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

I have disputed Account Name : XXXX Account XXXX : XXXX Sent certified mail to XXXX : XX/XX/XXXX XXXX second request ) Sent certified mail to Equifax : XX/XX/XXXX XXXX certified mail to XXXX : XX/XX/XXXX Credit Bureaus, XXXX, Equifax XXXX and XXXX, all three stated that the accounts were properly investigated and verified the accounts and information as accurate but the information for the account is still inaccurate. The date opened, the date last active, high credit and the date last reported are all inaccurate still. The payment history is incorrect and also not reporting correctly and XXXX does not report any payment history at all. How can this account be verified as accurate when nothing is accurate or reporting correctly or consistently? This is grounds for immediate removal and they have also violated my rights under 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. They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states that a consumer reporting agency can not furnish an account without my written instructions. I have not given these accounts written permission to furnish these accounts on my credit report.

They have had plenty of time to actually verify and correct any errors but still have not and just keep sending back that the account is verified wasting my time and doing personal harm to me.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX ( XX/XX/24 ) Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the XXXX time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Credit reporting or other personal consumer reports

I disputed the old address and employment on my credit reporting, and they returned as verified.
Product: Credit card or prepaid card

I am XXXX XXXX XXXX and have had a chase slate visa credit card that I have used for approximately 15 years. It has been central to my making large purchases over the years specifically for my property repairs which in XXXX were significant and also in XX/XX/XXXX. I did not have a need to use the card through the XXXX holidays. I try to pay my balance off each month and have had no lates as far as i can remember. 
When COVID showed up here in XXXX XXXX County in early XXXX I took steps to protect myself as a highy at risk of death should i contract COVID. I have sheltered in place since. During this time the government issued a pause or forebarence stave off negative actions by banks, landlords, and other credit lenders. 
I recently attempted to use my card XX/XX/XXXX and it did not work. I immediately called chase and they said the card had not been used and was closed. I appealed to chase management noting the pause and governmentstay at home but that did nothing. 
I felt that i was being targeted because I was older and may be a poorer risk. Why would they do this during a shelter in place especially in a Covid hotspot XXXX XXXX County! I can not get out of my house and I certainly do not want to run up debt. They offer people who can not pay their bills all kinds of help during the pandemic but retaliate against older people who have excellent credit and money management. One would think that the same credit pause issued by the government would apply to those with good credit. Chase is targeting the elderly during a pandemic crisis. This card had a high credit limit which insures I protect my property in case large repairs are needed or other urgent needs.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

In XX/XX/XXXX, I leased a new XXXX XXXX, and i purchased GAP Coverage through Toyota Motor Credit Corp. In XX/XX/XXXX, the XXXX was totaled as a consequence of being struck by a truck on the XXXX XXXX. The truckers carrier, XXXX XXXX XXXX XXXX. XXXX, ( XXXX XXXX XXXX ), accepted full responsibility for the accident and negotiated a settlement with Toyota Financial Services - which Toyota accepted. I had nothing ot do with the negotiation. Toyota financial devised me that the settlement - $ XXXX didnt cover The amount due XXXX the lease and th at I still owed {$5200.00}. I submitted the claim to Toyota Motor Credit for GAP Coverage. IN XXXX XXXX, Toyota Motor Credit advised me that I had to submit a report justifying Toyota, s acceptance of {$30000.00} in settlement f the claim, This Request, though patently ridiculous, was nonetheless passed on to XXXX XXXX XXXX  an d it then repeatedly sent to Toyota all the documents it had regarding the settlement. Toyota repeatedly said that. The reports were insufficient, but failed t address th e insufficiency, After a while, Toyota elected to stop trying t collect from its own subsidiary Nd then reported that I was a delinquent debtor under the lease and that it had referred the matter ot collections. When I protested this, it then reported that it had charged off the debt and thereby damaged my credit. 
Its. Actions were vindictive, wrong and ignored my GAP Coverage fr hwic I had overpaid at the time I firs leased the vehicle. Thy have persisted in this stance sinceXXXX and ave refused t o properly secure payment from their own  subsidiary.
Product: Debt collection

