( 2 ) Exclusions -- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension ofcreditdirectly or indirectly by the issuer of acredit cardor similar device ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Nicholas Financial furnishes information to the consumer reporting agencies without my consent and written instructions. 15 U.S. Code 6802 - Obligations with respect to disclosures of my nonpublic personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was not provided opportunity to agree to opt-in or out of my nonpublic personal information be reported to any of the consumer reporting agencies. I have the right to privacy, accuracy of any information furnished to my consumer report as well as that information is furnished. Since Nicholas Financial has furnished this information from 2019 which Congress states is excluded from my consumer report pursuant to section 1681a, my creditworthiness, creditstanding, creditcapacity, character, general reputation, personal characteristics, and mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing themy eligibility for obtaining creditor insurance to be used primarily for personal, family, or household purposes has been harmed. While communicating this to NicholasFinancial, I was told by their representative that they must furnish this information. Now I'm requesting help from the Bureau.
Product: Mortgage

XX/XX/XXXX I called Loancare ( subservicer of XXXX XXXX XXXX XXXX ) to set up a payment plan for my mortgage that was 2 months late. I was told if I canceled I must call to cancel 2days before they take the money at my account. 

XX/XX/XXXX I'll call to cancel the payment plan I made with Loancare ( subservicer of XXXX XXXX XXXX XXXX  ). I stated I was making 2 payments of {$1500.00} on the XXXX and XXXX of XXXX. The representative I talk to stated she cancelled the payment plan and entered the corrected pay amount for XX/XX/XXXX and XXXX. Once both take payments were made my mortgage would have been current. 

On XX/XX/2019 Loancare ( subservicer of XXXX XXXX XXXX XXXX ) on unauthorized {$2000.00} from my XXXX account. I called on a XXXX XXXX to figure out what happened. The representative stated she saw where the last representative put in both payments for the XXXX and the XXXX, but made a mistake and canceled the wrong payment. The representative asked me to send in my bank statements to show any in NSF fees that I occurred due to the mistake so i would be reimbursed. 
The representative stated She is canceling the payment plan that was in the system. 

On XX/XX/2019 Loancare ( subservicer of XXXX XXXX XXXX XXXX ) Unauthorized {$1500.00} from my account.My call to complain at this point my creditors have castle to of my cards in my other creditors started to show delinquent due to this mistake. 

I was told to file a complaint with Loancare ( subservicer of XXXX XXXX XXXX XXXX   ). Once I found the complaint they was going to put money back into my account I have  all NSF fees paid in full. On XX/XX/2019 nothing was there resolved. I paid {$3000.00} to cover any back mortgage issues that I occurred in the remaining balance was paid on XX/XX/2019. 

The representative stated all my past due fees in NSF fees would be refunded and also any issues would be resolved. 

I called on XX/XX/XXXX, XXXX and XX/XX/2019 there was no response back from the charges credited back to my XXXX account. On XX/XX/2019 I was told by representative with Loancare ( subservicer of XXXX XXXX XXXX XXXX ) they was not going to pay anything and I should be glad they didn't take any legal action. 

Due to Loancare ( subservicer of XXXX XXXX XXXX XXXX XXXX not handling my account correctly 2 of my credit accounts closed and 5 either went past due or delinquent. 
Loancare ( subservicer of XXXX XXXX XXXX XXXX ) knowing their employees made a mistake, and would not correct the actions of them. Loancare ( subservicer of XXXX XXXX XXXX XXXX ) fraudulently took funds from my account and never corrected the issue at hand.
Product: Credit reporting, credit repair services, or other personal consumer reports

WWW. LOQBOX.COM {$2400.00} PERSONAL LOAN FRAUDULENT FILE, CREDIT SCORE DECREASE AND LATE PAYMENT OPTIONS. CUTOMER SERVICE DID NOT ANSWER THE PHONE.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent off two notarized dispute letters on XX/XX/XXXX and XX/XX/XXXX. It has been over 30 days and I have yet to receive a response from Equifax. With that being said under the FCRA, if an investigation is not completed 30 days after receiving a dispute letter, they must delete all of the unverifiable and inaccurate information contained within that dispute letter.
Product: Credit reporting or other personal consumer reports

To whom it may concern : Below is information Ive identified on my credit report that needs to be deleted from your records immediately.

