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

The Fair Credit Reporting Act ( FCRA ) provides consumers with protections regarding the accuracy of their credit reports. To address a fraudulent voluntary surrender of an auto loan on your credit report, you can write a strong and legally grounded dispute letter to the credit bureau ( s ). Heres how you can draft it to ensure the greatest chance of removal : [ Your Full Name ] [ Your Address ] [ City, State, ZIP Code ] [ Date ] [ Credit Bureau Name ] [ Address of Credit Bureau ] Re : Request for Immediate Removal of Fraudulent Voluntary Surrender Auto Loan Account Number : [ Insert Account Number ] To Whom It May Concern : I am writing to formally dispute inaccurate information on my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ). The information pertains to an auto loan listed as a voluntary surrender, which is both fraudulent and completely incorrect. 

Supporting Legal Grounds : 1. Violation of FCRA Section 605B ( Identity Theft ) : Under this provision, I am entitled to have fraudulent information resulting from identity theft blocked or removed from mycredit report. Attached is a copy of my Identity Theft Report ( e.g., police report or FTC Identity Theft Affidavit ) supporting my claim.

2. FCRA Section 611 ( Accuracy of Credit Reporting ) : As per this section, credit bureaus are required to investigate disputes regarding inaccurate or incomplete information. This account does not belong to me, and its inclusion is damaging and erroneous.

3. FCRA Section 623 ( a ) ( 1 ) ( A ) : The original furnisher of information is obligated to ensure the accuracy of their reporting. This fraudulent account violates their duty to provide accurate information to the credit bureaus. 

My Request : I demand the immediate removal of this fraudulent account/REMARKS from my credit report. This account has been reported in error and is causing significant harm to my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; {$20000.00} REMARKS : returned voluntarily ; voluntary repossession XXXX, EQUIFAX, XXXX Under the FCRA, you are required to complete your investigation and respond within 30 days of receiving this dispute. Failure to comply with these legal requirements may result in legal action under federal law.

Please confirm receipt of this dispute and keep me informed of your progress. You may contact me in writing at the address provided above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the following companies to run my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hello, I set up a CareCredit Card through my dentist I believe in XX/XX/2018. I was advised by my healthcare provider of the amount to pay so I would not go beyond the promotional period and there would be no interest. I have agreed from the beginning to pay the amount needed to make sure I would have the bills payed in full. I have been on automatic payments with CareCredit from the beginning, have never missed a payment, never late, always payed the full amount asked. I noticed interest being charged and when I tried to call customer service they did not explain everything to me and said that I went beyond one promotional period already and I asked how is this possible?! I set everything up through my doctor with automatic payments to make sure this would not happen. No one from the company ever called or advised differently and I have blindly been paying the required amount this whole time thinking I had not interest to pay. My doctors set this up for me to ensure this! I am enrolled in automatic payment and it doesnt even say on my statements where which promotional period my payment is going too?? This is a very deceitful scam. Please help, thank you
Product: Debt collection

I do owe this debt. I have told this debtor to only contact me via mail. They have continued to call me and my father. They are extremely rude and insulting.
Product: Credit reporting or other personal consumer reports

XXXX BEEN PAST FOUR BUSINESS DAYS AND THE ACCOUNTS ARE STILL NOT BLOCKEDVIOLATING MY RIGHTS AS A CONSUMER UNDER THE FCRA 605C I AM A VICTIM OF XXXX XXXX  THESE ACCOUNTS WERE THE RESULT OF THAT XXXX  PLEASE BLOCK THESE ACCOUNTSWITHIN FOUR BUSINESS DAYS PURSUANT TO FCRA 605C. PLEASE PLACE A FRAUD ALERT ON MY PROFILE USING THE NUMBER XXXX. PLEASE PLACE A SECURITY FREEZE ON MY PROFILE. PLEASE ALSO OPT ME OUT. PLEASE BLOCK THE ACCOUNTS RELATED TO XXXX XXXX. PLEASE ALSO SEND A COPY OF MY CONSUMER REPORT UPDATED TO MYSELF AND CPFB. SUPPRESS MY FILE
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It a so states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Checking or savings account