I received a bill on XX/XX/XXXX that a transaction would be withdrawn from. My account on XX/XX/XXXX. I called national credit system because due yo fraud on my credit card again I had to get a replacement card and was simply calling to give my new card number. My account XXXX XXXX was extremely rude and said due to the payment being rejected they can no longer do auto pay. I explained the situation and he stated it was not his problem. I asked to speak to a supervisor and got XXXX XXXX who was horribly rude, disrespectful, refused to listen to my concern, and over talked me. When I tried to explain he said " you are not going to disrespect me '' which was odd because I did not yell, curse or become disrespectful. He used this verbiage to disconnect the call. Please review it!! I never had a company try to prevent you from making a payment. I also went back and checked email and have never received notifications. And .... to receive a bill a day after the withdrawal is ridiculous. This company is ridiculous and hires anyone with vocal cords to answer the phone!!!!
Product: Bank account or service

I had banked at BB & T for years. Recently for the past 2 years I have been ripped off multiple times by this bank. I had XXXX checking accounts. XXXX with my debit and XXXX that was strictly for paying my bills. I calculated my bills rounded the amount to the next dollar amount and transferred the funds. My account was exact and was perfectly balanced at ALL times. Until XXXX and a charge BB & T could not explain to me occurred. Causing a avalanche of XXXX charges. The banker I was accustomed to dealing with apologized that other workers at the bank could n't play fair? I got no refunds back leaving my accounts both in the negative. Prior to this most recent XXXX from BB & T I would make a online payment for lights, car etc and the money would be in the account, but instead of crediting the funds to my account XXXX they did the debits and payments causing the XXXX fee. I would say that in the past 4 years I have paid over XXXX in fees to BB & T. I was also told by # XXXX banker after going into the local branch to discuss XXXX of the above occurrences " Sorry you got caught in ITS cross heirs! '' Needless to say I changed bankers and have now changed banks. I feel that practices by BB & T are fraudulent and unjust. It also seems it has happened to ALOT of others as well.
Product: Credit card

I have been a Chase customer forever with a XXXX XXXX card. recently, I got a Chase Sapphire card. I never got my first statement, so I went onto their app and saw I owed {$28.00} which I paid. That was XXXX months ago. In the last XXXX months I got the statements for the balance due and in both months I made the full payment of that month 's statement balance. I was charged {$79.00} one month and {$75.00} for interest the next month even though I made the full statement balance on or before the due date. I spoke to them on the phone and told me that because I wasn't making the payment for the whole balance to date, not the statement I received, they had the right to charge me interest. They are very fraudulent never was I directed by anyone at Chase to pay anything other than the statement balance or I would continue to pay interest. I have never had an issue with my other card but this is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX did not purchase the promissory note from XXXX XXXX XXXX. All allege contracts are completely fraudulent & the attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity of identity theft & power of attorney fraud. Please expedite the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, & losses due to me being a victim of identity theft. The FDCPA is intended to secure my right to privacy & my privacy has been breached. I am sure the removal of my information from your company records, and/or with any corporate aliates like XXXX, Transunion or XXXX to ensure my privacy rights won't be violated again due to my lack of consent. Please BLOCK & REMOVE all information resulting from Identity Theft pursuant to FCRA 605B ( 15 US & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days.
Product: Credit reporting or other personal consumer reports

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered because of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( i ) ( b ) [ 15 U.S.C 1681n ]. Should you fail or refuse to settle the demand, I will seek actual damages which are greater than {$1000.00}. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports. I will consult with my legal counsel for suit. This includes listings of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 


E STOPPEL PARAPHRASE : I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( XXXX  ) XXXX XXXX XXXX XXXX I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT EXIST
Product: Mortgage

