23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was charged {$240.00} AND {$240.00} for the same transaction. I have contacted XXXX about the additional charged with evidence from XXXX and a personal receipt stating there should only be one charge in the amount of {$240.00} on my account. 

I was told by XXXX to contact XXXX to refund my card with the temporary hold of {$240.00}. 

XXXX has continuously charge my card and deny my dispute for the duplicate transaction/temporary hold. I have tried to work with XXXX with this issue for over 2 months now and they are refusing to apply the correction with rightful evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian wont block a XXXX account reprinting fraudulently on my credit file
Product: Credit reporting or other personal consumer reports

I am requesting the removal of these accounts and inquires that are unauthorized from my credit report. Down below I have listed the inquires and charges that have been inaccurately reported on my credit report. Also for the removal of the inaccurate information on my personal information. 


XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter out on XX/XX/2023 to XXXX, XXXX, and Equifax. Here are my tracking XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX However, the credit bureaus said they completed the investigation, and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a Definitions ; rules of construction. 
The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who they spoke with. 
How did they complete this investigation.
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 ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These above accounts have 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

Each month since XXXX, I began paying monthly payments to North State Acceptance for a car loan, Ive been hit with a remark by the company which affects my credit score by XXXX points. XXXX XXXX shows that its because the balance was adjusted and increased. Anytime I call the company, I am told that they arent sure why its happening and that I just need to dispute the remark with the credit bureau. Although I have done that, it has now become a monthly hassle to have to deal with this and my credit is not catching a break. I pay on time and early and pay the full amount each month. My credit should not have to suffer because of a bad company. I cant help but think there is something shady going on and I am beginning to look further into legal action. Ill attach my payment history.
Product: Debt collection

I have received correspondence from Jefferson Capital Systems LLC ( JCS ) and they are alleging that I owe a debt. They have not provided name or address of the original creditor. They are in fact a debt buyer and have no license to collect in the state of California in which they are trying to collect from. They have given false and misleading information to the CRAs and have caused great damage to me and my credit report. Jefferson Capital has shown gross negligence in their practices and have violated the FDCPA and FCRA in countless ways. JCS created an account " for me '' using my personal identifying information without my consent and have contacted me more than once without my permission. I have requested for validation of the alleged debt and it has yet to be validated. I will be sending out a second request & notice of dispute on Monday ( see attached ). They have caused great injury to me and my reputation by negatively reporting this alleged debt and causing me to have stress and anxiety whenever this matter is brought up.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a FRAUDULENT item ( XXXX XXXX XXXX ) and an UNAUTHORIZED/FRAUDULENT inquiries ( XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated the inquiries. I am submitting a complaint for assistance to REMOVE them from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my first dispute on XX/XX/XXXX to the credit bureaus they replied that the fraudulent unauthorized information was verified. I then submitted another dispute XX/XX/XXXX in regards to them providing me proof on how they verified the accounts I reported were fraudulent and unauthorized. I haven received any verification or response in the past 54 days! This is absolutely unacceptable and in violation with the FCRA. I submitted a third dispute following up with their method of verification on XX/XX/XXXX and never received a response or any contact in regards to that dispute which involved the credit bureaus reporting fraudulent unauthorized accounts on my credit report. The credit bureaus are in violation of Section 623 of the FCRA and Regulation V that states furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. I will bring this matter to the attention of the better business bureau and the office of attorney general of SC. Ive been affect by the XXXX Equifax data breach as well had my identity stolen. Their is obviously someone using my identity to do things I have not authorized. As the original creditor, only I can validate these accounts. I do not validate these accounts. Therefore, the following accounts must be deleted from my report. I will also seek litigation and {$1500.00} per violation for Defamation, Negligent Enablement of Identity Fraud, Violations of 15 U.S.C 1692g if these accounts are not deleted immediately off my credit report.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following has not been removed since I requested. This information is incorrect, and requested the company to remove this late payment, or to report has paid on time. I was not late with these payments. This is unfair to report this information. 