Wells Fargo owes me compensation for my accounts that had excessive overdraft and insufficient funds, these were 2 accounts that had been closed with them, I also was a victim of ID theft. I called customer service to alert them that I had a new address but the lady who answered didn't seem to care and didn't take my information. Please give compensation from lawsuit for the unethical practices.
Product: Money transfer, virtual currency, or money service

I went to log on to my Coinbase account and upon doing so, the screen started blinking and went " white '' ... .over the course of time, I found out that there were unauthorized transactions of converting my XXXX XXXX XXXX to XXXX, then moving the XXXX XXXX out of my account, leaving my account balance at XXXX from {$55000.00}. I held XXXX, XXXX, XXXX, XXXX and XXXX. All were converted to XXXX, then sent to external address XXXX. All of these transacttions took place in less than two minutes. Coinbase showed no evidence of knowing their customer, halting these transactions or even questioning them. I have never sold my holdings in the life of my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These are a series of inquires that have never been authorized by me against men credit after leaving XXXX XXXX and starting my own business I ran across these unauthorized inquires which are causing me hardship due to all of these inquires against me I have filed complaints with all three credit bureaus the above listed inquires were not authorized by me XXXX XXXX XXXX
Product: Credit reporting

On XX/XX/XXXX, after learning of an erroneous collections notice on my credit report from my mortgage broker, I filed a dispute with Experian. The incorrect collection notice was for medical expenses originated by XXXX XXXX XXXX, XXXX for services received in Oklahoma. I have never visited Oklahoma, let alone received medical treatment there. On XX/XX/XXXX, I received notice from Experian via E-mail that the dispute investigation was complete and the erroneous information remained. When I followed up by phone on XX/XX/XXXX, to ask why the error was still on my account, I was XXXX told by the Experian operator ( XXXX? ), that the creditor confirmed it was me ( impossible since I have never even been to the state or am in any way remotely connected with Oklahoma ). However, upon further investigation by the Experian operator, it was determined this dispute was inexplicably cancelled on XX/XX/XXXX, thus automatically triggering a notice to me of the egregiously incorrect information remaining on my file. The Experian Operator could not identify who cancelled my dispute or why. During that call, the Experian operator re-opened my dispute and provided me with contact information for the creditor. Adding insult to injury, the contact information from Experian for the creditor ( XXXX XXXX XXXX, XXXX ph XXXX ) leads me to a disconnected telephone number. I happen to have known this number was disconnected in XX/XX/XXXX ( prior to receiving my results from Experian ) because I tried calling them when I XXXX learned of the error on my XXXX credit report. 
My concern is Experian did not exercise proper diligence in their initial review of my dispute ( it is currently being re-disputed ). Because of this incorrect information remaining on my report, my credit score on Experian fell from XXXX ( XX/XX/XXXX ) to XXXX ( present ) - a fall of more than XXXX points. In contrast, XXXX removed the erroneous information from my file in XXXX business day. Experian 's failure to effectively review and remove the incorrect information is also striking in light of its clear inconsistency with all the other information on my report. What 's worse, I PAY Experian to receive credit report updates! I 'd hope Experian would have a higher standard since I pay them for services. To the contrary, this has been personally damaging and frustrating. It adversely effects me and my young family. My hope is the government holds Experian and other credit bureaus ' feet to the fire when it comes to allowing damaging and inaccurate information on credit reports.
Product: Checking or savings account