We are working on entity license and payment transmitted with mortgage lenders and credit bureau and contact the credit bureau with investigation on the report ans send a notice of the foreclosure and bank statement regarding the issue in concern and keep relevant contact with the complaint submitted to XXXX concerning the data breach and concerns regarding the difficulty in supplying the dispute with the mortgage of the property and update the company with the XXXX and XXXX XXXX from the payment voucher and attorney information from the support group.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my XXXX XXXX and noticed that i have two late payments on an account that i was not late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer info to the best of their ability with accuracy. I have been late on this account in the past but Equifax should not be allowed to tack them on just anywhere they please, because i experience a rough time in my life. Please invesitage account number XXXX on XX/XX/XXXX and XX/XX/XXXX are showing late on equifax but the the other credit agencies reporting on time. I just want them updated to on time so that its true to me and i can try and continue to have good credit. Please provide proof if not proof is provided i Demand that they update those 2 months as current on time. Thanks in advance.
Product: Credit reporting or other personal consumer reports

I submitted a complaint against Eastern account services collection since they did not follow proper procedures to contact me regarding an account of {$130.00}. the company 's response was that once they received confirmation payment was made they would request account to be deleted from credit bureaus. Later A representative emailed me saying they would not do that but report it as paid.
Product: Debt collection

I have received numerous calls but zero written communication from LJ Ross about a supposed debt. They have failed to identify their line of business and or the reason for their call. On XX/XX/XXXX, I was notified about a collection attempt added to my credit report for {$220.00}. It has seen been removed from my credit report through the dispute process. I don't have any outstanding debt that I'm aware of currently for {$220.00}. I need LJ Ross to stop calling me. I need all communication in writing and proof that this wasn't debt written off by a previous company sold on a list somewhere. I know most debt in this country is collected illegally outside of the statute of limitations. I am tired of having to hire attorneys to send letters to address fraudulent claims of debt.
Product: Credit card or prepaid card

We have a business credit card with Goldman Sachs. We pay our statement balance every month. I come to find out that they take our payment process it clear our bank account and 2 days later charge us a {$140.00} interest on {$12000.00}. This seems like absolute fraud all the way!!
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 U.S.C 1681. ACCT Name : XXXX XXXX XXXX & XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 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: Vehicle loan or lease

I believe I should be included in the class action lawsuit against Wells Fargo. I had a vehicle loan and my payments we misapplied .... therefore resulting in my vehicle being repossessed. I called the bank and advised I had made my payments and had the copies of the checks cashed as proof. They said my vehicle was already sold so I wouldn't be able to get my car back. My credit was messed up showing a repossession which prevented me from obtaining another vehicle loan at a price I could afford. According to the website, " For automobile repossessions, compensation is at least, but is not limited to, {$4000.00}. '' Due to Wells Fargo 's error, my life was turned upside down for years. 

XXXX XXXX ( maiden name XXXX ) XXXX XXXX vehicle loan. 

I have called wells fargo and have not received a call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the pdf attachments. Equifax claims that I'm not sending in required information to identify myself, so they won't investigate my dispute. I am indeed sending in the information they require as part of my dispute and am really tired of Equifax making this false claim. I have asked three times for a dispute to be investigated, and three times Equifax has stated that they will not investigate my disputes. Therefore, I demand that Exquifax remove all disputed information from my credit report via the FCRA. I have sent them copies of my lease, driver 's license, SS card and utility bills as part of my disputes, but they falsely claim that I haven't. Thank you
Product: Mortgage

On XX/XX/XXXX I called called carrington mortgage regarding my escrow refund that had been returned by my bank. I incurred various bank fee because this check had been cashed the week prior. I was told this was a bank error. Then I was told It would have to be researched after I provided proof of the returned checks. I went back and forth with carrington for over a week. They told me it was okay to redeposit the check and it was returned again and I have incurred more fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2019 i recieved an iquiry from AMEX. I didn't authorize this transaction.I disputed the inquiry for deletion but nothing was done about this inquiry.I attempted to reach out to the creditor to get proof of the authorization of the inquiry but to no avail. 