XXXX XXXX XXXX - XXXX XXXX ( reported 30 days late ) XXXX and Transunion ( reported 30 days late ) XXXX XXXX - XXXX XXXX Transunion ( reported 30 days late ) XXXX XXXX  - XXXX XXXX Transunion has multiple inaccurate inquiries that does not belong to me. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I was a XXXX. My care for the procedure is the responsibility of the recipients insurance. XXXX XXXX XXXX errored in filing the insurance claim against my insurance. They have refused to correct the insurance filing. XXXX XXXX XXXX, XXXX XXXX paid the errant claim. Neither XXXX, XXXX XXXX XXXX nor XXXX XXXX XXXX, XXXX XXXX will / has assisted to get the claim corrected. I have continued to challenge this billing for more than 2 years with no resolution. The account has been referred to XXXX ( bill collection ). I need some assistance mediating the claim. XXXX XXXX XXXX will not intervene or confirm that my XXXX XXXX XXXX care is the responsibility of the XXXX recipient. XXXX XXXX XXXX, XXXX XXXX ca n't know that the claim filed is improper. Visiting Nurse has not acknowledged that my care was part of a living organ donation and asserts the claim was filed appropriately. I am in the middle of XXXX parties who basically are turning their backs on me and not participating in a resolution.
Product: Debt collection

I Have requested documents from the bureaus! And I have not heard back from them!
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX XXXX whom it may concern, I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as open, but also shows a balance of XXXX. According to the FCRA, I have a right to an accurate report. Please remove XXXX XXXX XXXXXXXX acount immediately from my TransUnion report. Please provide me with a new copy of credit report reflecting this account removed upon completion.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am a victim of identity theft and fraud. XXXX  IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 4th ATTEMPT WRITING XXXX  ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Product: Credit card

Discover is applying payments in excess to the minimum payment primarily to the balance with the lowest APR instead of the one with the highest APR per the Cardmember Agreement. I would have chosen to apply the payments to other balances had I known that Discover was not going to abide by the agreement.
Product: Checking or savings account

Unfortunately I Had Navy Federal Since I Was Younger.. So Theres Been An Enormous Amount Of Times Ive Overdrafted And Was Charged For It .. My Account Has Been Closed Many Times And Reopened Due To This Reason..
Product: Credit reporting, credit repair services, or other personal consumer reports

TD AUTO FINANCE LLC is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX consumer report on XX/XX/2019 without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b. 
I have not initiated any transaction with TD AUTO FINANCE LLC. Further, I do note have an account as defined under 15 U.S.C. 1693a ( 2 ) with TD AUTO FINANCE LLC for review or collection.
Product: Debt collection

I did not receive written correspondence from collectors. I did not know this account was in collections.
Product: Student loan

I filed my application on XX/XX/XXXX for the XXXX XXXX consolidation ( original was a XXXX XXXX that was XXXX first back in XXXX ). 

Despite numerous phone calls and online chats over the past XXXX months I still have not received my XXXX payment count adjustment. In fact, XXXX ( new loan servicer after XXXX ), sent me the attached letter to show that they apparently had XXXX payments left towards XXXX forgiveness. This made sense as I have been in repayment now for XXXX years on graduate loans. 

Instead Aidvantage informed me that I only had XXXX payments in total! In other words my payments were all reset to zero! I consolidated with the promise of a repayment count adjustment and instead get reduced to XXXX payments after I had XXXX XXXX qualified payments? Is that how things are done with the Department of Education?
Product: Bank account or service

I keep being charged overdrafts after I cover the overdraft before it posts. The bank ( wells fargo ) posts it the date it was presented not the day it cleared and charges me overdraft fees
Product: Credit reporting or other personal consumer reports

Re : Demand for Removal of Incorrect Late Payment Reports and Non-Public Private Information Dear XXXX, I am writing to you on behalf of XXXX XXXX XXXX XXXX, who has recently discovered inaccuracies in their credit report that require immediate attention. My client has identified the following issues that need to be rectified without delay : XXXX. Incorrect Late Payment Reports : My clients credit report inaccurately reflects late payments that were not reported in accordance with federal and state regulations. Specifically, the XXXXXX/XX/XXXX Texas account XXXX date opened on XXXX alleging {$22000.00} balanced up dated XX/XX/year>. These inaccuracies are a result of reporting errors and are not reflective of my clients true payment history. 

XXXX Private Information : The credit report also contains non-public private information that is not relevant to my clients creditworthiness. Specifically, child support late payments from the XX/XX/XXXXXXXX This information is not only irrelevant but also a violation of my privacy rights under the Fair Credit Reporting Act ( FCRA ). 