See attach documents
Product: Credit card or prepaid card

n XX/XX/XXXX we started a home improvement project with Lowe 's. This project included granite counter tops in kitchen and baths, sinks and plumbing to complete counters. Since these items are large purchases, we were recommenced by salesperson for me and my husband to each have an amount to cover balance after we paid some down with cash. I opened an Advantage account and was approved for {$6000.00}. My husband was approved for an Advantage card for {$6000.00} in order to complete the purchase. We regarded these accounts as regular credit accounts with interest on the balance. We did not receive enough explanation from the sales staff at Lowe 's did not realize these accounts were " promotional '' and there would be a balloon payment added to the balance when it expired in 2 years. As senior citizens, we would not have agreed to these terms in this aggressive sales pitch if it was understood. 
Since XXXX we have both been making monthly on-time payments on each account. In XX/XX/XXXX a balloon interest payment of over {$2800.00} was added to my account and over {$4000.00} to wife 's account. These actions have significantly increased each monthly payment. The balances show " over limit '' because of these added charges. We dispute how these interest charges have been applied. We dispute that these accounts were agreed by us for " promotional '' terms. We want these accounts to be reviewed and re-written. We will continue to make regular monthly payments as we have done previously.
Product: Debt collection

XXXX  XXXX XXXX XXXX CITIBANK - XXXX is listing an account as Citi Bank account ton my XXXX  report. My social ends with xxx-xx-XXXX, the account is not mine and has a different social and name. Citi Bank removed it last year and now it appears again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Dispute of Erroneous Names and Addresses on Consumer Credit Report Dear Sir/Madam, I am writing to dispute the inaccurate names and addresses appearing on my credit report issued by your agency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This letter is a formal dispute and request for investigation under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq. 
The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute : 1. 15 USC 1681e ( b ) - Accuracy of Information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report. 
2. 15 USC 1681i - Duty to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. 
I request a thorough investigation into these inaccuracies. 
3. 15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names and addresses do not contribute to an accurate representation of my creditworthiness and should be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request that you investigate the accuracy of the names and addresses associated with my credit report, remove the inaccurate accounts, and provide me with a free copy of my updated credit report. 
Failure to address this dispute may result in legal action as permitted by the FCRA. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Applied for BJs card back in the end of XXXX of XXXX. The rate was supposed to be XXXX or XXXX based on creditworthiness. 
My credit is over 750 so I assumed I was getting the XXXX. 
In XXXX I noticed the difference on my statement and checked the ppwk that I got when applied showing that the interest wasn't even close. Tried contacting them by phone. They stated that that was old rates I told her that they were just updates in XXXX according to the documentation. She told me to email the documents on their website. So I attempted many times it kept kicking me out. I called again about a month later and she replied the site might have been down. XX/XX/XXXX sent email with proff of documents. XX/XX/XXXX they replied that basically to just call customer service, which I did. Spent 1.25 hrs on the phone getting passed back and fourth. Next, I got a letter from XXXX XXXX XXXX  that they are taking over my account. Hope I gave you enough information. Thanks for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

This morning I checked my credit report with XXXX and XXXX XXXX XXXX is still showing on my credit report. They show a balance of {$11000.00} and this is old information dating back to XXXX. I see that the account # they use is XXXX. And the date they reported was XX/XX/XXXX. 
The date is wrong for when the vehicle was purchased and the car was wrecked totally and was not able to be salvaged. GAP insurance paid XXXX along time ago ; so all information is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXXXXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items 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
Product: Credit reporting or other personal consumer reports

XXXX credit company has ruin my life by reporting false statement on my account decreasing my credit scores have called many time no help
Product: Credit reporting or other personal consumer reports

These inquiries are fraudulent I did not authorize these inquiries neither do I have knowledge of these.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had asked for reduced payments with XXXX so I did not miss any payments since I had lost my job in XXXX 2020. XXXX granted the XXXX  plan and I was allowed to make interest only payments for 3 months. I had a written agreement from XXXX. I paid as agreed within the grace period, but collection calls began immediately. I was told that I was only making partial payments. I was reported as 30 days past due several times to the credit bureaus despite me explaining to each collection agent that I was on a XXXX  plan. I had to explain it to each caller several times a month during the period of the XXXX  plan. My credit score dropped and I was denied a lease and mortgage due to XXXX falsely reporting that I was delinquent. Despite disputes with the credit bureaus, calls to managers and a finally a XXXX  complaint, no one is helping me. I am being harmed by XXXX still reporting those hardship payments as delinquent. I need help!!!