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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> Dispute Department Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Charge-Off Entry on My Credit Report Dear Experian Dispute Department : I am writing to formally dispute a charge-off entry that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. If the information can not be verified within a reasonable time frame, it must be removed. 

The charge-off in question does not accurately reflect my credit history or the status of the account. I am requesting that you investigate and, if necessary, remove this charge-off entry from my credit report unless proper verification is provided.

Under 15 U.S.C. 1681i, credit reporting agencies are required to investigate any disputed information within 30 days and to provide written confirmation of the results of the investigation. If the information is found to be inaccurate or incomplete, it must be corrected or removed. The presence of this charge-off on my credit report is damaging to my creditworthiness and violates my rights under federal law. 

Please investigate this matter and remove the charge-off entry from my credit report if it can not be properly verified. I request a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX 15 U.S.C. 1681i Procedure in Case of Disputed Accuracy This section of the Fair Credit Reporting Act ( FCRA ) outlines the procedures for disputing inaccurate information on a credit report. It states : When a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute within 30 days.

The agency must promptly notify the consumer of the results of the investigation.

If the information is found to be inaccurate or incomplete, it must be corrected or removed from the consumers report.
Product: Debt collection

XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX the company 's above reported delinquent accounts to my credit profile I have never attended, purchased or done business with the company 's listed in this report I have attached a copy of what what has been reported to my profile.
Product: Debt collection

Collection amount of {$360.00} from Midwest Recovery Org. creditor XXXX XXXX not sure what this is for ... I am a current XXXX XXXX XXXX XXXX season pass holder for my daughter who is still at home. 
Had the pass since 2013 over the years and taken kids off as they moved to college.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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

Dispute was filed with credit reporting agencies on XX/XX/2023 for incorrect 30-day past due reporting for XXXX XXXX. We use online banking with bill pay service. We also receive ebills through our online banking for this creditor and have it setup so that our online banking automatically pays this account by due date listed on ebill. Historically, creditor deposits bill payments within 0-5 days of payment date and credits our account as of payment due date. Creditor failed to timely credit bill pay payment sent via online banking bill pay dated XX/XX/2023. Creditor did not enter bill pay payment until XX/XX/2023. Due to this, XXXX XXXX then initiated a 30-day past due record on credit report. I have records backing their historical and current payment application records showing that bill payments have been deposited within 0-5 days of date of bill pay and credited to our consumer account by due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have dispute XXXX XXXX and XXXX XXXX several times, and i get back validated, sometimes i dont even get that, i have sent disputes directly to the creditors and have not got any response from them either, i filed a complaint against XXXX XXXX thru XXXX to get validation for this account and they responded that Returned by company STATUS Company responded the complaint does not belong to them on XX/XX/XXXX The company responded that they are not the appropriate company to address your issue. 

The CFPB will review your complaint to see if we can determine the appropriate company. We will contact you if we need more information. 
so my credit report has inaccurate and missing information to be able to validate information, So transunion is now NOTIFIED TO PROVIDED TO ME HOW THEY VALIDATE " XXXX XXXX " AND PROVIDE ME WITH WHO THEY SPOKE WITH AND THERE ADDRESS AND THE CONTACT THAT WAS PROVIDED TO THEM WITH MY SIGNATURE, TRANSUNION MY UP LOAD THIS INFORMATION ON CFPB SITE IN THERE RESPONSE ALSO UP LOAD THE CONTRACT THAT WAS PROVIDED BY XXXX XXXX, YOU HAVE CLAIMED THIS WAS VALIDATED THEREFOR YOU SHOULD HAVE THIS INFORMATION. 
AT this time i believe Transunion is reporting in bad faith and profit do hold my credit score down by not remove un-validated tradelines that they recieve money from. 
if this does not correct the problem then in left no choice but to file in XXXX XXXX court on XX/XX/XXXX and get an order to provide plus montery recovery from the courts
Product: Credit card

I have a fraud transaction that happened over my limitation and Wells Fargo allows that happened without gave me any notification. And their service is not help at all. Those people are rude and wont give me any feedback on my fraud dispute claim.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : JMCB CARD XXXXXXXX XXXX XXXX. 
XXXX, DE XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX XXXXXXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. 

Thank you for your full consideration in this matter. 


Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 - XX/XX/2023 there was 20 separate transactions of {$200.00} and 1 of {$55.00} from XXXX out of my checking account using my debit card. These transactions were all made in different cities in state of XXXX. I live and reside in XXXX, XXXX  area and never visited those cities in XXXX. I called Chime soon as I saw these transactions to dispute all of these and other transactions made by a " XXXX account '' but Chime denied all my disputes made by XXXX but only refunded me the " XXXX '' transactions. These transactions drained all my funds in my account over {$4000.00} and I still have not been able to pay my bills on time. I had to reopen my dispute claim but still no response and no funds back into my account. I've been patient and trying to hold off my bills but I can't no more. Please help!
Product: Debt collection

Southwest Recovery Service is attempting to collect a XXXX XXXX debt for my step child. The debt is 8 years old and belongs to my wife however during that time we were not married nor living together until several years later. She is also fighting it on her side and has receipts to prove the debt is not valid. Southwest Recovery Service never contacted me about the debt but I found it on my credit report a few months ago. Tried to dispute it, letting them know it was not my debt, nor my child, nor was I involved at that time but they refuse to remove the debt. I asked them to provide evidence that the debt is mine and they can not.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX XXXX. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt.
Product: Vehicle loan or lease

On XX/XX/XXXX, I had requested a Rate from Rate Genius. It was not clear by requesting a rate that a hard pull would result from my request. I was under the impression that I was only getting a preapproval. 

On XX/XX/XXXX I got a notification from XXXX XXXX that my credit was pulled which resulted in a hard inquiry. 

Informed XXXX XXXX at rate genius who informed me that on XXXX XXXX there was a check mark that I needed to click if it was ok to do a hard pull. Informed him I wanted the inqury removed because I was just looking for a preapproval. He refused. 

All I wanted was a preapproval not a total approval. I was just shopping rates... not looking to close which is further evident that I did not upload the required documents for a full quote on their website ( Proof Of Income etc ) How could they pull my credit without having all the facts?
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX XXXX continues to report inaccurate information in regards to XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX. These accounts contain wrong information such as dates of delinquency and personal information as well as wrong account numbers.
Product: Money transfer, virtual currency, or money service

Greetings, On Wednesday, XX/XX/XXXX of XXXX, having low experience with banking transactions, I mistakenly did an ACH transfer to account number XXXX, routing number XXXX, and the name of the account was XXXX XXXX XXXX XXXX XXXX Account for XXXX XXXX XXXX. 
This was done during the closing of an FHA streamline refinancing, and the wire instructions were given by XXXX XXXX XXXX for the amount of {$2500.00}, as confirmed by the closing attorney. 

The next day, XXXX XXXX XXXX told me that, though the funds are out of my bank account, they were not received because ACH transfers are automatically rejected and that the funds would return to my account within 1-3 business days. 
In an attempt to accelerate the process, since I did not have an extra {$2500.00} to wire, on XX/XX/XXXX at XXXX, I call PNC XXXX XXXX ). I gave the trace number of the ACH transfer, which was provided to me by BXXXX XXXX XXXX -my bank-. The trace number is XXXX. 
The PNC associate tells me that she will be able to help with that. After verifying account and routing numbers, as well as amount and name of the account, the associate asks me to verify XXXX XXXX XXXX  recent transactions. Being unable to do that, I tell her thatll have someone from that company call them back. Powerless, I called and emailed every person I could at XXXX XXXX XXXX so they could make this rejection and return of funds faster. 

The next day XXXX, the Vice President of XXXX XXXX XXXX, XXXX XXXX, tells me that ACH transfers are automatically rejected and that it takes 3-5 business days for the funds to be back on my bank account. 
Today is XX/XX/XXXX, and my account has still not been refunded! We are on business day number 7. What is going on? My complaint is this : it takes 5 minutes for PNC to debit my account, but over a week to return my money?? I need them to realize that lives are at stakes, physical and XXXX XXXX states are affected. The process of returning peoples funds needs to be incredibly quicker! Please return my money immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I complained on XX/XX/XXXX, to dispute the erroneous items in my file, this complaint will serve as a follow-up to ensure that the items are deleted as soon as possible. 

Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

There are inquiries on my credit report that were not authorized by me. I do not own a car, nor have I been searching for one. These inquiries appear to be from auto finance companies. I sent dispute letters to both Equifax and XXXX, that are in compliance with credit reporting laws. 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
Product: Consumer Loan

Dear Consumer Financial Protection Representative, My complaint number is # XXXX. Since filing our complaint to you, there has been more errors made on the Citizens One Auto Finance PAYMENT HISTORY SHEET FOR US, that Citizens sent to us.. They are still stating that certain payments have not been made. Now they have XX/XX/2015, and XXXX 2015 also as not paid by us. XX/XX/2015 payment they have as not paid we already told you about. I am attaching the BANK STATEMENT RECEIPTS FOR THESE PAYMENTS THAT WE MADE. ALONG WITH ALL THE PAYMENTS THEY SAY WE DID N'T PAY. AND BANK RECEIPTS AGAIN. They need to adjust principal balance, Remove late fees and clear false credit reporting that they have made. I am also including where they started to charge late fees when was not owned. Please look at sheets. Thanks .Our payments are {$480.00} on the XXXX of the month with a 10 day grace period following the XXXX of the month.
Product: Checking or savings account

A call was placed to Citizens Bank of Michigan on XX/XX/2017 requesting that my account be closed. I was advised that there was an {$8.00} balance in the account and that they could not close the account without those funds being moved. Those funds were moved to my business account with the same bank, and my account was to be processed for closing. However, the representative went on to tell me that they can not close my account because there are pending transaction on the account. I advised them that other than those transactions I am requesting the account be closed and no further transactions allowed on the account. I was advised that this was impossible. I was then transferred to a supervisor who stated the same as above. When I advised him that the account was being requested to be closed, he stated they could n't close my account and would not close my account. He also stated that any new transactions can occur on my account without my authorization at this time and fees could be assessed. I then stated that I did not want any further authorizations to take place on this account. He replied with the statement that he can not and will not assist in closing the account until Monday at the earliest. When I stated that I have requested my account to be closed and he has denied my request to close the account, he stated that even if he closed it today, if any check, debit card transaction or ach attempts to hit my account within 60 days of the day of closing, they have the right to re-open my account and asses me over draft fees, sustained over draft fees and any other account fees that they wish to. Again when I requested for my account to be closed, he stated that the account is not closed and will not be closed by them and that they will leave it open as long as they want. He then hung up the phone on me.
Product: Debt collection

On XX/XX/XXXX I received a letter from XXXX XXXX saying I owe XXXX XXXX XXXX. I informed them that I do not owe this and that the account does n't belong to me. The rep yelled at me saying that it does and I needed to pay and used foul language. The debt was posted to my credit and I disputed it woth the credit bureaus and XXXX XXXX and it was removed.Now i have received another letter today XX/XX/XXXX dated XX/XX/XXXX from a different company diversified consultants which is a completly different cpmpany saying I pwe this debt of XXXX. I informed them it was disputed before and removed but theu say i owe please help me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving the feedback from Capital One Auto Finance, I have spoken with the company and the General Manager there at XXXX XXXX XXXX XXXX, XXXX. He has advised for me to request that your company sends him an email directly and he states he will vouch for me that this is not my account. His email address is XXXX. I will also be faxing over the police report to you guys as well once I am able to, I have been diagnosed with XXXX as of yesterday.
Product: Debt collection

I keep getting repeated calls from this number, more than once a day. If I call it back it puts me on hold to wait for someone.
Product: Debt collection

I opened an account with XXXX in XXXX only used it for a month because the bill they told me it would be was double the cost and out of my budget I cancelled the account with them they waited XXXX  years and then sent my bill {$2900.00} to a collections agency that reported it on my credit spoke to Jefferson capitol and they stayed it was given to there office XX/XX/XXXX at that point the account was XXXX XXXX XXXX way past the statue of limitations and XXXX XXXX has no record of the account because I called them the bill is XXXX XXXX XXXX and I do not owe them {$3000.00}
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Randomly received a card with my name embossed and my address. Did not request a card from this company or provide any information to them
Product: Credit card or prepaid card

I submitted a Balance transfer on XX/XX/22 and it was over 2 weeks before I received a response. Regions shared with me the balance transfer was cancelled. The agent entered the wrong information and I asked if the balance transfer could still be accepted since the 0 % interest promotion had already expired on XXXX/XXXX/22. The agent XXXX said she would request the promotion be reactivated and to call back in 3 business days ... after the 4th business day there still was no answer for my request # XXXX will submit request to research to have promo code XXXX Ticket Number XXXX and I was told to call back every day to check the status. However, I received notification that the balance transfer was processed however at the 24.99 % interest rate, so I called XXXX  XXXX XXXX again and spoke with XXXX, and she confirmed it was a 24.99 % rate, and this was not the agreement for the {$550.00} balance transfer, so XXXX put in another Request to the XXXX XXXX to adjust the {$550.00} balance transfer to be at the promotional rate of 0 % ... I also have the mailer indicating this promotion. 

Regions is known for false advertising and making customers jump thru hoops to get an answer and I am tired of Regions so please help