on XX/XX/2019 i recieved an iquiry from XXXX XXXX XXXX. I didn't authorize this transaction. I disputed the inquiry for deletion but nothing was done about this inquiry. I attempted to reach out to the creditor to get proof of the authorization of the inquiry but to no avail. 

on XX/XX/2019 i recieved an iquiry from XXXX XXXX XXXX I didn't authorize this transaction. I disputed the inquiry for deletion but nothing was done about this inquiry. I attempted to reach out to the creditor to get proof of the authorization of the inquiry but to no avail.
Product: Debt collection

We called IQ Data on XX/XX/2022 to dispute the collection of {$920.00} and we ask for a signed original document and they refused to send us one saying that they had already sent one which my husband and I disputed and then they started being verbally abusive and threatening. We tried to explain to them that this was not our debt and they did not want to hear this and again became verbally abusive and threatening. We also noticed that the amount of the debt they claimed we owed continued to increase every 6 days going from {$920.00} to well over {$1000.00}. Thank you for your help with this matter.
Product: Debt collection

Upon carefully reviewing my latest credit report, I found multiple accounts that seem to be incorrect and were added without my consent.
Product: Credit card or prepaid card

- Sunday, XX/XX/2020 I exited the XXXX XXXX in New York around XXXX XXXX. 
- A gentleman driving a pedicab offered a ride. I asked the price and he said, {$5.00} per minute. I told him I was going to XXXX  XXXX and asked how much time that should take and what the price would be. He said, That will take about 6 or 7 minutesso it will cost around {$35.00} I agreed to that price. 
- When we arrived at XXXX  XXXX the driver said, I am sorry it took a little longer than I quoted you ; it took around 8 and a half minutes. So the charge will be just under {$45.00}. But here is my business card. If you will call me when your dinner at XXXX  XXXX is through, I will pick you up and take you back to your hotel for free for the discrepancy in price. I was given no invoice and was told it would come through XXXX via email. 
- About an hour later the receipt came via email with a charge of {$380.00} for the 8 minute ride instead of the agreed-upon amount of under {$45.00}. My signature is NOT on the receipt. I immediately pulled out the pedicab drivers card and sent him a text alerting him to the incorrect amount. I got no response. 
- I contacted Chase and they said it did not constitute fraud b/c I had intended to pay an amount ... just not the high amount they charged. They said that they have seen this scam many times. The driver apparently inserts the card into a XXXX  device that he has on his person ( and not the one for the pedicab ) and squiggles something in the signature line and charges a fraudulent amount. Chase acknowledged that it was a scam, but refused to take the charge off my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I visited XXXX Hospital in XXXX North Carolina. I had insurance ( XXXX ) at this time and should have been covered fully. The XXXX in XXXX county has confirmed this and I have been working with XXXX, who is fantastic and helping search this problem daily. My account number with AmeriFinacial Solutions is XXXX and the reference number is XXXX The above mistake on XXXX XXXX XXXX has cost me dearly in interest rates, declined credit lines, declined automobiles and many other headaches. This must be deleted from all three credit reporting bureaus immediately or I will seek council for damages. I highly suggest you reach out to XXXX in XXXX and get this resolved in very short manner. The total bill is now XXXX This has already been removed from XXXX. However, it is still showing up on XXXX. This has been requested months ago to be removed as I was not held responsible for this account. XXXX has called you months ago to remove this. Remove this immediately and send me a written copy with company letter head that you will be deleting this. Otherwise, you leave me NO CHOICE but to seek damages.
Product: Credit reporting or other personal consumer reports

I received my credit report on DATE and noticed that there were hard inquiries that didn't have a permissible purpose to be on there. These hard inquiries are keeping me from getting approved. I have already reached out to the credit bureaus about this multiple times, and they keep violating my rights under 15 USC 1681b. I have also attached the hard inquiries that DO NOT have a purpose to be on my report. 

( XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXXT # XXXX XXXX, CO XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Checking or savings account

why my accounts are blocked and online access including dependents who are on their own