chase bank new customer {$220.00} bonus offer opened in XX/XX/XXXX with XXXX XXXX XXXX of {$790.00} paid {$19.00} for checking account to start.XXXX XXXX, private client banker @ XXXX ( XXXX ) XXXX XXXX XXXX XXXX and handled switch with XXXX in XXXX presence from XXXX XXXX XX/XX/XXXX, called XXXX XXXX, and found Chase never XXXX it ; XXXX then made the change.Spoke to XXXX A. XXXX XXXX after to help get the {$220.00}, to no avail.Spoke to XXXX XXXX XXXX XXXX XXXX @ Chase Branch Complaint Escalations to no avail, and phone tag with XXXX XXXX XXXX ( XXXX ) XXXX, responded in XXXX to my letter sent to Chase CorporateXXXX XXXX XXXX XXXX stated 90 days had passed, and out of luck getting the {$220.00} for said reason. The coupon code is XXXX on the offer $ XXXX was another offer mailed in XXXX XXXX, exactly the same available too when sitting down with XXXX XXXX if to start over and get the bonus handled a different way, to no avail.XXXX A said he texted inquiries twice to Chase Corporate to resolve the matter, during my banking visits many times.My family has dealt with Chase, as I have for many years, and just want my {$220.00} bonus, credited to my account for closure as soon as possible.Thank You In XXXX of XXXX XXXX {$790.00} was finally in place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially filed a dispute in early XX/XX/XXXXregarded a company that listed are my credit report is listing that the account is in collections when in cact it's in luded in a chapter XXXX   bankruptcy i ask for a investigation on XX/XX/XXXX and ask that transunion provide me with documentation explaining why have the 2 account are no reporting correctly the two accounts in Question are XXXX and XXXXXXXX XXXX XXXX XXXX ... .they have had i er the time specified by the fcra and still have not been deleted from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/XXXX
Product: Credit card or prepaid card

I purchased a new motorcycle on XX/XX/XXXX of 2019. To finance this account I was given a XXXX credit card issued through citibank. In XXXX I cancelled my extended warranty and a check for {$690.00} was sent to the credit card company. The check was confirmed as having been cashed by citibank and the motorcycle dealership but after nearly 5 months they still have not credited my account. Both the motorcycle dealership and I have been in contact with citibank. After opening a case online clearly outlining that I was looking to have this {$690.00} credited to my account, they instead investigated the full charges to my account and determined that the charges were " valid '', which was neither the problem nor what was clearly stated as the discrepancy in the email communications I sent them. The follow first communications I sent them said : On XX/XX/XXXX of 2019 a check was sent from XXXX XXXX refunding {$690.00} for an extended warranty. This has not been credited to my account. It was check # XXXX and was sent to Citi Bank N.A. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ky XXXX. I can send you a copy of the check that was sent. Please advise when I will see this {$690.00} credited to my account. 

The dealership continues to tell me that citibank is going to credit my account but this has not happened. They also should be crediting the additional interest that has accumulated on my account due to the higher balance but I was told they would not be willing to do that by the dealership who has been handling this case since citibank denied my correspondence I sent them.
Product: Credit reporting

I recently had XXXX student loans with XXXX XXXX that were discharged due to XXXX on XXXX XXXX, 2016. I checked my Equifax credit report and determined that they did not show closed and paid on the XXXX student loan tradelines with XXXX XXXX they left those open but also added XXXX new tradelines with XXXX XXXX XXXX XXXX to my credit report and then reported those accounts closed and paid. I have a total of XXXX tradelines of student loans now. I called Equifax and told them that the information was incorrect and that these accounts are duplicated and it should only show the XXXX original tradelines with XXXX XXXX as closed and paid. I receive notification on XXXX/XXXX/2016 that Equifax has not removed the original XXXX loans but they have just closed them and noted on all XXXX accounts that they were : ( Student Loan Account Transferred Or Sold Student Loan ) which is not accurate. I have tried to get them to report accurate information and I am not getting the service they should provide by law. I would like this information reported accurately as it has caused my credit score to drop significantly ( XXXX to XXXX ).
Product: Debt collection

In XX/XX/XXXX XXXX reported a fraudulent debt to my credit, I submitted a fraud statement and the debt was removed.