As per the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), credit reporting agencies are required to ensure that all information reported is accurate and up-to-date. Furthermore, under the FCRA, consumers have the right to dispute and request the removal of any inaccurate, incomplete, or outdated information from their credit reports. 


Please direct all correspondence and documentation regarding this matter to my attention at the address listed above. Should you require any additional information to facilitate the investigation, do not hesitate to contact me directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a  XXXX . And I dont know what happened with the investigation but I tried this in 2008 and I 'm checking on the process. I ca n't open an back account its intervening with job 's I 'm trying to get, and I have my own family I ca n't do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1681 Section 602 A. States I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2. States a Consumer Reporting Agency can not furnish an account without my written instructions. 
15 U.S.C. 1692 C Companies involved are : XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2020 XXXX XX/XX/2020
Product: Money transfer, virtual currency, or money service

I was scammed out of money off Zelle n couldnt get it back him too
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate personal information on my credit report, specifically regarding the alleged serious delinquency, public records, and collection accounts attributed to me. These inaccuracies violate several federal laws, including but not limited to : 15 U.S.C. 1611 : Limitations on consumer credit reports.

15 U.S.C. 1681 : Fair Credit Reporting Act provisions.

15 U.S.C. 1691 & 12 CFR 1002 : Equal Credit Opportunity Act.

15 U.S.C. 1692c : Restrictions on communication.

15 U.S.C. 1602 : Definitions relating to credit reporting.

15 U.S.C. 1681n : Civil liability for willful noncompliance.

15 U.S.C. 1692f : Unfair practices in debt collection.

15 U.S.C. 1635 : Right of rescission. 
I demand that these inaccuracies be investigated and corrected within 72 hours of this letter. If these items are not removed or corrected in accordance with the Fair Credit Reporting Act, I will pursue legal action to protect my rights and seek damages for any harm caused by this inaccurate information.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have complained over 4 years regarding identity theft. I now rely upon Experian to research. I have sent sheriffs reports. FTC Identity Theft Affidavit, IRS Identity Theft Affidavit, and XXXX of thief reflected in Sheriffs Report to XXXX XXXX AXXXX XXXX XXXX XXXX, and XXXX. And I am now sending to Experian and please request Experian to review the attached FTC Identity Theft Affidavit, IRS Identity Theft Affidavit, XXXX XXXX, and sheriff 's reports and remove from my credit report. More specifically XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have requested copies of the credit report and the permissible permission XXXX used to request Experian to send XXXX my credit report. All of this led to a fraudulent loan. XXXX has yet to send this information. I request Experian request this information and then send to me.
Product: Bank account or service

I reported Fraud on my credit card. I reported the Fraud to Bank of America, the charge is still on my file as they " research '' the issue. I want to pay the balance of my card but I do not want to pay the fraudulent charge. As a " preferred client '' I tried to call and speak to the claims department and was told I would need to wait over one hour. There is no online assistance and I suspect Bank of America is not doing everything in their power to resolve this manner in a timely and satisfactory manner.
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 violalod my federally prolecied consumer rights to privacy and confidontiality under 15 / USC 1681.

| 15 U.S.C 1681 section 802 A. States I have the right lo privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account wilhout my writlen instructions 15 U.S.C 1681c. ( eX5 ) Section Slates : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adve Hem of information, olher than records of convictions of crimes which antedates the report by more than seven years. 

Inquiry XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Capital One closed my secured card. This is their legal right to do so I am not upset about that. In reviewing my credit report recently, I noticed a record of three consecutive late payments on my account for the months of XXXX, XXXX, and XX/XX/2019. 

However, when I called them after they closed it, they said no payment was due because the security deposit would cover the balance. Three months later I got a notification saying I was late. I called them again to speak about this they said it was accurate. I pointed out my previous phone call. 

I immediately made the payment.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX received email from XXXX saying credit file inquiry- theres been a change to your credit file XXXX XXXXXXXX received call from JP Morgan Chase inquiring if I applied for a Chase Saphire credit card. The name given was my maiden name. I changed to my married name 2 years ago. I stated I did not apply for any credit card, and the representative said she would mark the application as fraud and reject the credit inquiry on my file.