XX/XX/XXXX XXXX notified me SW Credit reported a Collection account with the original creditor being XXXX with an open date of XX/XX/XXXX. This debt is fraudulent and should not had been bought nor reported to my credit file.
Product: Credit reporting or other personal consumer reports

Under the stipulations of 15 US CODE 1681i ( B ) ( iii ), it is mandated that Consumer reporting agencies ( namely XXXX, XXXX, and Equifax ) are required to furnish a written notification to a Consumer ( in this case myself ), upon request, detailing the methodology employed to verify the accuracy and completeness of information on Record. This includes providing the name and address of any information provider contacted with their contact number. Way and excessively over 30 days ago, I solicited documentation to substantiate this account, yet I have not received such documentation. Without legitimate proof backing this account, it has no basis to be included in my credit report. 
I started sending Disputes to the Credit Agencies in XXXX of XXXX. 
Each time after notifying them that there is information needing to be fixed. Either no response was given, or a generic letter asking to confirm my identity was sent to which I responded again with the same letter and was met with the same response. I am within my right to dispute any information on my report and seek legal counsel if it is not corrected. So this is my last time submitting this complaint before calling a lawyer and suing to get my rights. 
Several Hard inquiries on my report need to be removed from my file in under 15 U.S. CODE 1602p. I only approved Credit inquiries from XXXX XXXX XXXX and XXXX XXXX ( NOT AUTO ) Late payments should be removed based on 15 U.S. CODE 1666b Charge-offs should be removed based on 15 U.S. CODE 1601 Repossessions under 15 U.S. CODE 1601 Collections that can not be verified Please remove everything I have listed above as the information provided in my report is inaccurate and goes against my right to privacy and fair credit reporting practices.
Product: Mortgage

I am having problems with contacting Fay servicing loan number ( XXXX ) in regards to pay back amount that was owed to get to current date of payment. In XXXX of XXXX  i was needed to pay around XXXX and I had XXXX to pay down the loan but I was told that i needed to get the new payout so I had to wait till the end of the month. I did not get that packet until the beginning of of th next month usually around the the 3 or 4 of the months. By that time there were new charges. I mentioned numerous time to email what is owed to become current so I do not keep being in default On XX/XX/XXXX of contacted Fay servicing and was in direct contact with XXXX XXXX XXXX } XXXX he was supposed to get in contact with me so I can pay off the charge off. At that time he gave me the routing number and the account to wire the money to. I did not hear back from him so I sent a wire transfer to the routing and acct. number so on XX/XX/year> i wired the amount of {$16000.00} to XXXX Fay servicing XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Routing # XXXX Act number XXXX. As of today there was no adjustment to my payoff of XXXX which should of been in full. No as of today XX/XX/year> they do not know where my money is and the reflections of what is charge off owed is not {$20000.00} with no reflection of what i paid. $ XXXX plus {$16.00} plus k is not $ XXXX On the phone with XXXX in XXXX I had mentioned to XXXX my point of contact contact me by email which they have on file. There is idea of where my money is to this date to amount owed. I also mentioned to XXXX that my account on their website is not working is not working XXXX Mentioned it was still active on his end. to this day I still can not log into it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of :XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

To whom it may concern I am filing this complaint against Chase Mortgage they were my mortgage company and since then has sold my loan I was going to refinance my home and when the bank called me to do a refinance I want to do the HARP program they told me I couldn't do the HARP program that chase had put me through is doing a refinance in 2015 and using the HARP program I never signed any paperwork for a refinance I was never contacted about a refinance and I never use the HARP program so I feel that this is fraud that they did something that I wasn't aware of and if I'm doing a refinance I do believe I have to sign paperwork on it but it was put through that I use the HARP program and that I refinance I did not do this I feel there needs to be an investigation on this
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX  XXXX and XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Product: Credit card or prepaid card

I received an offer to upgrade a AMEX Blue Cash card in the mail. The offer included a waived first year {$95.00} annual fee. Both me and my wife have the AMEX Blue Cash card and similar credit scores. I signed up for the offer, but AMEX refused to upgrade my wife with the same offer. After multiple attempts to resolve this with AMEX by phone and chat, I am now forced to involve you for this discriminatory and misleading marketing.